Finance (e.g., Banking, Investment Or Credit)

Finance (e.g., Banking, Investment Or Credit) patent applications listed are from June 2005 to current and include Date, Patent Application Number, Patent Title, Patent Abstract summary and are linked to the corresponding patent application page.

11/23/06 - 20060265306 - Methods and systems for providing interest rate simulation displays
In one aspect, the invention comprises a computer system comprising means for displaying on a computer screen a chart illustrating level and volatility of a projected accounting performance based on a plurality of possible future interest rates, wherein the chart comprises a 50th percentile line, a 95th percentile line, and ...

11/23/06 - 20060265305 - System and method for automatic repositioning of market information in a graphical user interface
A method for automatically positioning information related to a commodity on a graphical user interface. Market information is displayed on the graphical user interface. The market information may be presented as a number of indicators, corresponding to particular items of interest, that are associated with a static scale. The scale ...

11/23/06 - 20060265304 - System and method for group positioning of market information in a graphical user interface
A method for repositioning information related to a plurality of commodities on a graphical user interface is provided. The method includes receiving market information relating to a first commodity and a second commodity. The market information includes a number of items of interest, each of which may be associated with ...

11/23/06 - 20060265303 - Trading tools for electronic trading
Tools for trading and monitoring a commodity on an electronic exchange using a graphical user interface and a user input device. The tools will aid the trader in determining the status, trends in the market, and the trader's position in the market. ...

11/23/06 - 20060265302 - Data management for use in capital market indexes
A method of for construction a database to support calculation of capital market indexes. The method includes treatment of all securities in the financial markets and utilizes criteria for selecting subsets of types of securities and weighting the market value of said securities to provide said selected and weighted securities ...

11/23/06 - 20060265301 - Systems and methods for implementing the structuring, pricing, quotation, and trading of spot synthetics (spots), spread instruments (sprints), sprints based on spots, ratio derivatives (rads), rads based on spots, and options based on these instruments
An exchange-traded financial instrument having a price that tracks an underlying benchmark, the underlying benchmark being a security or commodity that is itself traded. A contract for the financial instrument between a buyer and seller is not contingent upon the delivery of the underlying benchmark. A net carrying charge (credit ...

11/23/06 - 20060265300 - Financial contracts and market indicators based on such financial contracts
Products and methods for providing investors with one or more financial contracts, based on average drawdown, average drawup, and/or average range are provided. Some embodiments of the present invention allow investors to insure their underlying assets from unexpected market movements such as a market crash, market rally, and/or range event ...

11/23/06 - 20060265299 - Financial contracts and market indicators based on such financial contracts
Products and methods for providing investors with one or more financial contracts, such as crash options, rally options, and range options, are provided. Some embodiments of the present invention allow investors to insure their underlying assets from unexpected market movements such as a market crash, market rally, and/or range event. ...

11/23/06 - 20060265298 - Method and system of searching for lost property by using credit card
The invention discloses a method and system of searching for lost property by using credit card used in a credit card service system for searching for a lost suitcase, passport, old person or child with an attached card. The attached card is recorded with at least part of a credit ...

11/23/06 - 20060265297 - Systems and methods for determining optimal utilization levels in a fixed capacity system
A method. The method includes includes determining a hardware efficiency factor for an asset having a fixed capacity and a predictable capacity consumption rate, and determining a touch efficiency factor for the asset. The touch efficiency factor represents a measurement of the frequency of touch of the asset, and touch ...

11/23/06 - 20060265296 - System and method for activity based margining
A system and method for factoring in a trader's trading activity into the margin requirements is disclosed. In the securities arena, day traders are assessed different margins than non-day-traders, however, the specific profile of the trader is analyzed (that is, the same rule applies to all day traders). ...

11/16/06 - 20060259390 - Multiple account preset parameter method, apparatus and systems for financial transactions and accounts
Methods, apparatus and systems are provided that enables at least one debit for a financial transaction and account management features using at least two financial accounts from which such debits and/or credits can be made from said at least two financial accounts using preset financial account parameters including, but not ...

11/16/06 - 20060259389 - Performance based compensation sporting leagues
A method, using computer means, for investing in players of a sporting league. The method includes a sports team of the sporting league employing a plurality of players and issuing a plurality of shares of stock for each of the players. The method also includes a plurality of individuals each ...

11/16/06 - 20060259388 - Merchant account activation system
A merchant account activation system that includes an Internet server that works in conjunction with a master account file operating on a mainframe computer and an expert computer system that is used to configure point-of-sale terminals. Many of the steps of the activation procedure arc performed by a merchant activation ...

11/16/06 - 20060259387 - Merchant account activation system
A merchant account activation system that includes an Internet server that works in conjunction with a master account file operating on a mainframe computer and an expert computer system that is used to configure point-of-sale terminals. Many of the steps of the activation procedure arc performed by a merchant activation ...

11/16/06 - 20060259386 - Building digital assets for use with software applications
The present invention extends to methods, systems, and computer program products for building digital assets for use with software applications. When a digital asset is received, the digital can be classified based on digital asset type and/or a specified platform type where the digital asset is to be utilized. Digital ...

11/16/06 - 20060259385 - Novel enhanced electronic hedge fund compliance tool
A series of secured modules enables fund managers and their delegates to interact and support potential clients and customers with the user friendly support of the instant novel enhanced electronic hedge fund tool. Once enabled with appropriate security measure taken, the Internet links potential investors to Hedge funds at an ...

11/16/06 - 20060259384 - System and method for automatic repositioning of market information in a graphical user interface
A method for automatically positioning information related to a commodity on a graphical user interface. Market information is displayed on the graphical user interface. The market information may be presented as a number of indicators, corresponding to particular items of interest, that are associated with a static scale. The scale ...

11/16/06 - 20060259383 - Trading tools for electronic trading
Tools for trading and monitoring a commodity on an electronic exchange using a graphical user interface and a user input device. The tools will aid the trader in determining the status, trends in the market, and the trader's position in the market. ...

11/16/06 - 20060259382 - Trading tools for electronic trading
Tools for trading and monitoring a commodity on an electronic exchange using a graphical user interface and a user input device. The tools will aid the trader in determining the status, trends in the market, and the trader's position in the market. ...

11/16/06 - 20060259381 - Method and system of pricing financial instruments
Some demonstrative embodiments of the invention include a method and/or system of pricing a financial instrument. The method may include receiving trade information of a plurality of traded financial instruments, the trade information including trade information related to a plurality of market prices corresponding to the,plurality of traded financial instruments; ...

11/16/06 - 20060259380 - System and method for linking gemstones and insurance
A supportable value product such as diamonds is guaranteed for an extended period of time so that an owner can return the product at any point over the guarantee period for a complete refund of the amount paid for the product. The products are covered by an insurance policy by ...

11/16/06 - 20060259379 - Investment vehicle, system and method
Investment vehicles, systems and methods provide for the investment of funds in an investment opportunity selected based on criteria to reduce risk and increase or maximize return. In one embodiment, the risk is reduced by selecting an investment opportunity for investment after the initial public offering (IPO) of the investment ...

11/16/06 - 20060259378 - Global risk demand index
Methods for generating risk demand indices are provided. In various embodiments, the methods may include selecting a plurality of sub-index modules, wherein generation of each sub-index module involves comparing at least one financial index representative of at least one risky asset to at least one other financial index representative of ...

11/09/06 - 20060253364 - Systems and methods for improving investment performance
Methods for a data processor implemented system monitor for enabling persons to turn over the allocation their investment assets, and/or receive assistance concerning how to receive disbursements from investments, in a manner that is free from or ameliorates the traditional conflicts of interest in previous systems. The methods are adapted ...

11/09/06 - 20060253363 - Method and system for creating and operating an investable hedge fund index fund
A preferred embodiment of the present invention comprises a method of creating and managing an index fund based on an index of funds of hedge funds, comprising steps of (a) identifying potential funds for an index of funds of hedge funds; (b) identifying which of the potential funds meet specific ...

11/09/06 - 20060253362 - Computer-based control of a flow of funds
Funds are used on the basis of carefully made forecasts and continue to be used unchanged for a respective prescribed period of time which is shortened only if a prescribed opportunity for realizing a profit arises. ...

11/09/06 - 20060253361 - Method for providing total return swaps using a dealer hedging facility
The present invention provides a method for providing a total return swap using a dealer hedging facility, the method comprising entering into the total return swap with an approved dealer participant, purchasing an underlying swap reference asset to hedge market risk, funding the purchase of the underlying swap reference asset ...

11/09/06 - 20060253360 - Methods and systems for replicating an index with liquid instruments
In at least one aspect, the invention comprises a method for replicating a first index, comprising: constructing a basket of derivative financial instruments selected to replicate said index; wherein said basket of derivative financial instruments is constructed using key rate duration matching based on a plurality of instruments, and wherein ...

11/09/06 - 20060253359 - Method and system for creating and trading corporate debt security derivative investment instruments
A method of creating and trading corporate debt security derivative investment instruments on an exchange, as well as a trading facility for trading such derivatives, is disclosed. Corporate debt security derivative investment instruments are created by identifying a credit rating service that includes a plurality of risk categories. Unique monetary ...

11/09/06 - 20060253358 - System and method for identifying and managing customers in a financial institution
A system and method for managing a customer in a banking institution. The system includes a customer kiosk with biometric device for identifying the customer. The system places the customer in a virtual queue to see a service provider. ...

11/09/06 - 20060253357 - Method and computer-readable medium for jointly managing digital assets and non-digital assets
A method and computer-readable medium are provided for jointly managing digital assets and non-digital assets. According to the method, a database is maintained that includes one or more digital assets and records corresponding to one or more non-digital assets. A request may be received to perform an action on an ...

11/09/06 - 20060253356 - Methods and devices for displaying and communicating complex financial information
Methods, systems, displays, apparatus, and processes for displaying and communicating complex information relating to investment portfolios and funds are described. Disclosed are methods, displays apparatus and processes for displaying and communicating overview data and relationships including juxtaposing projected IRR against current IRR for funds of a private equity portfolio. Additionally, ...

11/09/06 - 20060253355 - System and method for creating and trading a digital derivative investment instrument
The present invention relates to an investment instrument which allows investors to take risk positions relative to the occurrence or non-occurrence of a contingent binary event. The contingent binary event will have one of two possible outcomes. In a digital futures contract, a long investor agrees to pay a short ...

11/09/06 - 20060253354 - System and method for creating and trading packaged collar options on an exchange
A method of creating and trading packaged standard option collars on an exchange is provided, as well as a trading facility for trading such packaged standard option collars. Collars are created by identifying an underlying asset, a first leg of a collar is determined by determining the desired strike price ...

11/09/06 - 20060253353 - Method and system for crossing orders
The invention provides methods and systems for crossing securities orders. A first order to buy or sell a particular security is received, the first order including at least information reflecting quantity of the first order. A second order to buy or sell the security is received, the second order including ...

11/09/06 - 20060253352 - Method and system for investing through purchase of faux stones
A method and system for providing an investment opportunity whereby investors are provided a positive return on their investment, while, at the same time, receiving the benefit of an imitation stone that satisfies their required criteria in a precious stone includes identifying a prospective purchaser of a precious stone and, ...

11/09/06 - 20060253351 - Methods and systems for the management of insurance claims and property
This invention relates to the management of insurance claims, the processing steps broadly including the steps of obtaining information on a claim, including items of property relating to said claim, such information forming a claim datafile; selecting items of property being claimed by consulting a property register configured and arranged ...

11/02/06 - 20060247996 - Portfolio selection for (healthcare) technology investment
An investment vehicle is formed according to novel selection methods which organize investment according to investor definitions of technology application. For example, healthcare companies can be organized according to their involvement with particular diagnostic or therapeutic modalities. The investment vehicle can then be used to back a structured note for ...

11/02/06 - 20060247995 - System and method for musical sonification of data
A musical sonification system and method sonifies data, such as real-time financial market data, to produce an audio signal output including a musical rendering of the data. A sonification engine converts the data into sound parameters based on configuration data and a sonification and mapping scheme. A sound generator generates ...

11/02/06 - 20060247994 - Method and system for operating a financial instrument
A company issues an instrument including a claim upon its assets whose priority in the event of bankruptcy or liquidation varies as a result of one or more specified qualifying events which may be experienced by the company. The claim takes the form of a security which in its initial ...

11/02/06 - 20060247993 - System and method for quantitative peer travel and expense benchmarking analysis
A system, computer product and method are provided for providing business travel and expense benchmarking analysis. A first data storage receives and stores travel data for peer entities. A second data storage receives and stores expense transaction data for the plurality of peer entities. A data storage server aggregates the ...

11/02/06 - 20060247992 - Anti-financial crimes business network
A computerized system is established through a network to help business organizations conduct and manage their businesses with anti-financial crimes provisions according to the government regulations and laws, e.g., the Bank Secrecy and the USA PATRIOT Act, and to enable financial institutions to monitor and manage these business organizations with ...

11/02/06 - 20060247991 - System, method, and computer program product for searching credit agencies using partial identification numbers
A system, method, and computer program product are used to obtain a credit report. The system comprises at least one input device, a credit agency system, and a credit requesting system. The input device receives a partial identification number (e.g., social security number (SSN)) and additional information from an individual. ...

11/02/06 - 20060247990 - Optimization of decisions regarding multiple assets in the presence of various underlying uncertainties
A client-server based system for building and executing flows (i.e., interconnected systems of algorithms). The client allows a user to build a flow specification and send the flow specification to the server. The server assembles the flow from the flow spec and executes the flow. A decision flow builder allows ...

11/02/06 - 20060247989 - System and method for providing investment information
The present invention includes a computer system for providing investment information. The computer system includes a server connected to a global network for collecting and disseminating information. The system collects information from third party sources, such as stock prices, financial performance, and news reports. The system also receives information from ...

11/02/06 - 20060247988 - Methods and apparatus for providing mission assurance
Methods and apparatus are provided for assuring content of a product. The method comprises identifying key elements that at least partially specify the content of the product creating assessment criteria for each of the key elements, and defining maturity levels for each of the assessment criteria. The method further comprises ...

10/26/06 - 20060242052 - Variable product reinsurance
A Variable Product reinsurance structure including: (i) a reinsurance Agreement between a Variable Product issuer (Ceding Company), and a separate account or Cell of a reinsurer, qualifying for (re)insurance accounting under FAS 133; and (ii) a plurality of derivative instruments qualifying for mark-to-market accounting under FAS 133, designed to hedge ...

10/26/06 - 20060242051 - Method and apparatus for development and use of a credit score based on spend capacity
Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumers spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving ...

10/26/06 - 20060242050 - Method and apparatus for targeting best customers based on spend capacity
Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumers spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving ...

10/26/06 - 20060242049 - Credit score and scorecard development
Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumers spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving ...

10/26/06 - 20060242048 - Method and apparatus for determining credit characteristics of a consumer
Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumers spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving ...

10/26/06 - 20060242047 - Method and apparatus for rating asset-backed securities
Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumer's spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving ...

10/26/06 - 20060242046 - Method and apparatus for consumer interaction based on spend capacity
Share of Wallet (“SoW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumer's spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving ...

10/26/06 - 20060242045 - Tax attenuation and financing
A method for tax attenuation in accordance with the present invention matches an income stream from an investment to a cost of debt to hold the cost of the tax in abeyance. An amount is invested to gain returns. An amount is borrowed at a cost to pay the tax ...

10/26/06 - 20060242044 - Checkless funds disbursement systems and methods
A method of providing checkless disbursement of cash due as a funding from a financial transaction includes receiving at an input terminal on a networked system a request for checkless disbursement of cash due as a funding from a financial transaction, the request including information identifying a customer requesting the ...

10/26/06 - 20060242043 - Method for predicting option performance
A method for predicting an option's performance includes calculating three components of the set of components including decay profit and loss, implied volatility profit and loss, directional profit and loss and total option profit and loss. Once the three components are calculate, simple addition and subtraction is used to derive ...

10/26/06 - 20060242042 - Calculating tax amount where multiple tax types may apply
A computer program product for calculating a tax amount where multiple types of taxes may apply to a transaction is tangibly embodied in an information carrier and includes first data structures comprising tax formulas. Each of the tax formulas is associated with one of several tax types. The computer program ...

10/26/06 - 20060242041 - Method and financing system for funding a personal account
A method of funding a personal savings account is accomplished by a donor selecting a personal account to be funded, the donor using a financial instrument which generates an embedded fee or an awards or loyalty program, and directing a portion of the embedded fee or awards program into the ...

10/26/06 - 20060242040 - Method and system for conducting sentiment analysis for securities research
A computer system performs financial analysis on one or more financial entities, which may be corporations, securities, etc., based on the sentiment expressed about the one or more financial entities within raw textual data stored in one or more electronic data sources containing information or text related to one or ...

10/26/06 - 20060242039 - Method and apparatus for estimating the spend capacity of consumers
Time series consumer spending data, point-in-time balance information, internal customer financial data and consumer panel information provides input to a model for consumer spend behavior on plastic instruments or other financial accounts, from which approximations of spending ability may be reliably identified and utilized to promote additional consumer spending. ...

10/26/06 - 20060242038 - Method for charging costs of enjoying contents transmitted over a telecommunications network, preferably by the internet network, and related system
The invention concerns a method for charging costs of enjoying contents transmitted over a telecommunications network, preferably the Internet network, wherein chargeable contents, in the shape of one or more digital documents or files, are transmitted from at least one server (3) of a Contents Provider (or CP), which a ...

10/26/06 - 20060242037 - Marketing support device and marketing support method
An apparatus and a method for assisting the marketing in which a service provider acts as proxy to send messages to healthcare people, as customers, who have met preset conditions, out of the totality of customers, and in which the healthcare people, who have received the messages, approve an MR ...

10/19/06 - 20060235784 - Method for attributing and allocating revenue related to embedded software
A method for attributing revenue for embedded software. The method includes the first step of determining the presence of more than one type of embedded software on a given client site. Then, the process assigns priority based on the length of time each type has resided on the client system ...

10/19/06 - 20060235783 - Predicting risk and return for a portfolio of entertainment projects
A portfolio of entertainment project such that the risk and return available to investors is attractive compared to other investments. Risk and return for a portfolio of entertainment projects is predicted based on historical performance of past “similar” projects. In one implementation, characteristics that are predictive of a project's revenue ...

10/19/06 - 20060235782 - Computer-implemented method for evaluating an investment
A computer-implemented method and tool for evaluating an investment includes functionality that generates and stores data representing values/dates of a plurality of inflows and outflows over the investment period. Such data is used to derive first values that represent expected benefits over corresponding intervals of the investment period. A first ...

10/19/06 - 20060235781 - Systems, methods, and software for analyzing corporate earnings data
A financial information system provides enhanced data and/or indicators regarding reported corporate earnings. ...

10/19/06 - 20060235780 - Methodology of utilizing fibonacci numbers to analyze and predict trends in financial markets
One embodiment of the invention can be a methodology for analyzing financial markets using harmonic patterns which use Fibonacci derived formulae to verify historical market values for selected peak(s) and trough(s) of cyclical financial market to predict the future market value of a new trough or peak that will terminate ...

10/19/06 - 20060235779 - Method and apparatus for product management
A method for product portfolio analysis includes selecting a set of solution points along a curve of order benefit as a function of the number of products in a product portfolio and performing a heuristic between an adjacent pair of solution points that approximates the curve between the adjacent pair ...

10/19/06 - 20060235778 - Performance indicator selection
Performance indicators selected for an organization. In some exemplary implementations, a system for selecting performance indicators that are relevant for an organization's business strategies includes a questionnaire tool to present questions to a Graphical User Interface (GUI) user. The system also includes a performance indicator wizard to receive responses for ...

10/19/06 - 20060235777 - Method and system for specialized financial management
System and method for augmenting standard financial services products (e.g., bank accounts) for specialized needs such as for children. This involves augmenting existing types of financial services accounts and adding new types of accounts not now offered by financial institutions such as banks. For instance in the present system, a ...

10/12/06 - 20060229966 - Method and apparatus for providing and processing installment plans at a terminal
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 central controller, in turn, generates one or more installment plan identifiers defining installment plans for payment of the purchase ...

10/12/06 - 20060229965 - Method and apparatus for providing and processing installment plans at a terminal
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 central controller, in turn, generates one or more installment plan identifiers defining installment plans for payment of the purchase ...

10/12/06 - 20060229964 - Personal pension system and business method
A system and method of managing monetary contributions for a deferred savings objective such as, for exemplary purposes only, funding college, wedding or marriage, retirement, or any other large expense expected to occur years in the future, wherein a consumer makes contributions into the deferred savings system, wherein the process ...

10/12/06 - 20060229963 - Portfolio performance tracking
Portfolio performance tracking and reporting includes integration of performance tracking information for previously-sold securities with performance tracking information for securities that are still held in the portfolio. Performance tracking for securities that are still held is performed by comparing the security's current value with the purchase price (basis). Performance tracking ...

10/12/06 - 20060229962 - Evaluation of securities
A method for evaluating securities comprises the steps of estimating a P/E ratio for a security that will yield a predetermined rate of return on an investment in said security, inputting an actual historical P/E ratio for the security, determining a merit rating for the security as a function of ...

10/12/06 - 20060229961 - Risk evaluation method and system using ach data
A method and system of managing risk associated with a financial transaction. In one embodiment, the method comprises receiving data associated with a plurality of past transactions. The received data includes Automated Clearing House (ACH) data and other payment-related data. The method further comprises storing the received data in a ...

10/12/06 - 20060229960 - System and method for creating recurrent yield monetary asset based financial instrument derivatives
The system and method for creating recurrent yield monetary asset based financial instrument derivatives operates with existing telecommunications networks, including voice, data, and internet protocol to provide financial instrument derivatives that are based on recurrent yield monetary assets. A rollup entity communicates with present resources that own or hold recurrent ...

10/12/06 - 20060229959 - Customized automation of financial asset trading
The present invention pertains to a system and method by which a financial assets trader (e.g., bank/broker/foreign currency manager) who normally executes trades in the financial assets marketplace may be able to process orders with minimal human interference in a truly automated, yet customizable way, thereby avoiding that which would ...

10/12/06 - 20060229958 - System, method, and computer program product for reconciling financial data from multiple sources
A system, method, and computer program product are provided that receive financial data from different sources, parse the financial data using a rules engine such that it can be combined, add first and second data keys such that the data entries can be reconciled, reconcile the combined data, and output ...

10/12/06 - 20060229957 - System and method for evaluating potential suppliers
A method on a central information processing system evaluates financial health of suppliers of a business entity by checking a central repository to determine whether a current financial health report exists for a supplier and if not, determines whether criteria have been satisfied to require the supplier to purchase the ...

10/12/06 - 20060229956 - Supplier financial health management process
A central information processing system and method evaluate financial health of a supplier of at least one of goods and services for a business entity, by determining that a supplier spend rate exceeds a predetermined level, determining a risk factor for the supplier based upon a financial health report and ...

10/12/06 - 20060229955 - Debt reduction method and device thereof
In a method which is performed using a communication network and uses a derivative to reduce a money debt such as a housing loan debt, a loan debt, a nation/public/corporate bond debt, a lease debt, or a payment obligation including insurance benefits, a derivative corresponding to a period of the ...

10/05/06 - 20060224488 - Method for calculating portfolio scaled irr
Process and system for simultaneously evaluating performance attribution for each of multiple aggregates in a private portfolio through use of a multiply neutrally-weighted portfolio created with one or more neutrally-weighted portfolio dummies. ...

10/05/06 - 20060224487 - Apparatuses, methods, and systems to design, develop, and implement book income indices
The disclosure details the implementation of apparatuses, methods, and systems of developing and constructing book income indices. The disclosure teaches methodologies for the performance measurement of a portfolio accounted for on an historical cost-based method. Book income indices measure the performance of a base-line asset class (the “market”). Unlike total ...

10/05/06 - 20060224486 - Method and system for generating a valuation metric based on growth data factors
The present invention relates to a system, method and apparatus for evaluating a variety of financial information, determining a valuation metric, and distributing the valuation metric to system users. The valuation metric distribution may be configured by an administrator for automatic distribution of the valuation metric to system users. Alternately, ...

10/05/06 - 20060224485 - Method and system for creating an equity exchange fund for public and private entities
A method and system for creating an equity exchange fund for public and private entities are provided. The method includes the steps of receiving an application to participate in the fund from at least one investor, the investor having a position in at least one commercial entity; evaluating the entity ...

10/05/06 - 20060224484 - System and method of economic taxation
A method of taxation comprising the following steps: changing consumption tax rates at short intervals of time; applying the consumption tax rate in effect to every taxable transaction that occurs during that short interval of time; setting progressive income tax rates to be in effect for a long interval of ...

10/05/06 - 20060224483 - System and method for an exchange of financial instruments
Provided is a method and system for an online marketplace for the buying, selling and Servicing of financial instruments, such as accounts receivable, where the online marketplace receives and analyzes Account data from a Reporting Agency Database, such as a Consumer Reporting Agency Database. The online marketplace may include a ...

10/05/06 - 20060224482 - Systems and methods for managing an asset inventory
A method of managing an asset inventory is provided. The method includes obtaining data related to assets of the asset inventory and analyzing the obtained data to estimate a total number of assets required by the asset inventory over a time period. The method also includes determining a first cost ...

10/05/06 - 20060224481 - Method for determining the current value of a future development
A method for determining the current value of a future development is disclosed. The method includes receiving a set of data corresponding to a plurality of variables associated with the future development and converting the set of data to a financial gain distributed over an estimated production period. The method ...

10/05/06 - 20060224480 - Systems and methods for loan management with variable security arrangements
A data processing system, program product, and method is provided for managing at least one credit-granting account of a participant. The system comprises in one embodiment an electronic database including information describing collateral assets of the participant used for securing the credit-granting account, and a computer system comprising one or ...

10/05/06 - 20060224479 - Technology portfolio health assessment system and method
A system and method for producing infrastructure health assessments enabling enterprises to monitor the health of individual technology portfolios and plan accordingly is disclosed. The tool uses two primary assessments to determine: 1) an infrastructure score based the general health of asset components; and 2) adaptability score based on asset ...

09/28/06 - 20060218068 - Method and system for financial advising
A method of providing financial advice to a client that provides sufficient confidence that their goals will be achieved or exceeded but that avoids excessive sacrifice to the client's current or future lifestyle and avoids investment risk that is not needed to provide sufficient confidence of the goals a client ...

09/28/06 - 20060218067 - System and method for helping consumers understand and interpret credit scores
A system and method is provided that provides tools to consumers to help consumers understand their credit scores and how to take action to improve their credit scores. A system and method for each of and for a combination of a score estimating tool, a best action simulation tool, an ...

09/28/06 - 20060218066 - Method of appraising and insuring intellectual property
Methods are disclosed for using computers, computer programs, algorithms and computer networks and communications hardware and protocols to appraise the value of assets as well as protecting asset owners from the risk that other entities will value those assets differently. The methods disclosed include: Supplementing traditional valuation methods with other ...

09/28/06 - 20060218065 - Bundling of a utility payment with sale of a property
A method of bundling a purchase by a first party of a utility commodity provided over time by a second party with a property sold by a third party comprising: a) estimating a total cost for an amount of the utility commodity for a predetermined amount of time; b) obtaining ...

09/28/06 - 20060218064 - Walkaway crediting
According to the invention, a method for processing credit for a contactless smart card is disclosed. In one step, the contactless smart card is uniquely recognized at a first location. The contactless smart card is capable of recording the credit or debit that affects a stored value associated with the ...

09/28/06 - 20060218063 - Money transfer wall unit
An embodiment of the present invention discloses a financial transaction wall unit workstation. The financial transaction wall unit workstation may be configured to attach to a vertical support and may comprise at least one display face, a transaction interface for communicating between the financial transaction wall unit workstation and a ...

09/28/06 - 20060218062 - Method and apparatus for product selection
A method for determining a total benefit derived from a subset of products in a product portfolio includes identifying a set of customer orders having a set of ordered products from the product portfolio and an order benefit and selecting the subset of products from the product portfolio. The method ...

09/28/06 - 20060218061 - Integrated financial services platform
An integrated financial services platform that allows for the definition of applications, rules and data necessary to fulfill financial services to be created one time and either loaded into workstation devices that fulfill the financial services or, loaded into a server that fulfills the financial services from requesting devices. The ...

09/21/06 - 20060212380 - Methods for issuing, distributing, managing and redeeming investment instruments providing normalized annuity options
A method of issuing and managing investment instruments called “Pension Shares” which preferably take the form of securities that represents a claim against and is secured by an investment fund. A Pension Share entitles its holder to receive, at a specified maturity date, either a lump sum payment amount or, ...

09/21/06 - 20060212379 - Controlling a computer-aided process
System and method of making and using, products produced by the method, articles, and necessary intermediates of the foregoing as regards controlling a computer system in computing directed to constant dollar instruments. ...

09/21/06 - 20060212378 - Account administration plans and systems
A computer system according to particular embodiments of the invention is adapted for: (A) receiving one or more claims for reimbursement from an account holder of a health savings account; (B) after receiving the one or more claims, allowing a plan service provider to: (1) review each particular one of ...

09/21/06 - 20060212377 - Method and system for analyzing and reporting equity compensation
Computer systems and methods for reporting and analyzing grants equity-based compensation (e.g., employee stock option grants). The systems and methods store information regarding grants down to each individual grant level. The system and methods are capable of producing reports “as of” particular dates (i.e., transaction dates, creation dates, and accounting ...

09/21/06 - 20060212376 - Systems and methods for real-time, dynamic multi-dimensional constraint analysis of portfolios of financial instruments
An automated method of managing or constructing a portfolio comprising at least one financial instrument defining portfolio attributes, the method using a system comprising a processor, a display and an input device. The method comprises defining at least one objective representing a desired state for the portfolio attributes and defining ...

09/21/06 - 20060212375 - Method for venture project financing
A method for raising funds for investment in a venture project is provided. An investment agent sets up an agreement with an entrepreneur of for raising funds, up to a threshold amount, to finance the project within a first time limit and for a given return on investment. The investment ...

09/21/06 - 20060212374 - Shari'ah (islamic) compliant financial services card
A financial services card formulated in accordance with the principles of the present invention comprises a payment or transactional card equivalent in many practical respects to a conventional credit card, however, which operates in compliance with Shari'ah financial guidelines and Islamic law and therefore is conducive for use by Islamic ...

09/21/06 - 20060212373 - Method of providing financial accounting compliance
The present invention discloses a method of establishing an internal control framework that ensures accurate financial reporting as required by the Sarbanes-Oxlet Act of 2002. The method provided utilizes the established business processes to identify risks, determine the necessary controls to be implemented to mitigate these risks in order to ...

09/21/06 - 20060212372 - System and method for processing units of value
The invention relates to a system and method for processing value units, such as bank notes, coins or checks. A system and method for processing deposits of value units are provided by which bank notes of the deposit are checked successively in two bank note processing machines, and the data ...

09/14/06 - 20060206403 - System for anonymously purchasing goods and services over the internet
A system for anonymously purchasing goods and services over the Internet comprising customer, issuer, merchant and financial institution computers all linked to a communications system, a money code, and a plurality of software. A money amount is received from a customer and a money code is assigned an associated money ...

09/14/06 - 20060206402 - System and method for a rebate reward
A computerized method and system for implementing such method, the method comprising establishing a card payment instrument account for an approved customer and an investment account for the benefit of the approved customer. A rebate is calculated periodically based on credit card usage and the rebate is applied to fund ...

09/14/06 - 20060206401 - Annuity having interest rate coupled to a referenced interest rate
An annuity provides a guaranteed rate of return for a guarantee period while at the same time providing upward adjustments to the interest rate if there is a corresponding increase in a specified referenced rate, which may be a United States Treasury rate or an interest rate that is used ...

09/14/06 - 20060206400 - Method and system for unified management of plurality of assets using computer network
A method and system for collectively displaying in real-time on the Internet the status of personal assets and transactions. The system comprises a plurality of asset databases corresponding to a plurality of financial institutions; storing portfolio information related to total assets in the above-mentioned plurality of financial institutions; a unified ...

09/14/06 - 20060206399 - Method and device for generation of a customer-specific financing offer for a technical system
For a simple generation of a customer-specific data set, particularly for generation of a financing offer for the leasing of medical apparatuses, basic data are stored in a central database and centrally updated. The current basic data are transferred to a portable and decentralized computer dependent on need, and for ...

09/14/06 - 20060206398 - Managing risks within variable annuity contractors
A method for mitigating risks associated with a reinsured annuity contract includes reinsuring variable annuity contracts having guaranteed minimum death benefits, calculating risk statistics based on one or more characteristics of the plurality of guaranteed minimum death benefit variable annuity contracts, determining a set of market indices that model the ...

09/07/06 - 20060200398 - Accounting integrity verification method and apparatus
Verification unit for financial accounting comprising: a first input for receiving a financial account in electronic format, a second input for obtaining parameters used for preparing said financial account, a processing unit for independently carrying out accounting based on the data in the financial account and the obtained parameters, a ...

09/07/06 - 20060200397 - Method for maintaining and providing health savings accounts (hsas)
A business method for maintaining a Health Savings Account (HSA) (100) by providing availability and more convenient access to HSA funds where an HSA is funded through either employee (101), employer contributions (103), or through an individual line of credit from a qualified financial institution (105). Funds may later be ...

09/07/06 - 20060200396 - Systems and methods for notifying a consumer of changes made to a credit report
A system and method for monitoring unauthorized changes to a database and providing a notification to a user according to preferences set by the user. The user can select one or more data entries within a database to be monitored. When these data entries are changed, a notification is sent ...

09/07/06 - 20060200395 - Stock portfolio selection device, stock portfolio selection method and medium storing stock portfolio selection program
Provided is a device for automatically selecting a more preferable stock portfolio based on the results upon performing a comprehensive valuation of companies using a corporate valuation index containing an intellectual asset related index. Upon selecting the stock portfolio, a plurality of corporate valuation index related data containing an intellectual ...

09/07/06 - 20060200394 - Method for monitoring securities and market conditions
A method is disclosed for performing an action associated with a security in a market that has a plurality of conditions. The method includes the steps of identifying the security. Once the security is identified, an action is selected which will be taken at a certain time. A portion of ...

09/07/06 - 20060200393 - Money market trading platform
A money market trading platform provides institutional investors with comprehensive on-line analysis, account management, and on-line money market trading capabilities. An institutional investor's computer is connected via a communication network to a bank or broker's computer. The bank or broker's computer is connected via a communication network to a money ...

08/31/06 - 20060195381 - Electronic apparatus, charging system and method, charge processing device, storage medium, and prepaid card
An apparatus of the invention comprises an operation inputting element for designating one of a plurality of functions; a function executing element for executing the function designated by the operating inputting element; a measuring element for measuring the time during which each of the functions has been executed by the ...

08/31/06 - 20060195380 - Systemic investment data analysis
A system and method for outputting hypothetical investment defining data (411) are provided by the present invention. The system comprises a plurality of networked terminals (101 to 104), each of which is configured with at least processing means (208), memory means (209), networking means (211, 212) and visual display means ...

08/31/06 - 20060195379 - Attention economy for attention to messages, tasks and resources
A centrally tracked artificial currency is provided within the context of an enterprise. This currency serves as a unit of account, medium of exchange, and store of value in a corporate “attention economy.” Users (typically coworkers) in the enterprise are allotted a base number of currency units, which they can ...

08/31/06 - 20060195378 - Hybrid charge account for virtual world credit
A method and system provides for the use of credit arrangements in simulated environments. A user can participate in credit transactions involving purchases of virtual products, virtual services, and virtual items of value. Feedback is provided to the user regarding results of the credit transactions. In some embodiments multiple users ...

08/31/06 - 20060195377 - Financial ventures based on virtual credit
A method and system provides for the use of credit arrangements in simulated environments. A user can participate in credit transactions involving purchases of virtual products, virtual services, and virtual items of value. Feedback is provided to the user regarding results of the credit transactions. In some embodiments multiple users ...

08/31/06 - 20060195376 - Compensation techniques for virtual credit transactions
A method and system provides for the use of credit arrangements in simulated environments. A user can participate in credit transactions involving purchases of virtual products, virtual services, and virtual items of value. Feedback is provided to the user regarding results of the credit transactions. In some embodiments multiple users ...

08/31/06 - 20060195375 - System and method of evaluating credit instruments
Systems and methods for analyzing and evaluating credit instruments are disclosed. The systems and methods generate a residual value, including the market's view of loss given default for the credit instrument, based on market pricing information for the credit instrument. The residual value, referred to as iLGD, is indicative of ...

08/31/06 - 20060195374 - Wealth replacement rider
A method for determining a death benefit with respect to a charitable gift annuity contract, the method determining the death benefit funded on an after-tax basis of the charitable gift annuity. The method comprises determining if a wealth replacement rider has been selected; and if the wealth replacement rider has ...

08/31/06 - 20060195373 - Enterprise portfolio analysis using finite state markov decision process
This invention introduces a method, system and computer readable media that enables a computer system or computer networked system to perform enterprise portfolio transition optimization. The invention considers several key factors that are traditionally treated informally. The invention provides a sequential decision model for enterprise portfolio transition management of computer ...

08/24/06 - 20060190380 - Electronic transaction processing server with automated transaction evaluation
An electronic transaction processing server receives and evaluates invoice transaction files. The server comprises a network circuit for communicating over a frame switched network with each of a plurality of participating systems. The participating systems comprising at least one customer workstation and at least one vendor workstation. A session management ...

08/24/06 - 20060190379 - Price grabber
Systems and methods for automatic price monitoring of an online marketplace. The online marketplace is a virtual store (e.g., web-based) for buyers and sellers to exchange goods or products. A system includes a price monitoring module coupled to a market server, and buyer and seller devices. The price monitoring module ...

08/24/06 - 20060190378 - Process for verifiably communicating risk characteristics of an investment portfolio
In accordance with a preferred embodiment of the invention, there is disclosed a process for verifiably communicating risk characteristics of an investment portfolio to an investor without disclosing the exact composition of the portfolio comprising: A procedure for the investment manager to describe acceptable characteristics of an investment portfolio within ...

08/24/06 - 20060190377 - Method and apparatus for pricing and administering a credit transaction
Systems and methods are provided to administer and price credit transactions ...

08/24/06 - 20060190376 - Charged-off accounts receivable lease program
Certain embodiments of the present invention provide Credit Grantors with an alternative to warehousing or the selling of aged accounts receivables. Certain embodiments of the present invention provide Creditors immediate cash for their accounts receivables placed on lease, shifts the cost, liabilities and collection efforts to a third party and ...

08/24/06 - 20060190375 - Systemic investment data analysis
A system for outputting investment defining data (411) is provided, which comprises a plurality of networked terminals (101 to 104), each of which is configured with processing means (208), memory means (209), networking means (211, 212) and visual display means (202), said memory means (209) storing at least one data ...

08/24/06 - 20060190374 - Electronic bill pay and bill presentment account number treatment system and method
A technique is provided that transforms account number data received from the consumer into one or more forms based on use by specific processes. Further provided is a technique for establishing payees using these account numbers such that remittances can be routed via the most cost effective means, e.g. which ...

08/24/06 - 20060190373 - Computer-system control related to standard application in islamic compliant financing
A computer-aided system of illustrating, the system including: specifying, to a computer system, a private constant-dollar instrument, including defining a respective claim division on cash flow and an asset; entering data including actual cash flow datum and actual asset datum; calculating, with the computer system, respective values for each of ...

08/24/06 - 20060190372 - Method and system for computing path dependent probabilities of attaining financial goals
A method and system for computing the probability of attaining one or multiple financial goals is disclosed. Each goal is analyzed and reduced to a series of cash flows. A threshold criterion of success is established. A plurality of paths are generated. Each path is checked on the basis of ...

08/24/06 - 20060190371 - Method and system for portfolio optimization from ordering information
A method of optimizing a portfolio includes selecting an investment universe with a finite number of assets, forming a belief matrix based on one or more homogeneous inequality relationships among the expected returns of assets in the universe, selecting those asset returns that are consistent with the belief matrix to ...

08/24/06 - 20060190370 - System and method for evaluating and managing participatory real estate investments and transactions
An automated System and method for evaluating real estate Candidate Transactions for participatory funding by Investment Criteria based Managed Investment Funds; and, then managing the funded Candidate Transactions from purchase and/or construction to completion and/or sale. Complex, secured, real estate based participatory funding transactions, are evaluated, funded and transacted from ...

08/24/06 - 20060190369 - Predicting risk and return for a portfolio of entertainment projects
A portfolio of entertainment projects is selected such that the risk and return available to investors is attractive compared to other investments. Risk and return for a portfolio of entertainment projects is predicted based on the historical performance of past “similar” projects. In one implementation, characteristics that are predictive of ...

08/24/06 - 20060190368 - System and method for determining the financial impact of an event
The present invention provides a computer-based system, method and computer program product for inventorying assets and quickly determining the financial costs of an event impacting the location where such assets are located. A user is able to enter impact location identifiers and one or more asset impact variables using a ...

08/17/06 - 20060184442 - Premium financing method and product using life insurance policies and method for administering same
A premium financing method and a loan product using life insurance policy as all or a portion of the collateral for a loan or credit line. The proceeds of the loan or draws against the credit line are used to ensure payment of at least one scheduled premium of the ...

08/17/06 - 20060184441 - Check clearing systems
A system and process for more efficiently clearing checks by transmitting MICR line data together with a URL link to facilitate check clearing via electronic debits by an ACH. The URL link can be used at the option of the paying bank (or other entity) to access images of the ...

08/17/06 - 20060184440 - Risk-based pricing for rental property
A risk-based pricing system for computing rental pricing based on the background information on an individual applicant and property-specific information is provided. Rental pricing, such as rent payments and deposits, is computed by determining a risk score corresponding to the applicant. The risk score may be based on a credit ...

08/17/06 - 20060184439 - Asset backed commercial paper program
In general, in one aspect, the invention includes an asset backed securities structure. The structure includes a first and second liquidity and/or credit provider and an entity structured to acquire interest in financial assets from sellers (and to issue to a plurality of investors notes backed by the financial assets). ...

08/17/06 - 20060184438 - Fund management system and method
A dynamic and flexible method, system and apparatus for managing index mutual funds and index exchange traded funds (ETFs) through using and measuring Relative Strengths and Alphas of the underlying index components to periodically reweight the underlying index components. These reweightings are used in the daily rebalancing of the respective ...

08/17/06 - 20060184437 - Settlement engine for settling transactions and a method for settling transactions
Summarising, the present invention aims to provide a more efficient settlement engine requiring less computation effort and processing time. This is accomplished by establishing a total priority list of all transactions. The received transaction data to be settled are step-wisely transferred to an intermediate table storing the transaction data of ...

08/17/06 - 20060184436 - Method and system for providing a marketplace to professionals
A system for providing contact between a buyer and a seller, the system including a first zone in the form of a chat room, the first zone being displayed at the station of the seller and the buyer; a second zone in the form of a data acquisition zone for ...

08/17/06 - 20060184435 - Debt collecting and financing method
The invention proposes an improvement for a method for collecting a debt. The method includes entering in a data processing system data at least including data concerning the debtor and the debt, permitting debt access to at least two parties to at least a part of the data entered in ...

08/17/06 - 20060184434 - Warranty claim preparation system
This warranty claim preparation system for use with a computer relies on a comprehensive computer database and a versatile program to streamline warranty claim preparation, processing and tracking. The computer accessible database lists all vehicles on which warranty claims could be prepared for a user, all vehicle systems for each ...

08/10/06 - 20060178976 - Real estate business method and system integrating multi-level network marketing, franchise management and web tools
A real estate business method and system providing an opportunity for members of the general public to receive training in and assist in negotiating and transacting contracts for the sale of real estate. The business method and system include a business affiliation of various organizations including two publicly traded corporations ...

08/10/06 - 20060178975 - Attribute enhancement in virtual world environments
A method and system provides arrangements creating a relationship between a real-world entity and a virtual world environment. A virtual world patron can participate in various virtual world activities including transactions to acquire virtual products, virtual services, and/or virtual items of value. Feedback may be provided and records kept regarding ...

08/10/06 - 20060178974 - Agency payment system
An agency payment system for transactions covered by a virtual market control entity between participants. The system determines all payments required to be made by each virtual market control entity participant on a given day. It nets all of each of the participant's required payments to be made with the ...

08/10/06 - 20060178973 - System and method for managing business performance
A preferred embodiment of the invention includes a method and system to achieve improved profitability, liquidity and operational stability of a used vehicle operation. In broad overview, one embodiment of the invention includes four main aspects including the establishment of departmental objectives as a predetermined metric, the integration of the ...

08/10/06 - 20060178972 - Resolution of virtual world revocable transfers
A method and system provides transactions and arrangements in virtual world environments. A user can participate in transactions to acquire virtual property and related virtual rights. In some implementations, real-world and virtual parties can be involved in a possible future transfer or related transfer revocation or related transfer modification involving ...

08/10/06 - 20060178971 - Personal credit management and monitoring system and method
This document discloses fully-integrated consumer credit management and identity theft detection, protection and resolution systems, methods, and computer program products. These solutions enable consumers to manage the entire lifecycle of their credit profile and personal identity through a simple integrated application that combines credit management, credit monitoring, identity theft detection, ...

08/10/06 - 20060178970 - Virtual world reversion rights
A method and system provides transactions and arrangements in virtual world environments. A user can participate in transactions to acquire virtual property and related virtual rights. In some implementations, real-world and virtual parties can be involved in possible transfers and/or transfer revocations involving various types of virtual objects and virtual ...

08/10/06 - 20060178969 - Methods for giving a gift and systems thereof
A method for gift giving includes offering a selection of at least one of a plurality of primary gifts within a set and a selection of one or more secondary gifts. The monetary value of each of the primary gifts and each of the secondary gifts is not specified. Each ...

08/10/06 - 20060178968 - Virtual world interconnection technique
A method and system provides arrangements creating a relationship between a real-world entity and a virtual world environment. A virtual world patron can participate in various virtual world activities and transactions. Feedback may be provided and records kept regarding the virtual world activities and transactions. The virtual world patron may ...

08/10/06 - 20060178967 - Disposition of proprietary virtual rights
A method and system provides transactions and arrangements in virtual world environments. A user can participate in transactions to acquire virtual property and related virtual rights. In some implementations, real-world and virtual parties can be involved in possible transfers of various types of virtual property and virtual property rights. ...

08/10/06 - 20060178966 - Virtual world property disposition after virtual world occurence
A method and system provides transactions and arrangements in virtual world environments. A user can participate in transactions to acquire virtual property and related virtual rights. In some implementations, real-world and virtual parties can be involved in possible transfers of various types of virtual property and virtual property rights. ...

08/10/06 - 20060178965 - Tracking a participant loss in a virtual world
Embodiments include an apparatus, device, system, computer-program product, and method. In an embodiment, a system includes a virtual world in which a participant may participate. The system also includes a covered-loss detection module operable to identify an occurrence of a defined loss in the virtual world suffered by the participant. ...

08/10/06 - 20060178964 - Reporting a non-mitigated loss in a virtual world
Embodiments include an apparatus, device, system, computer-program product, and method. In an embodiment, system includes a monitoring module operable to identify an occurrence of a loss in a virtual world experienced by a participant and not covered in an existing risk mitigation arrangement between the participant and a protection entity ...

08/10/06 - 20060178963 - Enterprise value evaluation device and enterprise value evaluation program
There are provided an enterprise value evaluation device and an enterprise value evaluation program capable of judging validity of an enterprise value such as the rank of stock price of an enterprise to be researched according to the management-finance information and patent information of the enterprise. The enterprise value evaluation ...

08/03/06 - 20060173767 - System and method for managing and evaluating network commodities purchasing
Managing and evaluating commodities pricing, in one embodiment, includes retrieving and summing one or more price data sets exchanged between a buyer and seller agent in a specified time period. Additionally, metric data indicative of market prices for commodities indicated by the retrieved price data sets are summed. The summed ...

08/03/06 - 20060173766 - Electronic apparatus, charging system and method, charge processing device, storage medium, and prepaid card
An apparatus of the invention comprises an operation inputting element for designating one of a plurality of functions; a function executing element for executing the function designated by the operating inputting element; a measuring element for measuring the time during which each of the functions has been executed by the ...

08/03/06 - 20060173765 - System and method for determining an evolving combination of network components to maximize the net present value of a provider's cash flow
A method and computer program product are presented for selecting and arranging an appropriate combination of network components, or elements, in a communications network. The selection of network components is done in a manner that maximizes the net present value of cash flow resulting from the provision of communications services ...

08/03/06 - 20060173764 - System and method for trading based on tournament-style events
A system for trading a plurality of derivative financial instruments comprises a processor operable to receive a first order to buy a derivative financial instrument that represents a contestant in a contest. The processor is further operable to receive a second order to sell the derivative financial instrument. The processor ...

08/03/06 - 20060173763 - Methods and systems for providing tax efficient hedge fund returns
In one aspect, the invention comprises a method comprising: (1) selling a note to an investor for a specified amount; and (2) using proceeds from selling the note to purchase (a) one or more zero coupon municipal bonds, and (b) an option on at least one of the group comprising: ...

08/03/06 - 20060173762 - System and method for an automated project office and automatic risk assessment and reporting
In the automation of project risk identification, various qualitative and quantitative measures are combined to report a project's risk level, areas, and mitigation in an automatic and objective manner. The software package includes a risk assessment and report framework and a risk engine, a portfolio analysis, a project plan validator, ...

08/03/06 - 20060173761 - System and method for market research based on financial exchange
A system for trading a plurality of derivative financial instruments comprises a processor operable to receive a first order to buy a derivative financial instrument representing at least one product. The processor is further operable to receive a second order to sell the derivative financial instrument. The processor is further ...

08/03/06 - 20060173760 - Computer-based management and reporting methods for tax-advantaged drilling investments
The present invention relates to a system and method for funding a drilling fund using the established benefits of tax deductions and/or losses associated with the drilling of oil and gas wells. More particularly, the present invention relates to a system having computer software which provides searching and documentation functions ...

08/03/06 - 20060173759 - System and method for two-pass regulatory compliance
An automated system and method for ensuring that information in the form of data files provided by highly regulated businesses, such as financial institutions, comply with the most currently applicable Federal, state and local laws and regulations. This may be accomplished by applying a set of computer-encoded compliance rules to ...

07/27/06 - 20060167782 - Credit instrument and system providing multiple services including access to credit services and access to a service provider club
An apparatus and methods for a card that allows a cardholder to set up auto-charge payment of dues and fees to a series of clubs, merchants or service providers. The card also may be used for other transactions that accept credit cards. The apparatus includes a database containing information of ...

07/27/06 - 20060167781 - Click based trading with intuitive grid display of market depth and price consolidation
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 prices and quantities. The “Mercury” display and trading method of the present invention ensure ...

07/27/06 - 20060167780 - College savings plan account registry and method
A registry of college savings plan accounts includes a central database. The database includes a plurality of registry accounts, and each of the registry accounts includes an account number of a college savings plan account and a name of a prospective student included in the college savings plan account. A ...

07/27/06 - 20060167779 - Rate of return stops and capital return transactions
A method and system for managing and selling investments via electronic means. An investor can establish sell order criteria based upon a preset desired rate of return. The broker thereby monitors the investment and automatically sells it on behalf of the investor once the prescribed sell order criteria are met. ...

07/27/06 - 20060167778 - Object-oriented financial modeling
Software technology is used to build and perform object-oriented financial modeling. A software framework creates highly reusable and layered business objects. Business objects organize financial information and save time through ease of use and a simple intuitive interface. ...

07/27/06 - 20060167777 - Method and apparatus for determining investment manager skill
A method of evaluating an investment manager's skill includes determining a time frame including a plurality of time periods of a predefined duration over which to calculate statistics, generating a return distribution for each time period, obtaining return data for a manager for each given time period, standardizing the manager's ...

07/27/06 - 20060167776 - Affordable for-sale housing program
A method and apparatus for providing and administering an affordable housing program. A property is located for which a developer has received tax credits in exchange for constructing affordable housing units on the property. By machine, information is stored into a database regarding the property. The tax credits held by ...

07/27/06 - 20060167775 - Method for providing funding of and access to an investment vehicle
A method for providing funding of and access to an investment vehicle, comprises the steps of establishing an investment vehicle, monetizing the investment vehicle by depositing funds therein by at least one predetermined investor, receiving a request for the funds by an employee of an employer, distributing the funds from ...

07/27/06 - 20060167774 - Method for maintaining a customer account
A system to maintain a customer account including an account balance where deposits are made by a depositor calling a telephone number to which the caller incurs a charge to be connected. Other embodiments are also described and claimed. ...

07/27/06 - 20060167773 - Settlement of auctions by determining quantity before price
The orders collected during an auction form an auction pool. The fill for orders in the auction pool is established without setting an auction settlement price (ASP) for the contracts in the auction pool. The ASPs for contracts in the qualified pool are then set based on the fill. Both ...

07/27/06 - 20060167772 - Electronic interpretation of financials
Disclosed are methods and systems for electronically analyzing primarily financial information of an entity. One method comprises: receiving primarily financial inputs related to an entity; and for at least one predetermined relationship: looking up which at least two variables are linked to the predetermined relationship, determining values of the at ...

07/20/06 - 20060161493 - System, method and computer readable medium containing instructions for evaluating and disseminating investor performance information
An investor's performance is evaluated by utilizing information pertaining to at least one transaction made by the investor, such as an individual or entity, involving at least one investment. This evaluation includes determining a performance score indicative of the investor's performance relative to other investors. The performance score is determined ...

07/20/06 - 20060161492 - System, method and computer readable medium containing instructions for evaluating and disseminating investor performance information
An investor's performance is evaluated by utilizing information pertaining to at least one transaction made by the investor, such as an individual or entity, involving at least one investment. This evaluation includes determining a performance score indicative of the investor's performance relative to other investors. The performance score is determined ...

07/20/06 - 20060161491 - Method and system for advertising on credit cards affiliated with sports leagues
A customer receives a finance card and uses the card to purchase goods and/or services. Based on data compiled from the customer's use of the card the customer is offered an exclusive finance card and offered exclusive products or exclusive services. ...

07/20/06 - 20060161490 - .inserting value into customer account at point of sale using a customer account identifier
A method of adding a value to a customer account is provided. A request to add a value to a customer account of a customer is received from a point of sale terminal. The request may comprise value identification data associated with the value and account identification data associated with ...

07/20/06 - 20060161489 - Method and apparatus for evaluating the concentration of an asset portfolio
Method and apparatus for determining a concentration coefficient for an asset portfolio. The concentration coefficient is determined according to the inverse of the sum of the squares of the weights of each holding in the portfolio, and expresses portfolio concentration as an equivalent number of equal-weighted holdings. In this manner, ...

07/20/06 - 20060161488 - Data confirming system and data confirming method
What is disclosed is a data confirming system comprising: an image reader for reading an image of a manuscript written in a financial sheet, a character reader for transforming said image to a text data corresponding to said image data, a data dividing section for dividing said image and said ...

07/20/06 - 20060161487 - Method for establishing lines of credit
A method of assigning a credit limits to individual credit applicants. The method utilizes an algorithm to determine the profitability of a credit account and applies the algorithm to a plurality of credit accounts using a chi squared method to group the accounts into segments. An optimization process is performed ...

07/20/06 - 20060161486 - Financial services credit program
In the present invention, consumers are issued a credit card that is secured by the consumer's vehicle. This new card will combine all the best features and benefits of a traditional credit card, along with the higher loan amounts of a traditional consumer loan and the ease of origination, funding, ...

07/20/06 - 20060161485 - Financial analysis tree software engine
A Software Engine that summarizes the financial state of a business in a single hierarchical tree data structure. The root node of the tree is the balance equation of accounting, its leaf nodes are the ledger accounts of the company, and its internal nodes represent all of the sums required ...

07/13/06 - 20060155631 - Point-of-sale investment systems
As a positive alternative to lottery gambling, this invention permits consumers to elect to make small investments through lottery terminals. The investments are preferably made in a stock market based investment such as an Equity Index Annuity. Consumers may make investments anonymously and then consolidate them later into an account ...

07/13/06 - 20060155630 - Assigning tangible assets to workplaces
A method for assigning tangible assets to workplaces includes receiving input data provided at an input interface, the input data including information about a situation that requires to update a structure of current assignments of specific tangible assets to specific workplaces, selecting, dependent upon the information of the received input ...

07/13/06 - 20060155629 - Investment structure
Embodiments of an investment structure that avoids the earnings and ownership dilution related to an acquisition of a target company by a subsidiary company while providing attractive capital treatment are provided herein. In one embodiment, a method for creating an investment structure includes the steps of receiving investment capital from ...

07/13/06 - 20060155628 - Financial activity based on tropical weather events
A financial activity network includes a central managing system connected to a plurality of participant terminals. Rules governing operation of the financial activity are stored for future reference. A participant provides investment information such as a map location for the predicted strike by the natural event and, optionally, one or ...

07/13/06 - 20060155627 - Financial activity based on natural events
A financial activity network includes a central managing system connected to a plurality of participant terminals. Rules governing operation of the financial activity are stored for future reference. A participant provides investment information such as a map location for the predicted strike by the natural event and, optionally, one or ...

07/13/06 - 20060155626 - Graphical user interface to facilitate rapid and reliable electronic trading assessment and execution
An electronic trading user interface allows a trader to react to market conditions very quickly in order to give the trader an improved probability of trading at a desired price and volume. The electronic order process is made faster, more efficient, and more reliable. The construction and sending of orders ...

07/13/06 - 20060155625 - Method for financing of long-term energy acquisition
According to some embodiments, a method includes establishing a special purpose entity in which a first party has made an equity investment. The method further includes establishing a first sales agreement between the special purpose entity and a second party for the special purpose entity to supply a physical commodity ...

07/13/06 - 20060155624 - Insurance product, risk transfer product, or fidelity bond product for lost income and/or expenses due to jury duty service
An insurance, risk transfer, or fidelity bond product to replace in whole or in part lost income, productivity and/or pay for business, personnel, and personal expenses if a business or professional person, employee or key man or owner, is called to serve on jury duty. ...

07/13/06 - 20060155623 - Agronomy bonus system and method
A method and system for encouraging farmers to sell at least portions of their production through an agricultural cooperative entity, wherein a farmer earns price discounts and/or rebates for purchases from the entity of inputs to his or her production upon sale of such production. The farmer contracts to sale ...

07/13/06 - 20060155622 - System and method for enhancing the return of an asset accumulation product
A system and method for allowing an individual to accumulate wealth faster in the event of an adverse personal consequence, such as a death, a disabling accident or a critical illness. The system and method includes issuing an asset accumulation product and an insurance rider that guarantees an increase in ...

07/13/06 - 20060155621 - Method and apparatus for modeling and executing deferred award instrument plan
The present invention is directed to the administration of various deferred compensation LTIP and asset account programs that can effectively reduce an individual's income or estate tax by assisting a company in the identification of appropriate employees, and through the use of a novel modeling method and apparatus to implement ...

07/13/06 - 20060155620 - License distribution method
A license distribution system and a license distribution method for selling/purchasing a license securely are provided. When a purchase request of a license for viewing digital contents is received via a network from a client terminal, a reception window terminal of a storefront server receives the purchase request of a ...

07/13/06 - 20060155619 - Identification system
A card-based identification system includes one or more terminals (40) which can communicate with a database in a server. Each terminal can receive a card and includes computing means which can generate an impersonal card identifier. The terminal includes an input device (20) which can be operated by a user ...

07/06/06 - 20060149652 - Receiving bid requests and pricing bid responses for potential grid job submissions within a grid environment
A computer-implemented method, system, and program for receiving bid requests and pricing bid responses for potential grid job submissions within a grid environment are provided. The grid environment includes multiple grid resource nodes available for executing a grid job at a price. Clients submit bid requests for potential grid job ...

07/06/06 - 20060149651 - Retirement planning system and method
A computer-implemented retirement planning system comprises data collection logic, modeling logic, and report generation logic. The data collection logic is configured to receive data pertaining to an individual planning for retirement. The retirement modeling logic is configured to process the data to generate parameters of a retirement plan. The retirement ...

07/06/06 - 20060149650 - Fundraiser system
A system and method of fundraising that links a donor 106 and a fundraiser client 104 for a fundraising activity. The fundraising system 100 comprises an interface 110, a client computer link 120, a fundraising template 130, a donor computer link 140, and a processing means 150 that initiates the ...

07/06/06 - 20060149649 - Signal testing methodology for long-only portfolios
Described are methods and apparatus, including computerized methods and computer program products, for signal testing for a long-only portfolio. The methodology can be used for assessing the efficacy of a strategy for selecting securities in a long-only portfolio, and the strategy can be implemented to construct a revised long-only portfolio. ...

07/06/06 - 20060149648 - Promoting products or services using custom software to deliver
A means for companies to promote products or services to their customers, the general public or any group of users it provides its software to. This invention is particularly useful to financial and marketing companies to allow them to create private channels through which they can market their products or ...

07/06/06 - 20060149647 - Reverse purchase property transfer transaction and method of administering same
A method of selling real property and a financial transaction are disclosed. The financial transaction comprises a contract for the sale of real property in installments over a discrete time period where the transfer of possession and title from Seller to Buyer does not occur until at least completion of ...

07/06/06 - 20060149646 - Method of processing investment data and making compensation determinations and associated system
A computerized method for processing investment data includes providing a server supporting a database for receiving, processing and storing investment data which includes compensation data; providing a compensation rules engine for processing compensation data employing rules relating to compensation; introducing into the server investment data from a plurality of external ...

07/06/06 - 20060149645 - Non-capitalization weighted stock market index and index fund or funds
A method for the construction of a new type of stock market index, and stock market index fund, or funds where the index is constructed based upon the fundamental realities of the companies contained within the index rather than on the price, or market capitalization of the companies contained with ...

06/29/06 - 20060143106 - Compensatory ratio hedging
Compensatory ratio hedging is a methodology whereby an amount of a bond that is hedged by a swap varies during the life of the swap, per a predetermined schedule, such that the change in the swap's mark-to-market dollar value is equal to the change in the bond's market value caused ...

06/29/06 - 20060143105 - Portable alpha-plus products having a private equity component
A financial product. The financial product includes a cash component, an alpha engine component, a private equity component and a beta component. The cash component includes an investment in a liquid portfolio. The alpha engine component includes an investment in an alpha-generating portfolio. The private equity component includes an investment ...

06/29/06 - 20060143104 - Software solution for debt recovery
An improved and automated software system that allows inexperienced users to service debts, and quickly increases debt servicer effectiveness while decreasing the time and expense necessary to process a collection effort in accordance with ever-changing court forms and regulations. UCC-compliance, etc., thereby adding consistency and quality to a businesses' collection ...

06/29/06 - 20060143103 - Method of facilitating, managing and financing environmentally focused projects
A method of funding environmentally-driven public or private works projects (e.g., stormwater management and diesel fuel usage and emissions reduction projects, and generally any environmentally-driven project) that creates legacy utility or user fee-based programs so as to address urgent or mandated, environmental-related public concerns. The fund is employed to allow ...

06/29/06 - 20060143102 - System and method for a performance incentive plan
The invention relates to a novel incentive and compensation plan for motivating and rewarding employees, and a computer system for implementing said plan. It is an object of the present invention to provide a stock-based incentive and compensation plan that rewards employees based on the performance of the company. The ...

06/29/06 - 20060143101 - Secure cards and methods
The present invention generally relates to credit cards and debit cards. More particularly, the present invention relates to security methods and techniques that can be used with credit and debit cards and the like in order to provide protection against unauthorized use. ...

06/29/06 - 20060143100 - Variable incentive fee for hedge funds and other pooled investment vehicles and separate accounts
An incentive fee for a manager of a hedge fund or other pooled investment vehicle or separate investment account is disclosed. The percentage of the gains that is allocated to the incentive fee is proportional to the percentage gains of the underlying fund or account. ...

06/29/06 - 20060143099 - System, method, and computer program for creating and valuing financial insturments linked to average credit spreads
A system, method and computer program for creating and valuing financial instruments (including but not limited to futures, forwards, call options, put options, swaps, “swaptions”, and “op-swaps”) linked to average credit spread information. The present invention will be referred to in this application as an average credit spread-linked financial instrument, ...

06/22/06 - 20060136317 - Method of one time authentication response to a session-specific challenge indicating a random subset of password or pin character positions
Financial institution back office computerized transaction-processing system with embedded privacy and security layer (EPSL) enables strong transaction authentication prior to a merchant or vendor contact, based on a user account number, transaction conditions like anticipated transaction time and money, user two-factor authentication with a static transaction PIN and a transaction ...

06/22/06 - 20060136316 - Using event contracts to hedge idiosyncratic risk
A method for hedging in which the hedging party holds an underlying investment subject to idiosyncratic risk, identifies events giving rise to idiosyncratic risk affecting the investment, and takes a position in an event contract providing for a payout to the hedging party if the event giving rise to the ...

06/22/06 - 20060136315 - Commissions and sales/mis reporting method and system
In one example, a method of generating commissions documents comprises calculating commissions earned by a party based, at least in part, on stored data related to the party, generating at least one file comprising at least one of the calculated commissions and the stored data, and converting the at least ...

06/22/06 - 20060136314 - Web-based automated code delivery
A method for preventing disablement of a device includes assigning a contract identification code, receiving a loan payment, forwarding the loan payment from a payment center to a finance company having an interest in the device, a code delivery computer determining whether the finance company has received the payment, the ...

06/22/06 - 20060136313 - Islamic finance
An Islamically-compliant method of transferring a financial, investment or pricing risk from a initial entity to an ultimate entity by means of an intermediate entity is disclosed. The first entity acquires a risk of financial, investment or pricing loss. The intermediate entity provides protection policy to the first entity against ...

06/22/06 - 20060136312 - Method, program, and system for computing accounting savings
Method, system, and computer program product for computing accounting savings for a business related investment of a target product. The target product and at least one currently used product have at least one feature, and the business comprises at least one business related activity. The method comprises reading, from a ...

06/15/06 - 20060129472 - Method and system for tracking derivatives positions and monitoring credit limits
A derivatives position tracking system that consists of a centralized trading engine with a trade history database capable of communication with a plurality of counterpart computers via a network to enable the execution of a derivatives transaction. The trading engine and counterpart computers enable the counterpart computers to initiate, unwind ...

06/15/06 - 20060129471 - Methods and systems for managing financial accounts
Computer-implemented methods and systems for managing a special-purpose financial account involve establishing the account by a financial institution for a consumer relating to at least one consumer-designated future purchase for a pre-determined purchase price. Thereafter, contributions to a principal balance of the account are received and interest is accrued on ...

06/15/06 - 20060129470 - Sensitivity based data processing apparatus and method
A data processing technique is provided that may be applied for trading and clearing a futures contract, and more generally, for processing data structures identifying two resources terminating at different times, a time instance earlier than these termination times, and a numeric data value which is time independent. At this ...

06/15/06 - 20060129469 - plan fund
Couple would make list of all friends/family. List would be typed into an internet program and used to set up empty accounts. Program would also print the appropriate mailing information to insert into couples' wedding announcements/invitations. Mailings would contain information about how to add money to the couple's future home ...

06/15/06 - 20060129468 - Financial management system
A financial management system including presentation means for presenting financial information to a user wherein at least some of the financial information is represented by at least one graphic, manipulation means for manipulating the at least one graphic in response to an action of a user, and modifying means for ...

06/08/06 - 20060122926 - Method and system for universal gift registry
A gift registry providing a partial payment option for gift givers and a mandatory and contingent gift substitution for gift recipients. The gift recipient registers any type of gift idea from any store or establishment, for any occasion with an associated gift amount in the registry. The registrant is able ...

06/08/06 - 20060122925 - System and method for remote asset management
A remote asset management system comprising a network of programmable wireless modules, each having an antenna and an identification module and configured to communicate via a radio communication protocol. The system further includes a plurality of assets each linked to one of the programmable wireless modules and configured to be ...

06/08/06 - 20060122924 - Retirement income calculator
A retirement savings calculator for computing a deferral percentage needed to replace income at retirement age. One embodiment includes a sleeve having an open end and a plurality of windows. An insert is slidably inserted into the open end of the sleeve. The retirement savings calculator calculates a savings ratio ...

06/08/06 - 20060122923 - Method and system to create and distribute excess funds from consumer spending transactions
An improved system for consumer payors to save and donate whenever they use cash at a point of sale terminal, write a check, use an ATM machine, or use a credit or debit card. The POS system is a network composed of subscriber/payors, neutral merchant/collectors, a central clearinghouse, and provider ...

06/08/06 - 20060122922 - Purchase and rebate method
A purchase and rebate method comprises the steps of facilitating a purchase by a purchaser of a good or service from a seller and allocating a percentage of the purchase price for the benefit of the seller. The purchaser's rights to the amounts so allocated will preferably depend on whether ...

06/08/06 - 20060122921 - Systems, methods and computer readable medium for wireless solicitations
Product offering systems are provided. Product offering systems may include sending an offer to a customer that possesses a mobile computing device and has agreed to receive offers for products via the mobile computing device. Agreeing to receive offers would result in the unique data about the customer being available ...

06/01/06 - 20060116949 - System for automatically transferring account information, such as information regarding a financial services account
A system for transferring a customer's account information from one account to a new account is described. The system utilizes a switch kit application and associated system that can determine services at the old account and facilitate the transfer of these services to the new account. ...

06/01/06 - 20060116948 - Installation and method for trading in inflation
(b) calculation of a cash value of the at least one inflation correction value for the coupon value CV in year i making use of the coupon value CV, the future index data Ii and the interest rates inti; (c) presentation of a purchase price to a purchaser at which ...

06/01/06 - 20060116947 - Method and apparatus for facilitating management of information technology investment
A method, product and system are disclosed for generating and facilitating user navigation among one or more investment maps and corresponding scorecards generated using stored data associated with performance metrics of a several information technology (IT) projects. ...

06/01/06 - 20060116946 - Method and apparatus for facilitating management of information technology investment
A method, product and system are disclosed for generating and facilitating user navigation among one or more investment maps and corresponding scorecards generated using stored data associated with performance metrics of a several information technology (IT) projects. ...

06/01/06 - 20060116945 - Apparatus of quantifying operational risk, and method therefor
An apparatus of quantifying operational risk includes a transaction amount input unit to input a transaction amount, a loss rate density input unit to input a loss rate density corresponding to a probability density when setting a loss rate in a loss event to a random variable, a massive loss ...

06/01/06 - 20060116944 - Digital computer system for a synthetic investment and risk management fund
A computer system implementing at least one investment. A computer has a processor, connected to a memory device, to an input device, and to an output device, the processor programmed to control steps including: forming a synthetic investment fund by entering, as some of the input information, at least one ...

06/01/06 - 20060116943 - Method to determine price inflections of securities
The present invention provides a method to detect buying or selling activities of large market players of a given equity, compared to the activity of smaller players. For a set of consecutive trading sessions, the method analyses only trading data (open/high/low/close/volume) aggregated into regular intervals such as one-minute, two-minutes or ...

06/01/06 - 20060116942 - Method and system for implementing option interests in real property
The invention is a method and system of implementing option interests in real property. The owner of the property receives funds from an investor, which can be used to provide the property owner with income for living expenses or to use to lower the property owner's financing costs. In exchange ...

06/01/06 - 20060116941 - Investment vehicle for guaranteed lump sum payout and rollover/income option
An investment vehicle that returns a stated payout to an investor where an entity invests an amount necessary to return the payout based on expected known outcomes to achieve market compounded rates of return is described. ...

06/01/06 - 20060116940 - System and method for order purchasing and fulfillment
A system and method for managing product orders coordinates corresponding retail and wholesale orders, to provide efficient settlement and distribution of funds to all parties involved. The systems and methods disclosed do not require retailers to carry an inventory of products, and the processing of the retail order and its ...

06/01/06 - 20060116939 - Set of equipment for the preparation and execution of the financial performance of a business transaction between a seller and a buyer
The invention relates to a set of equipment according to the invention for the preparation and execution of the financial performance of a business transaction between a seller and a buyer, which contains an internal communication unit belonging to the seller's financial institution and an internal communication unit belonging to ...

05/25/06 - 20060111999 - Method and system for securitizing a currency related commodity
Systems and methods for providing a tradable (e.g., exchange-listed) instrument by securitizing foreign currency using a foreign currency trust or other special-purpose vehicle that is established to hold one or more particular foreign currency and to issue foreign currency trust shares and/or receipts corresponding to the value of the foreign ...

05/25/06 - 20060111998 - System for and method of variable annuity contract administration
A system for and method of variable annuity contract administration is provided. Each variable annuity contract includes a bonus investment credit percentage, withdrawal charge percentages less than or equal to the bonus investment credit percentage in all contract years, and level asset-based compensation to distributors. In accordance with the invention, ...

05/25/06 - 20060111997 - System and method for determining and administering an annuity with guaranteed minimum accumulation benefit
A computer-implemented method of calculating a value of a benefit for an annuity contract including a minimum contract accumulation value provision is disclosed. The method includes determining a current minimum contract accumulation value, determining a current value of the annuity contract investments, determining a predetermined reset percentage contained in the ...

05/25/06 - 20060111996 - Program for alternative funding of employee and retiree benefits
An insurance program for funding benefits by maintaining assets in the insurance program that includes an employer or employee owned trust account and at least one life insurance contract or non-cancelable accident and health insurance contract obtained directly or indirectly from a captive insurance company. The life insurance contract or ...

05/25/06 - 20060111995 - Interface between seller and buyer in seller-financed mortgages for property located in a different country from the buyer
A method of providing a useful and novel interface between a buyer and a seller of a property that is seller-financed with at least one of these entities being located in a geographically different location from the property. Through this interface the seller is guaranteed prompt payments and the buyer ...

05/25/06 - 20060111994 - Set theory based portfolio organization
A method for organizing a portfolio of financial instruments with a computer comprising providing a first user interface for said portfolio of financial instruments; providing a second user interface for selecting a least one of said financial instruments of said portfolio to form a subset, said subset of said portfolio ...

05/25/06 - 20060111993 - System, method for deploying computing infrastructure, and method for identifying an impact of a business action on a financial performance of a company
A system (and method, and method for deploying computing infrastructure) for identifying the impact of a business action on a financial performance of a company, including performing a retrospective analysis of a plurality of example companies taking a business action, wherein the retrospective analysis is based on features of the ...

05/25/06 - 20060111992 - Bankruptcy relief calculator
Bankruptcy relief calculator. A calculation program can make a relatively objective determination as to whether to file for relief from a bankruptcy stay relative to a particular account and associated collateral. Using historical statistics on bankruptcy filings as well as information about the collateral and depreciation of the collateral, the ...

05/25/06 - 20060111991 - Confindential information sharing system
Improved confidential information sharing systems, including a first plurality of data collection units (108), each collecting confidential data regarding a second plurality of individual entities, a third plurality of data consumer units which intermittently require confidential data collected by ones of the first plurality of data collection units regarding ones ...

05/18/06 - 20060106706 - Apparatus and method for document processing
A computer-based hosted service for the standardization and implementation of holistic mortgage finance transactions is disclosed. The computer-based service allows a participant in the finance transaction to combine all required loan information for a given loan program into a single universal document library, coupled with the required forms, rules, database ...

05/18/06 - 20060106705 - Computer method and apparatus for optimizing portfolios of multiple participants
Computer technology for substantially optimizing portfolios of multiple participants is disclosed. Preferably the portfolios of such multiple participants comprise fixed income instruments. The disclosed systems and methods include using at least one computer system for storing digital data representing portfolio holdings of multiple parties and, in particular, for each participant ...

05/18/06 - 20060106704 - Transaction signature
The present invention provides systems and methods for protecting transaction information stored in a database of a gaming network. To accomplish this, a transaction signature is generated each time the user completes a transaction on a gaming machine. The transaction signature is generated using transaction information from a particular transaction. ...

05/18/06 - 20060106703 - System and method for aggregate portfolio client support
As system for facilitating client and advisor communications which may include a port to an aggregate database of a client's holdings and profile. When servicing or analyzing a client's financial needs, a financial advisor at a call center or other facility may be presented with a screen displaying some or ...

05/18/06 - 20060106702 - Method and apparatus for extracting and visualizing execution patterns from web services
One embodiment of the present method and apparatus for extracting and visualizing execution patterns from Web Services collects data relating to one or more transactions executed in accordance with one or more Web Services-based applications (e.g., messaging systems or other services). One or more patterns is then extracted from the ...

05/18/06 - 20060106701 - Global remittance platform
The invention provides a remittance platform in which an enterprise, such as Wells Fargo, serves as a remittance transfer agent, where the remittance function is integrated with a bank. The invention allows access to the remittance program by both account holders with the enterprise and persons who do not have ...

05/18/06 - 20060106700 - Investment analysis and reporting system and method
A method and system for analyzing and reporting institutional investments provides a single platform for daily investment accounting, compliance, performance, and risk reports for investment portfolios held at single or multiple custody/safekeeping locations. The method involves retrieving transaction data from multiple independent financial institutions and storing it in a database ...

05/18/06 - 20060106699 - System and method for conducting secure commercial order transactions
The inventive system and method enable secure remote commercial order transactions between customers and merchants. The inventive system and method ensure that customer entire confidential financial data (CFD) is never transmitted to the merchant by keeping that CFD proprietary to the customer's exiting financial service provider (FSP) with which the ...

05/18/06 - 20060106698 - Method for providing retirement income using mutual fund longevity insurance
A method for providing retirement income using mutual fund longevity insurance is provided. A current or prospective retiree can purchase a mutual fund coupled with a longevity product. The longevity product insures against the early exhaustion or termination of the mutual fund, superannuation, or poor market performance of the mutual ...

05/18/06 - 20060106697 - Systems and methods for network-based design submission and selection
In a computer network, a client accesses a management services network and submits a request for a design project. Through the management services network, the client views portfolios showing various work products created by designers associated with the management services network. The client then selects designers, based on the design ...

05/18/06 - 20060106696 - Account transfer using a single financial account
Provided is a method for transferring a single, integrated financial account from one financial institution. A balance of the integrated account is determined by withdrawals and deposits regardless of to which un-integrated account a particular withdrawal or deposit corresponds. When a customer transfers the account, a complete account history is ...

05/18/06 - 20060106695 - Real-time credit rating using a single financial account
Provided is a real-time method for calculating a credit report based upon information associated with a single, integrated financial account. The account has an associated balance based upon deposits and withdrawals, regardless of the type of transaction that generated a particular deposit or withdrawal. An account history is maintained and ...

05/18/06 - 20060106694 - Transfer of deposit and debit subscriptions using a single financial account
Provided is a method for transferring automatic debit and deposit transactions from an account at one financial institution to another account at another financial institution. When the account is opened, the old financial institution forwards the request for payment or deposit to the new financial institution. The new institution sends ...

05/18/06 - 20060106693 - Unified banking services via a single financial account
Provided is an integrated financial account that encompasses all types of transactions. The balance of the account is determined by withdrawals and deposits regardless of the type of transaction to which the withdrawal or deposit corresponds. If a debt is presented, the net balance of the account is adjusted downward ...

05/18/06 - 20060106692 - Proprietary point of purchase resource
The present invention allows consumers to perform various financial transactions from a single source. Consumers fill out an application and are pre-approved for a variety of financial services. The consumer is provided with a smart card, which is embedded with information about the consumer and all the services for which ...

05/18/06 - 20060106691 - Methods and system for providing multiple credit lines
A method and system for applying for and providing an access device, whereby an applicant completes a multipurpose access device application that is reviewed under qualification processes established by multiple access device providers acting in cooperation with each other. Upon a positive result from the review, a linked account is ...

05/18/06 - 20060106690 - Lender evaluation system
An automated system and method for evaluating and auditing lenders and loan portfolios is described. This lender evaluation system is user friendly and increases auditors' productivity by, among other things, gathering all necessary information in a readily accessible electronic location. The lender evaluation system, and associated methods, further reduce the ...

05/11/06 - 20060100948 - Methods for creating and valuating intellectual property rights-based financial instruments
Systems, methods and computer program products for creating and valuating intellectual property rights-based financial instruments, including patent futures, options, swaps, and the like, are disclosed. In an embodiment, the present invention provides a “patent derivative” to allow investors (e.g., venture capitalist) to hedge their risk in investing in a high-technology, ...

05/11/06 - 20060100947 - Method and apparatus for facilitating management of information technology investment
A method, product and system are disclosed for facilitating user navigation between one or more investment maps and corresponding scorecards generated using stored data associated with performance metrics of a several information technology (IT) projects. ...

05/11/06 - 20060100946 - Co-investment structure with multi-option hurdle rate alternatives for performance based asset allocation
A co-investment structure that aligns interests among investors and investment managers by creating pure performance based compensation for the investment manager while overcoming the conundrum facing asset allocators in selecting investment managers. The co-investment structure provides cash-based evaluation of performance and offers multi-option hurdle rate alternatives that accommodate the performance ...

05/11/06 - 20060100945 - Method and systems for operationalizing process excellence
Method and systems for operationalizing process excellence. An execution methodology of the invention can meld process excellence with various tools and incorporate activity-based financial modeling, and an operating efficiency model. The overall process can be divided into sessions which can include pre-work, as well as characterizing “as-is” and “to-be” processes. ...

05/11/06 - 20060100944 - Method and computer network for co-ordinating financial services/products
The invention relates to a method and a computer for coordinating an electronic qualification form between a consumer and a plurality of financial service providers and wholesale investors. After receiving qualification form data, a special processing computer applies a filter to the data. The filter comprises selection criteria provided by ...

05/11/06 - 20060100943 - Method for encouraging business investment by providing abandonment value
A method for encouraging capital investment that includes a real option structure in which one company invests in another company and receives an exclusive field of use license plus an equity position. The equity position forms the basis of abandonment value if the option is not exercised, which offsets risk ...

05/11/06 - 20060100942 - Method of using market techniques to incentivise and value knowledge building
A method for operating a knowledge market and a knowledge market are disclosed. The method for operating the knowledge market includes creating a knowledge base with a plurality of knowledge assets. A strike value is assigned to each of the knowledge assets. An earned value is calculated for each of ...

05/04/06 - 20060095360 - Media wall for displaying financial information
A system dynamically displays graphic identifier information, such as corporate logos, and value information for financial instruments, such as recent trade information, on a video wall having several monitors arranged to form a larger display. The system has input ports to receive feeds with identifiers and corresponding values of financial ...

05/04/06 - 20060095359 - Computer arrangement and a method for the determination of an roh value dependent on non-monetary factors of a company
A method and a computer arrangement, more particularly a data base module, for the determination of an RoH value, dependent on non-monetary factors of a company, as related to a monetary value of the company, which includes, means for the determination of a human capital factor as a first non-monetary ...

05/04/06 - 20060095358 - Method and system for automatically detecting that international shipment movement has satisfied a threshold condition
The present invention relates to a network that tracks international shipments. In particular, it relates to automatic linking of supporting documents to electronic reports of shipment movements, including cross-border movements, and automatic detection when a shipment movement has reached a threshold condition, which may to be reported to an interested ...

05/04/06 - 20060095357 - Wireless payment processing
In one embodiment, a method includes but is not limited to authorizing at least one payment transaction wherein authorization is effected by user input to a computational entity through a wireless device. In addition to the foregoing, other method embodiments are described in the claims, drawing, and text forming a ...

05/04/06 - 20060095356 - System and method for assigning, tracking and storing equivalent emission values of purchased items
The invention relates to a system for assigning, tracking and storing equivalent emission values corresponding to purchased items, the system comprising a transaction system with: identifying means for identifying at least a purchaser and/or a vendor, a data processing unit, and a database connected therewith having stored therein at least ...

05/04/06 - 20060095355 - Method of securitizing a pool of net lease assets of financial institutions cross reference to related applications
A financial securitization transaction, such as a collateralized debt obligation (CDO) transaction, that (i) is at least partially collateralized by a plurality of net lease assets where the tenants to the leases are financial institutions generally with assets of less than $10 billion, and (ii) where such securitization may not ...

05/04/06 - 20060095354 - Weight based upselling
Weight based upselling, including receiving a purchase request for an item from a customer; determining a weight of the item; identifying, in dependence upon the weight of the item, a shipping weight range and a shipping cost for the item, where the shipping weight range includes a maximum shipping weight; ...

05/04/06 - 20060095353 - Indexed annuity system and method
Growth in the accumulation value of an indexed annuity resulting from changes in value of an underlying index is realized for both positive and negative changes in the index's value through an index investment strategy based upon investment in financial instruments that produce returns when the value of the index ...

05/04/06 - 20060095352 - Method and system for determining incremental return on invested capital
Incremental return on invested capital is determined by dividing the change in net operating profit after tax (NOPAT) by the change in invested capital (IC). NOPAT is net income, plus amortization, plus net interest on debt, plus net after-tax charges. IC is adjusted book value of equity, plus pooling premiums, ...

05/04/06 - 20060095351 - Combining a retirement income management account with a retirement income plan
Described are methods and apparatus, including computer program products, for combining a retirement income management account with a retirement income plan. A first set of data is obtained from a retirement income plan associated with a user. The first set of data includes a projected withdrawal from a retirement asset ...

04/27/06 - 20060089895 - Data processing system and method incorporating feedback
A data processing system and method are disclosed which finds particular application to equity finance mortgages. An Overall System (600) is formed from a Target Investment System (100), an Asset Origination System (200), an Asset Securitization System (400), an Asset Servicing System (300) and an Asset Management System (500). Financial ...

04/27/06 - 20060089894 - Financial institution portal system and method
Systems and methods utilizing a portal on a single computer platform for improving risk assessment and business reporting are disclosed. The portal integrates at least two financial information resources such as, for example, an electronic credit report (eCR) database, an electronic know your customer (eKYC) database, a client business management ...

04/27/06 - 20060089893 - Automated teller machine having access point and method for providing financial service using the same
An automated teller machine (ATM) having a wireless network access apparatus and a method for providing financial services using the ATM are provided. The ATM includes a user interface unit, a first financial processing unit, a first network access unit, a second network access unit, and a second financial service ...

04/27/06 - 20060089892 - Methods and apparatus for investment portfolio selection, allocation, and management to generate sustainable withdrawals
Methods and apparatus are provided for determining a minimum distribution rate and an investment allocation among individual investments of different types, including income generating investments that may be counter-balanced by principal protection investments, according to predefined ratios, determining a distribution amount based upon a performance level of individual investments and ...

04/20/06 - 20060085316 - Dynamic book yield analysis
The present invention relates to systems, methods, data structures and user interfaces for generating and presenting information as to how and why the book yield of an investment portfolio changed over a time interval. Dynamic book yield analysis is particularly useful for bond portfolio analysis and management. Transactions and events ...

04/20/06 - 20060085315 - Financial institution channel cooperation system, channel cooperating apparatus, and channel control apparatus
A financial institution channel cooperation system which connects a plurality of channels among delivery channels and supply channels of a financial institution includes: a channel control apparatus installed in a delivery channel element apparatus; and a channel cooperating apparatus which encloses the channel control apparatus and can be connected to ...

04/20/06 - 20060085314 - Escrowing digital property in a secure information vault
Digital data can be escrowed by receiving escrow parameters including a condition(s) for releasing the escrowed data, and an escrow recipient. An escrow contract is then created based upon the specified escrow parameters. The escrowing further includes storing the digital data in a secure information vault, and storing the escrow ...

04/20/06 - 20060085313 - Method of making a leveraged charitable donation while increasing net worth
A method of funding a tax-exempt organization. A donor utilizes an original principal sum that is separated into first and second distinct parts. The first part is given as a freely given, separate, and immediate cash donation to a tax-exempt organization. The second part is utilized to purchase an equity-indexed ...

04/20/06 - 20060085312 - Computer implemented and/or assisted methods and systems for detecting, tracking and responding to toxic, or likely toxic, orders in an equities order flow using toxicity and /or profit anlyzers
Methods and systems are provided which enable equities broker-dealers to execute an equity trade order while simultaneously eliminating (or at least reducing) exposure to the negative consequences associated with toxic (or likely toxic) orders in the equities market. By using toxicity and/or profit analyzers, for example, to detect, track and ...

04/20/06 - 20060085311 - System and method for using a first electronic representation of contract terms for generating a second electronic representation of the contract terms
Systems and methods are provided in which contract terms from a first electronic representation of a contract are used to form at least a part of a second electronic representation of the contract. For instance, the first electronic representation of a contract may be formed for use with a first ...

04/20/06 - 20060085310 - System and method for facilitating a wireless financial transaction
A method for executing a wireless trade is provided that includes communicating with a handheld device via a wireless network and sending and receiving financial information to and from the handheld device. The financial information is associated with a trade that can be initiated by the handheld device. The method ...

04/20/06 - 20060085309 - Systematic expansion of leveraged financing
The method and process of the invention calculates a budget that systematically pays off debts at an accelerated rate without a need to increase the cash flow volume or cause budget cuts while expanding the budget's disposable income. The method requires a budget's entire cash flow income to be paid ...

04/13/06 - 20060080206 - Integrated strategic business planning process (isbpp) business method
Various embodiments of the invention include a financial and operations business planning process to provide a balanced and integrated operating plan for an automotive supplier firm. One embodiment includes a “Free Flow” Marketing Plan, several functional plans, and a financial plan. The executive management team sanctions and institutionalize the process ...

04/13/06 - 20060080205 - Method of borrowing, investing and managing and investment fund
Investors purchase shares of a closed-end investment fund of tuition package repurchase agreements with a university. On a specified date, the university receives cash based on their current tuition rates times the number of repurchase agreements into which they have entered. As the contractual repurchase agreements reach their specified maturity ...

04/13/06 - 20060080204 - System, method and apparatus for investment using a deed of trust or mortgage instrument
A system, method and apparatus are disclosed for investment using a deed of trust or mortgage instrument. The method disclosed includes access by a certified financial professional to financial and other data on loans secured by a real estate instrument of title, evaluation of the investments, and populating the fixed ...

04/13/06 - 20060080203 - Methods and systems for interest rate prediction
In one aspect, the invention comprises a computer-implemented method for predicting interest rates, comprising the steps of: electronically receiving data describing one or more Fed fund futures rates; electronically adjusting the data describing the one or more Fed fund futures rates to obtain adjusted data regarding the one or more ...

04/13/06 - 20060080202 - On-line higher education financing system
A method of providing a user with education financing information, includes the acts of: maintaining an electronic site on a computer network to which the user may connect; sending data to the user over the network for presenting at least one electronic screen which contains financial award information concerning a ...

04/13/06 - 20060080201 - Server/client system
A server/client system includes a plurality of terminals for inputting requests of transactions; a first server for communicating with a host on the basis of the request of the transaction inputted by the terminal; and a second server having a device control program for controlling devices on the basis of ...

04/13/06 - 20060080200 - System and method for benefit plan administration
Methods and system of providing benefit plan administration. A method of providing benefit plan administration to a first sponsor having at least one participant enrolled in a benefit plan can include electronically receiving benefit plan information from the first sponsor, electronically providing benefit plan information to the first sponsor, and ...

04/13/06 - 20060080199 - Systems and method for improving investment performance
Methods for a data processor implemented system monitor for enabling persons to turn over the allocation of their investment assets, and/or receive assistance concerning how to receive disbursements from investments, in a manner that is free from or ameliorates the traditional conflicts of interest in previous systems. The systems and ...

04/13/06 - 20060080198 - Cash transaction system
A cash avoidance system uses an identifier associated with a hardware token such as a card to establish an account. Change from cash transactions are credited to the account to be spent for future purchases anonymously. The person in possession of the card may then debit the account to purchase ...

04/13/06 - 20060080197 - Financial account management
A holder of a financial account predefines a virtual account associated with the financial account. The virtual account has an associated limitation on a payment to be made from the financial account. In connection with a transaction, information about the virtual account is provided to a third party. A third ...

04/13/06 - 20060080196 - Computer implemented and/or assisted methods and systems for providing rapid execution of, for example, listed options contracts using toxicity and/or profit analyzers
Methods and systems are provided which enable options broker-dealers to execute a listed options contract trade order while simultaneously eliminating (or at least reducing) exposure to the negative consequences associated with toxic (or likely toxic) trades in the options market. By using toxicity and/or profit analyzers, for example, to detect, ...

04/13/06 - 20060080195 - Method and system to automatically evaluate a participant in a trust management infrastructure
A system, to establish a trustworthy supplier in an online commerce environment, includes an aggregated service provider represents a buyer to source and evaluate a seller. The aggregated service provider collects the requirements from the buyer, whereby the requirements include product specification and qualifications of the seller. The aggregated service ...

04/13/06 - 20060080194 - Financial instruments and methods of use
Financial instruments are disclosed. The financial instruments include one or more securities and one or more rights for investors to purchase credit. Methods and other applications are also disclosed. ...

04/13/06 - 20060080193 - Structure for generating a source of contingent capital
Embodiments of the present invention are directed to a financing structure for generating a source of contingent capital for a company. According to various embodiments, the company enters into a put option agreement with an entity, such as a trust. The put option agreement permits the company to put preferred ...

04/13/06 - 20060080192 - Equitized currency trust for real-time currency trading
An equitized currency trust has its underlying value based solely on currency, rather than on securities and/or commodities. Shares of the equitized currency trust are priced in a currency other than the currency that forms the underlying value. ...

04/13/06 - 20060080191 - Retirement plan financial product
A retirement plan financial product includes a long-term disability insurance policy or contract as a component of the assets of the trust underlying the plan. The insurance contract pays benefits into the plan upon the disability of a plan participant. The benefits are treated as income or gain under the ...

04/06/06 - 20060074790 - Method for marketing leased assets
A method of re-marketing a leased asset includes receiving an asset prior to or at the end of a lease term; inspecting the asset; photographing the asset; listing the asset and its photograph and condition on a web site; and receiving a request to buy the asset from a buyer. ...

04/06/06 - 20060074789 - Closed loop view of asset management information
A method for managing asset management information which includes creating a detailed record of an asset at the time of manufacture of the asset; and, systematically updating the detailed record of the asset in a closed loop manner when an event that causes change to the asset occurs. ...

04/06/06 - 20060074788 - Providing goal-based financial planning via computer
Interactively providing financial advice to an individual via a computer system includes: (a) receiving current information of the advisee, the current information including (i) data indicative of a current financial situation of the advisee including assets of the advisee, and (ii) data indicative of a currently intended future life event ...

04/06/06 - 20060074787 - Computer-aided process of funding, including a private constant dollar instrument
System and method of making and using, products produced by the method, articles, and necessary intermediates of the foregoing as regards tiered constant dollar instruments financing a transaction. There can be computing to produce a first tier of one or more constant dollar instruments, and computing to produce a second ...

04/06/06 - 20060074786 - System and method for collateralized debt obligations
A collateralized debt obligation is described having a subordinated revolver note. The revolver noteholder is committed providing funds to purchase additional assets to maintain the original principal value of the collateral. The amount of additional assets is determined at the end of each due period on the determination date. Funds ...

04/06/06 - 20060074785 - Method and system for evaluating the investment ratings of a securities analyst
Systems and methods for measuring the performance of calls on securities by a securities analyst during an evaluation period are disclosed. According to various embodiments, the system may include a performance evaluation module. The performance evaluation module is for determining a value (called the “hit ratio”) indicative of the success ...

04/06/06 - 20060074784 - Stored value account for use with virtual coupons
A system and method for the purchase of products, wherein a database account is credited with virtual coupons. Each virtual coupon is associated with a maximum value and a specified product. When a purchase is made, the coupon is debited from the account upon presentation of a financial card at ...

04/06/06 - 20060074783 - Real-time pin disbursement system
An automated system and method of purchasing prepaid and other services against a deposit or a credit threshold. A server provisions requests for electronic PINs. This provisioning server maintains a record for each retail merchant, distributor, or third party processor. Depending on their credit worthiness, the control server either establishes ...

04/06/06 - 20060074782 - Method for transacting securities
The method is for purchasing and selling securities. A first bottom value of a security price of a security is identified. A first purchase signal is triggered when the identified security price exceeds a difference (E) above the bottom value. A first peak value of the security price is then ...

04/06/06 - 20060074781 - System for facilitating turnkey real estate investment in mexico
The present invention provides a system of establishing a secure marketplace for the development of real estate projects in Mexico at a competitive price. Particularly, this invention involves a system where investment opportunities for Mexican projects are offered to individuals such as an investor with credit or capital residing in ...

04/06/06 - 20060074780 - Method and system to automatically qualifying a party to participate in a network-based commerce transaction
A system to facilitate network-based commerce includes receiving information relating to an item to be transacted via a network-based commerce system from a first party. Criterion information specifying at least one criterion to be satisfied by a second party in order for the second party to be qualified to transact ...

03/30/06 - 20060069634 - Methods and systems for providing enhanced capital advantaged preferred securities
In one aspect, the invention comprises a method comprising: (a) forming a limited liability company (“LLC”) operable to issue LLC preferred securities; (b) forming a trust operable to issue trust preferred securities and to purchase LLC preferred securities from the LLC; and (c) issuing subordinated notes with at least a ...

03/30/06 - 20060069633 - System and method for basket trades and trade allocation
A system and method where a client creates a basket of intended stock orders, slices the basket into one or more waves of orders, sends trade orders to a broker/dealer for execution, and allocates stocks to one or more client accounts. A backend server receives basket or wave orders, breaks ...

03/30/06 - 20060069632 - Systems and methods for general aggregation of characteristics and key figures
Computer-implemented methods, computer systems, and computer programs product are provided for automated generic and parallel aggregation of characteristics and key figures of unsorted mass data being of specific economic interest, particularly associated with financial institutions, and with financial affairs in banking practice. The parallel aggregation may reduce the amount of ...

03/30/06 - 20060069631 - System and method for providing an incentive program
The present invention provides a computer-based system and method for providing a management tool and incentive program that gives an incentive to borrowers to meet specified requirements. The program rewards the borrower with a benefit when the borrower satisfies the necessary requirements. ...

03/23/06 - 20060064368 - Financial management system
A financial transaction network includes a customer network serviced by a host processor. The financial transaction network provides customers with a plurality of diverse and interchangeable financial products and financial services that customers may utilize to directly manage their financial assets. The host processor acts as a communications switch validating ...

03/23/06 - 20060064367 - Systems and methods for insuring intellectual property holding companies
A method is performed by an insurance transaction workstation for structuring an insurance transaction between an insured entity owning an intellectual property holding company (IPHC) and an insurer. The method includes receiving an insurance coverage request for protection against a loss based on a successful taxing authority challenge to tax ...

03/23/06 - 20060064366 - Method and cash trust for financing and operating a business project
A method and financial arrangement for financing (or refinancing) and operating a business project are provided. They are designed to better allocate the risks inherent in setting up and operating the business project and optimize the benefits of the project for all of the involved parties—lenders, sponsors, investors, operators and ...

03/23/06 - 20060064365 - System and method for audit sampling
A method for auditing financial records is provided. The method includes setting a High Threshold such that a 100% detail examination is performed on all records with values exceeding the High Threshold. A Low Threshold such that none of the records with values below that Low Threshold are sampled or ...

03/23/06 - 20060064364 - Method for creating and managing a portfolio of securities with a tax-enhanced index strategy
A method for creating and managing a portfolio of securities with a tax-enhanced index strategy is provided. When the securities are stocks, the method includes: a) electronically accessing at least one database of stock information; b) electronically selecting individual stocks for an investment portfolio based on information in the at ...

03/23/06 - 20060064363 - Financial planning method and system
The present invention is a method and system for determining a symbolic rating from comparing an investor's current investment value to a investment value that the investor should possess at the current time in order to achieve a desired future investment worth, and transmitting the symbolic rating to the investor. ...

03/16/06 - 20060059074 - Synthetic funds having structured notes
The present invention relates to synthetic funds for purchase by investors. A structured note is structured to provide customized equity returns/exposure. Terms of each structured note may be specified by the purchaser and the structured notes may be unsecured liabilities of the obligor, e.g., there are no underlying assets upon ...

03/16/06 - 20060059073 - System and method for analyzing financial risk
The invention relates to the development of systems and methods for assessing a particular loan's financial risk due to process variations that have occurred in the underwriting and closing of the loan. The financial risk associated with a particular loan is expressed in terms of a quantitative score (a financial ...

03/16/06 - 20060059072 - Pattern matcher
A user can select from one of a number of predefined patterns, create a new pattern, or import a pattern from existing data. With a time interval specified, a search is performed and comparable patterns identified in one or more streams of securities data. Filtering can be performed before and/or ...

03/16/06 - 20060059071 - Method and system for separating personal data accounts
a step (60) for distributing the elements of the unified personal data account between the at least two personal data accounts. ...

03/16/06 - 20060059070 - Philanthropic financial planning tool
A philanthropic planning tool aids in planning multi-year staged donations by showing the tax consequences of a donation and the effect of the donation on an asset base across a number of years. The tax considerations for donations based on cash, securities or a mix of different assets can be ...

03/16/06 - 20060059069 - System and method for hybrid spreading for flexible spread participation
A system and method for risk analysis of a portfolio of derivative products is disclosed which is conducted based on a set of flexible rules. The system and method allow creating predefined sets of products for the purpose of future risk offsets. If a futures trade as a subset of ...

03/16/06 - 20060059068 - System and method for hybrid spreading for risk management
A risk management system and method is disclosed which utilizes a flexible and configurable set of spreading techniques which may be incorporated into existing risk management software to enhance functionality, flexibility and accuracy. In the disclosed embodiments, multiple different types of spreading are combined to allow for a more accurate ...

03/16/06 - 20060059067 - System and method of margining fixed payoff products
A system and method is disclosed for determining performance bonds related to fixed payoff products, i.e. contracts which payoff a fixed amount based on the outcome of an underlying event regardless of the particular value of the underlying event. The worst outcome of the overall portfolio, which may contain more ...

03/16/06 - 20060059066 - System and method for asymmetric offsets in a risk management system
A system and method for using asymmetrical offsets for products in a risk management analysis system are disclosed. Conventional systems assign symmetrical offsets for products, that is, if two products have an 80% correlation they each would be assigned an offset of 80% with respect to each other. However, it ...

03/16/06 - 20060059065 - System and method for displaying a combined trading and risk management gui display
A graphic user interface is disclosed that combines a traditional trading, bookkeeping system or clearing system window with a detailed margin and/or collateral asset calculation analysis window on a single screen. The disclosed GUI provides the flexibility to analyze any combination of products or instrument classes such as single stock ...

03/16/06 - 20060059064 - System and method for efficiently using collateral for risk offset
A system and method for analyzing correlation between the assets given by the trader for collateral and that trader's open positions is disclosed. Thus, if the collateral is correlated to the trader's open positions, then some offset can be given. If there is no correlation than the collateral is valued ...

03/16/06 - 20060059063 - Methods and systems for visualizing financial anomalies
A visualization technique for directing the attention of analysts to anomalous values of performance measures associated with a target entity is described. A grid of cells is created where each row represents a particular performance metric, and each column a particular time period. For each cell, an anomaly score is ...

03/16/06 - 20060059062 - System and method for determining optimal sourcing for aggregate goods and services
A method of allowing shoppers to compare prices from different vendors includes receiving a shopping list of goods and/or services from the user. The best available price for each item or service on the shopping list is determined, and is displayed to the user. A best available aggregate price for ...

03/16/06 - 20060059061 - Methods and systems for identifying and tracking potential property rights in software products
Methods and systems for identifying and tracking potential property rights in a software product and useful in auditing the software product are disclosed. Files of the software product are scanned to determine potential property rights, preferably by scanning the source code of the files to identify certain textual strings and/or ...

03/16/06 - 20060059060 - Systems and methods for executing planning services
Systems and methods are disclosed for executing services in an advanced planning environment. The services may comprise planning service that are executed using one or more objects stored in a database. Further, a planning profile may be provided, the planning profile including at least one process block containing a list ...

03/16/06 - 20060059059 - Systems and methods for managing the execution of services
Systems and methods are disclosed for managing the execution of planning services in an advanced planning environment. The planning services may be executed using one or more objects stored in a database. A method for managing the execution of planning services may include accessing a planning profile, the planning profile ...

03/16/06 - 20060059058 - System, method , and tool for comparing defined contribution lineups
The techniques described include determining a first and a second diversification measure of a plurality of funds in a first and a second defined contribution lineup, respectively, determining a first and a second risk factor for the plurality of finds in the first and the second defined contribution lineup, respectively, ...

03/09/06 - 20060053074 - Electronic trading system including an auto-arbitrage feature or name switching feature
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 a computer connected to the plurality of trader terminals via a communications network that receives and stores the credit parameter data and the trading ...

03/09/06 - 20060053073 - Investment grade managed variable rate demand notes
A financial instrument in accordance with the principles of the present invention permits a dedicated pool of debt capital to be actively deployed without the introduction of a third party source of security or collateral to cover the principal portion of funds being deployed as a predicate to effectuating those ...

03/09/06 - 20060053072 - Return on investment (roi) tool
The present invention provides a system and related method that enables a user to use one or more appropriate ROI tools according to the needs of the users. Specifically, the user provides data related to the organizations and technical expenditures, and this information is used to determine an applicable set ...

03/02/06 - 20060047593 - Method and system for funds management
Methods and systems for sweeping fund between accounts are provided. A first account is initialized with a balance. The number of withdrawals made from the first account is monitored with respect to a limit on the total number of withdrawals allowed within each cycle of a predetermined period. Upon reaching ...

03/02/06 - 20060047592 - Methods and systems for providing a financial account charging a flat amount
Systems and methods are disclosed for providing a financial account. The disclosed systems and methods may include receiving financial transaction data, establishing a balance for the financial account based on the financial transaction data, and charging an amount to the financial account. The amount may comprise a fixed amount that ...

03/02/06 - 20060047591 - Method of capitalizing a distributed business entity and allocating profits thereof
A method of capitalizing a distributed business entity and allocating profits includes forming a plurality of distributed offices under the direction of a managing entity, the distributed offices being organized to provide a service or product to customers. The managing entity sells percentage ownership interests in the distributed offices to ...

03/02/06 - 20060047590 - Real-time risk management trading system for professional equity traders with adaptive contingency notification
The present invention provides traders with a computer-based neural analysis system for trading commodities based on a traders risk profile, particularly equities, by providing a careful selection of the data to analyze and selecting the correct manipulation of that data. The neural analysis component uses initially selected data components or ...

03/02/06 - 20060047589 - Investment program contribution system
A system is provided for automatically contributing money to a savings program upon or after making a debit, credit, or stored value card transaction. Included is technology to run a service of providing savings contributions. These systems and methods can be run as a secondary transaction in parallel with the ...

02/23/06 - 20060041494 - Electronic statement preparation
The invention relates to a system and method for collecting data for use in financial regulatory compliance in the insurance industry. In a preferred embodiment, the invention includes a standardized financial statement for completion by an insurance company. The financial statement provides detail on each insurer's business and investment risks, ...

02/23/06 - 20060041493 - Method of obtaining an electronically-stored financial document
A method for a bank to obtain an electronically-stored financial document is disclosed. The financial document includes a specific document parameter, such as a record date. The bank maintains the financial document in an off-site storage system when the record date is later than a pre-selected date and in an ...

02/23/06 - 20060041492 - Financial data processing method and system
When a name of an enterprise to be evaluated and a plurality of evaluation definition names entered by a client are received by a server, an overall investment evaluation creation program creates an overall investment evaluation from a plurality of investment evaluations created according to a plurality of XBRL-formatted evaluation ...

02/23/06 - 20060041491 - Decision assistance platform configured for facilitating financial consulting services
A system includes instructions configured for enabling the one or more data processing device to facilitate preparing client-specific template information and determining client-specific consulting information dependent upon the client-specific template information. The client specific template information includes performance criteria, weightings, defined investment dataset information, filters configured for refining investment dataset ...

02/23/06 - 20060041490 - Optimizing investment strategies for long/short fund portfolios
Methods for optimizing a portfolio having at least a long position portion and a short position portion are disclosed. One exemplary method includes developing a portfolio optimization strategy for the portfolio including: adjusting at least one investment in the long position portion of the portfolio, wherein the adjusting includes adding ...

02/23/06 - 20060041489 - Method and apparatus for managing a virtual mutual fund
A method and apparatus system for managing virtual mutual funds. A plurality of investment managers manage a plurality of accounts for a plurality of investors. The investors directly hold assets in the accounts so that the investors may take advantage of any tax benefits generated by transactions using the assets ...

02/16/06 - 20060036528 - Industry specific business and tax management system
A business method that provides industry specific education programs and industry specific professional services programs having a predefined contractual relationship with at least one entity is described. The contractual relationship has terms whereby the business delivers the industry specific education programs and the industry specific professional services programs to the ...

02/16/06 - 20060036527 - Regulatory data uniform submission component
The invention relates to a system and method for collection, analysis, and submission of data for use in financial regulatory compliance in the insurance industry. In a preferred embodiment, the invention integrates an independently developed, standardized financial statement for collection of data by an insurance company, analyzes the collected data ...

02/16/06 - 20060036526 - Cash flow monitoring mechanism and methodology
A system, system component and methodology support compliance with fund and advisor policies and procedures designed to prevent the violation of federal securities laws by determining an indication of whether a fund's value is potentially being affected by market timing practices. At least one algorithm is utilized to perform analysis ...

02/16/06 - 20060036525 - Regulation compliance monitoring, reporting and documentation support system
A system provides a plurality of functions associated with monitoring and reporting required by the SEC as well as data depository capabilities of use with those requirements. These functionalities and capabilities are provided in a web-based environment that is accessible by a user over a public and/or private network. ...

02/16/06 - 20060036524 - Method and apparatus for capture and application of legal personal net worth information
A program and database with interactive forms operating on a personal computer or workstation to allow a user to capture, store, retrieve, and report on all legally required information defining an individual person's net worth, for official use in civil legal proceedings. The user sees logically-related sequence of requests for ...

02/16/06 - 20060036523 - Integrated health savings account methods and systems
An integrated health savings account system which provides electronic (real-time or batch) interconnection between a health plan claims administrator and an individual healthcare spending account. An accountholder presents an identification card to a healthcare provider or pharmacy in order to receive treatment or obtain prescription drugs. A claim for reimbursement ...

02/16/06 - 20060036522 - System and method for a sef parser and edi parser generator
A SEF grammar is created to be used with the Java CC program to autogenerate a SEF parser. The SEF parser can be run with specially written X12 code on any SEF file to automatically create an EDI object model for that SEF file. A programmer can then write application ...

02/16/06 - 20060036521 - Method and system for managing financing arrangements
Embodiments of the present invention relate to a method and system for de-coupling a customer side from an investor side in software for supporting financing arrangements. According to the embodiments, a link object may be arranged between customer objects and investor objects, and handle operations that need to be performed ...

02/09/06 - 20060031150 - Methods and systems for anomaly detection in small datasets
A technique for detecting anomalous values in a small set of financial metrics makes use of context data that is determined based upon the characteristics of the target company being evaluated. Context data is selected to represent the historical values of the financial metric for the target company or the ...

02/09/06 - 20060031149 - Investment vehicle and methods and systems for implementing investment strategy
Implementing an investment strategy to be executed for an individual investor in a single financial contract, covering a plurality of assets. The assets underlying the financial contract are managed using at least a tactical and a strategic asset allocation model. Information regarding risk tolerance, investing time horizon and investment needs ...

02/02/06 - 20060026086 - Industry specific business and tax management system
A business method that provides industry specific education programs and industry specific professional services programs having a predefined contractual relationship with at least one entity is described. The contractual relationship has terms whereby the business delivers the industry specific education programs and the industry specific professional services programs to the ...

02/02/06 - 20060026085 - Investment structure for tax-exempt and tax deferred investors
An investment structure allows U.S. federal income tax-exempt and tax deferred investors to invest in a registered investment company that is taxed as a partnership without incurring the negative tax consequences to such investors of investing in a partnership that would otherwise generate, as to such investors, unrelated business taxable ...

02/02/06 - 20060026084 - Surface ownership data management system
A system, method, and computer program forgathering and managing ownership data for properties in a geographic area on which an asset, such as a pipeline is located. The method includes the steps of: (a) gathering and storing in computer memory the ownership data; (b) obtaining a graphical representation of the ...

01/26/06 - 20060020533 - Computer-implemented program for budgeting and saving
A web-based system for budgeting and saving by a client using a team approach. In an example embodiment, the system is configured for client homebuyers to collaborate with third parties such as financial counselors and real estate agents. The clients select third parties to their teams, and a team connect ...

01/26/06 - 20060020532 - Combined loan and investment system and method
A combined loan and investment program comprises a computer processor and program code configured to be executed by the computer processor to process financial loan and investment data by calculating from the data interest and principal loan payments on a loan principal at a given rate and term, calculating investment ...

01/26/06 - 20060020531 - Risk return presentation method
A system and computer-implemented method for graphical display of risk and return information of an investment mix or an investment portfolio based upon investment asset classes from which the investor selects a mix and assigns desired weights for each asset class in the mix. The investor's risk tolerance is dynamically ...

01/26/06 - 20060020530 - Systems for providing financial services
The present invention provides an intranet system for a financial service corporation. The present invention also provides a browser interface for financial services. The interface comprise a toolbar; a task menu wherein each task is associated with a number of financial applications; an object menu associated with each task which ...

01/26/06 - 20060020529 - Asset visibility management system with binding or unbinding assets
A method in an asset visibility management system the includes the steps of associating an asset with a plurality of information elements and associating an asset carrier with a plurality of information elements. The information elements associated with the asset include an asset identification and a binding link. The information ...

01/26/06 - 20060020528 - Asset visibility management system
An asset visibility management system for monitoring and managing assets across different domains. The system includes a plurality of proxies such as an originating proxy, a recipient proxy, and other facility proxies that are associated with transport facilities, transfer facilities and storage facilities. The proxies have a transaction component and ...

01/26/06 - 20060020527 - Scalable asset visibility management system
An asset visibility management system that comprises a common sytem backbone, an asset transaction system interface, and an asset data acquisition and communication device interface. The asset transaction system interface provides communications between the common system backbone and one of a plurality of asset transaction systems. The asset data acquisition ...

01/26/06 - 20060020526 - Investment portfolio analysis system
An investment portfolio management system enables computation of hedging strategies (each including one or more hedging transactions) and presentation of the strategies to the investor. Each hedging strategy takes into consideration tax impact information that is sparticularized to the individual investor. Investor portfolio data identifying assets owned by an investor ...

01/19/06 - 20060015434 - Systems and methods for providing a trading interface with advanced features
Systems and methods for a trading interface with advanced features are provided. Using these systems and methods, a user may create orders, manipulate orders, cancel orders, configure alternative keyboard settings, and/or obtain additional information on transactions. When a user clicks on a bid and/or offer, a dialog box may pop-up, ...

01/19/06 - 20060015433 - Non-capitalization weighted fundamental indexing system, method and computer program product
A passive investment system based on indices created from various metrics is disclosed. The indexes may be built with metrics other than market capitalization weighting, price weighting or equal weighting. These metrics may include, but are not limited to book value, sales, revenue, earnings, earnings per share, income, income growth ...

01/19/06 - 20060015432 - Method for distributing financial data
The present invention is aimed to provide a system for providing, to a terminal device of an investor, data indicating delay of distribution of financial data, which data is used for the investor to make decisions on investment transactions in a simple and reliable way. To achieve the above aim, ...

01/19/06 - 20060015431 - System and method for flexible path handling
A method for a computer system includes receiving a mapping schema between a plurality of asset-types within an asset-type hierarchy and a plurality of paths within an on-disk storage structure, receiving an asset-type definition list from a user, wherein the asset-type definition list comprises an asset-type from the plurality of ...

01/19/06 - 20060015430 - Method for creating indices of forecasts of performance regarding financial markets
Described herein is a method for creating indices of forecasts of performance regarding financial markets, in which a number (p) of performances for each element of a number (m) of markets and/or financial tools are considered as unknown variables; the method comprising the following steps: definition of an objective function ...

01/19/06 - 20060015429 - Methods and apparatus for investment portfolio selection, allocation, and management to generate sustainable withdrawals
Methods and apparatus are provided for determining a minimum distribution rate and an investment allocation among individual investments of different types, including income generating investments that may be counter-balanced by principal protection investments, according to predefined ratios, determining a distribution amount based upon a performance level of individual investments and ...

01/19/06 - 20060015428 - Future check financing method
A Future Check Financing Method is disclosed. The method enables purchasers and others to present future-dated checks (or other payment vehicles) at the point of sale for purchases. The potential recipient of the future-dated payment vehicles and/or a check guarantee entity is able to make a lending decision based solely ...

01/19/06 - 20060015427 - Future check financing method
A Future Check Financing Method is disclosed. The method enables purchasers and others to present future-dated checks (or other payment vehicles) at the point of sale for purchases. The potential recipient of the future-dated payment vehicles and/or a check guarantee entity is able to make a lending decision based solely ...

01/19/06 - 20060015426 - Risk shifting method for investments in wind power generation
A method for shifting risk in a wind power generation project from an investor to a guarantor. The method includes determining a premium amount to be paid by the investor to the guarantor, determining a total return floor amount, obtaining structural supports including a wind variability swap, manufacturer's warranty and/or ...

01/19/06 - 20060015425 - System and method for providing customizable investment tools
Computer-implemented methods and systems to help investors determine the fair value and ratings of assets (such as equity or debt instruments, etc.), and thereby make better informed investment decisions, through: automatically consolidating selected asset historical performance, forecasting and rating information; automatically computing asset valuations based on default and/or customized valuation ...

01/19/06 - 20060015424 - Management method, system and product for enterprise environmental programs
To provide for management of enterprise environmental programs, the invention is a method, system, and computer program product that performs functions for emissions cataloging, assessing, analyzing, comparing, strategic planning, reporting and viewing. The invention further provides an integrated, modular mechanism with dynamic data promulgation for making strategic performance assessments and ...

01/19/06 - 20060015423 - Integrated method loan and financial planning system and method
An integrated mortgage loan and financial planning system for use by an integrated network of service providers within a predetermined community utilizing a shared, automatically-generated mortgage loan and financial planning application with a client's information for evaluation and approval by members of a network of service providers providing integrated mortgage ...

01/19/06 - 20060015422 - Method for financing a loan
A method for financing a product or service that includes determining a first loan amount and calculating a first periodic payment and a first term based on the first loan amount. The method further includes determining a supplemental allowance for a borrower and calculating a revised loan amount by summing ...

01/19/06 - 20060015421 - Systems and methods for objective financing of assets
Systems, methods, and computer program products consistent with the principles of the present invention provide an infrastructure for asset owners to obtain financing arrangements from a multitude of liability providers in near real time and objectively. ...

01/12/06 - 20060010063 - Automated banking machine system with multiple browsers
An automated banking machine (12) is operative to conduct transactions in response to mark up language documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16), as well as in response to messages exchanged with foreign servers (20, 22, 24, 26, 28, 96) in a ...

01/12/06 - 20060010062 - Automated banking machine system with multiple browsers
An automated banking machine (12) is operative to conduct transactions in response to mark up language documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16), as well as in response to messages exchanged with foreign servers (20, 22, 24, 26, 28, 96) in a ...

01/12/06 - 20060010061 - System and method for incorporating mortality risk in an investment planning model
A retirement planning method for computing possible future values of a portfolio of an investor. In one embodiment, the method includes the steps of (a) receiving a plurality of user inputs comprising an initial value of the portfolio and a current age of the investor; (b) providing data indicating one ...

01/12/06 - 20060010060 - Financial advisory system
A financial advisory system is provided. According to one aspect of the present invention, return scenarios for optimized portfolio allocations are simulated interactively to facilitate financial product selection. Return scenarios for each asset class of a plurality of asset classes are generated based upon estimated future scenarios of one or ...

01/12/06 - 20060010059 - Investment information providing system of which working display may be set by a user, and a method thereof
The present invention provides a system and a method wherein a user can set working window display in an investment information providing system according to his/her own preference or needs. ...

01/12/06 - 20060010058 - Multidimensional database currency conversion systems and methods
The subject invention pertains to generation of a support structure for currency conversion. More specifically, systems and methods are disclosed to generate a currency conversion infrastructure automatically. Users can be queried and specify currency conversion parameters and configuration in business terms without specific knowledge of technical implementation details. The systems ...

01/12/06 - 20060010057 - Systems and methods for conducting an interactive financial simulation
A method for conducting an interactive financial simulation. The method is implemented at least in part by a computer and includes transmitting an initial financial projection for a fictitious company, transmitting a news story, generating a new share price for the fictitious company based on an index, generating a new ...

01/12/06 - 20060010056 - System and method for high-yield returns in riskless-principal interest rate/yield arbitrage
A system, method and strategy of investment can be executed in any currency and amount and, when constructed, can be executed and closed in certain steps to result in a pre-defined, guaranteed and quantifiable level of profitability for an investment without risk that the principal investment amount will be lost ...

01/12/06 - 20060010055 - Business evaluation supporting method
A method and an apparatus for easily and efficiently setting an evaluation index suitable for an evaluation purpose when a business or a business portfolio is evaluated. In the method and apparatus, investment distribution is easily and visually confirmed during computation of the evaluation index when an object to be ...

01/12/06 - 20060010054 - Purchase order and purchase order response interactive forms
The present invention provides a method and system for generating electronic purchase orders and purchase order responses. Purchase orders and purchase order responses may be automatically filled in using business data stored by the purchaser. The system may automatically generate one or more messages and attach the purchase order and/or ...

01/12/06 - 20060010053 - Asset allocation based system for individual investor portfolio selection
A system for allocation asset based portfolio investment and management provides model portfolios which are selected by correlation to investor's responses to a questionnaire concerning time frames and risk tolerance. Recommended model portfolios are presented to investors by asset allocation class percentages only, without identification of any specific securities of ...

01/12/06 - 20060010052 - Novel method and system for vehicle financing
A method for financing a vehicle; establishing a purchase price for a vehicle; establishing a collateral investment vehicle; setting forth a payment plan over a pre-set period of time such that a portion of the payment goes toward the payment of the vehicle and a portion goes to a collateral ...

01/05/06 - 20060004644 - Systems and methods for issuing and maintaining a bond
According to some embodiments, a bond is issued to an investor in exchange for value. The bond may be, for example, a tax-free municipal bond associated with (i) a spread to a predetermined index, (ii) a nominal maturity date, (iii) an initial mandatory tender date prior to the nominal maturity ...

12/29/05 - 20050289036 - Method for securitizing retail lease assets
The present invention provides a new form of financial instrument for securitization of retail automotive and light truck lease assets. The instrument is supported by secured notes that are separately and independently secured by a first priority perfected lien on each related vehicle and lease (to protect the investment entity ...

12/29/05 - 20050289035 - Method for providing multiple electronic fixed income securities inventory platforms on a single website for viewing by the public
A method for providing multiple electronic fixed income securities inventory platforms on a single website for viewing by the public makes available to the public on single Internet site multiple unique electronic fixed income securities inventory platforms. On-line electronic fixed-income securities inventory platforms offering and selling fixed income securities are ...

12/29/05 - 20050289034 - Website submission security monitor
Consumer data that is submitted through a company's website is tagged and then monitored to assure that the consumer data is not used for unauthorized purposes. A filtering program is capable of identifying pre-authorized users and routing the consumer data only to those pre-authorized users. A banner logo or seal ...

12/29/05 - 20050289033 - Insurance for a security
A method for insuring a security comprises the steps of obtaining a security and purchasing an insurance policy for insuring against a change in the value of the security. A system for insuring a security is also disclosed. ...

12/29/05 - 20050289032 - System and method for tracking the return of loaned or rented items
A system for tracking a number of items borrowed or rented by customers includes a chute reading identification data from each item as the item is returned through the chute by the customer. Data records associated with the returned items are updated to indicate the items are available, even before ...

12/29/05 - 20050289031 - Computerized method of processing investment data and associated system
A computerized method of processing investment data includes providing at least one data object interface having a plurality of data objects, introducing into the data object interface investment data of different formats from a plurality of external sources, processing the investment data by the data object interface to create a ...

12/29/05 - 20050289030 - System and method for financial institution account deposits via retail merchants
Deposits to a customer account at a financial institution are received by a retail merchant, and deposited to the customer account. The funds may comprise cash or a negotiable instrument such as a paycheck. The funds deposited by the retail merchant may comprise all or a portion of the funds ...

12/22/05 - 20050283419 - System and method for maximizing after-tax income using split method charitable remainder trusts
A system, method, and apparatus are disclosed for maximizing after-tax income from trusts, including charitable remainder trusts, through balanced distribution of assets between fixed income and equity investments (and possibly tax free and return of principle) based on a customized risk benefit analysis tailored to the unique circumstances and preferences ...

12/22/05 - 20050283418 - System and methodology for processing debt management plans
A system and method for creating and managing debt management plans on an automated basis. The system is provided with various personal and financial information from a debtor and/or a credit counselor and then automatically generates a debt management plan for the debtor subject to creditor approval. In one embodiment, ...

12/22/05 - 20050283417 - Integrated trading information processing and transmission system for exempt securities
The present invention provides a system for processing and transmitting trading information incorporating (a) a risk analytic module using the latest market prices and data provided by the other two modules, (b) an auction module comprising a private asset auction functionality and a two way trader workstation capability, with bid-offer ...

12/22/05 - 20050283416 - Method and system for providing assurance and financing services
A system for conducting commercial transactions between buyers and sellers is disclosed. The system includes a transaction processing system for facilitating payment for transactions between buyers and the sellers. In addition to the buyer and the seller, the transaction processing system also interacts with issuers and acquirers. The transaction processing ...

12/22/05 - 20050283415 - System and method for displaying market data including last trade data
Systems, methods and user interfaces are provided for augmenting snapshots of market depth information. Visually perceptible elements, such as icons and background shading, may be used to represent trades that have occurred after a first snapshot of market depth information and before a second snapshot of market depth information. Audible ...

12/15/05 - 20050278239 - Document processing system using full image scanning
A system for tracking currency bills comprises a currency scanning device. The scanning device includes a sensor that retrieves currency identification characteristic information of each bill processed. The currency identification characteristic information permits the unique identification of each bill processed. The system further comprises a customer identification means and means ...

12/15/05 - 20050278238 - Method of and system for collecting product and related information via a network and placing this information in a persistent data store for later distribution to resellers over a network
Disclosed is a system and method that collects information from suppliers/distributors into a relational database on one or more servers and delivers that information to resellers/distributors. The present invention resides upon one or more computer servers hosting a web server for user interface and/or an application server for business logic ...

12/15/05 - 20050278237 - System, apparatus and method for performing a multiple condition investment transaction
The present invention provides a system, apparatus and method for performing a multiple condition investment transaction by: (a) receiving a transaction request for an investment containing two or more non-time-based conditions, each non-time-based condition having an action to be performed whenever the non-time-based condition is satisfied, (b) obtaining market information ...

12/15/05 - 20050278236 - Methods and systems for planning trade deals
Methods and systems consistent with the present invention provide for planning deals. A deal master module provides a user interface for users to create a record with information reflecting characteristics of a first deal for inclusion in a deal hierarchy, and create a record with information reflecting characteristics of a ...

12/15/05 - 20050278235 - Method and system for a contract option
This invention provides a novel method and system for instantiating a data structure comprising a contract option including a disjunctive capability, of especial utility in enabling a new way of selling commodities or services. Rather than being a right to buy a unit of a type of item at a ...

12/15/05 - 20050278234 - System and method for evaluation of simulated hedging relationship assignments
A system and method for evaluation of simulated hedging relationship assignments. A processor may, in response to an inputted selection of a simulated hedging relationship assignment, calculate at least one effectiveness value for the simulated hedging relationship assignment. ...

12/08/05 - 20050273408 - System and method for managing financial market information
A system and method are provided for managing financial market information. According to certain embodiments, the system includes a computer having a memory, processor, and display. The processor is capable of generating a graphical depiction of the financial market information on the display. The graphical depiction includes a multidimensional representation ...

12/08/05 - 20050273407 - Methods and apparatus for managing a plurality of investments
Methods and apparatus to manage a plurality of investments are disclosed. The methods and apparatus enable an individual investor who is part of an investment group to perform individual transactions as well as group transactions. Each investment transaction made through the investment group is tracked at the transaction level for ...

12/08/05 - 20050273406 - Method and computer network for co-ordinating a loan over the internet
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 displaying documents in a web site, and receiving credit data forming placed on the web site. After receiving this ...

12/08/05 - 20050273405 - Method and system fro making a conditional event binding on purchasers and vendors
The present invention relates to a method and system for selling a conditional event over a network such as the Internet, and in particular, to a method and system for selling a conditional event that provides that the sale of the event shall become binding on the buyer and the ...

12/08/05 - 20050273404 - Shareholder value tool
The present invention provides and system and related method for automatically examining a company's financial data and evaluating factors affecting the company's stock value. Specifically, the present invention evaluates a company's spread through that company's debt and equity costs. The present invention further measures returns to investors from company growth, ...

12/01/05 - 20050267829 - Computer method and system for intermediated exchanges
In a preferred embodiment, this invention includes software processes distributed on one or more computer systems that exchange messages in order to facilitate an intermediated exchange of financial commodities between a plurality of participants. The messages are exchanged according to a preferred protocol that leads to a satisfactory exchange that ...

12/01/05 - 20050267828 - Methods and systems for classifying entities according to metrics of earnings quality
Methods and systems for classifying entities according to metrics of earnings quality are provided. At least one value corresponding to earnings quality of an entity is generated based on at least one metric of accruals, and the entity is classified according to the at least one value. For example, the ...

12/01/05 - 20050267827 - Method and system to evaluate anti-money laundering risk
A method to evaluate anti-money laundering risk may include identifying a person or other legal entity to be evaluated. A country may be selected associated with the person or other legal entity. At least one financial product or financial instrument associated with the person or other legal entity may be ...

11/24/05 - 20050262000 - Fixed rate financing instrument offering a dividend or partially guaranteed by third party to issuance, method for establishing a market for the same, method for directly public-offering the same on-line
A fixed rate financing instrument issued by a corporation, government, or other organization which pays a fixed interest rate and/or dividend as secured by an issuing entity's promise to pay and partially guaranteed by a third party to issuance. An operation financing system for public-offering the fixed rate financing instrument ...

11/24/05 - 20050261999 - Event-driven financial analysis interface and system
A system for graphically displaying financial markets event data to a user includes a computer, one or more databases remote from the computer, a communications link configured to permit the computer to access the databases and a user interface having a display device coupled to the computer configured to display ...

11/24/05 - 20050261998 - Computerized system and method for valuating employee stock options
Computer system and method for performing valuation of stock options issued by a corporation to employees are provided. The computer system may comprise a historical employee stock option database populated with information regarding employee stock option awards issued by said corporation. The computer system may further comprise a historical stock ...

11/24/05 - 20050261997 - Determination of risk factors for use in a card replacement process
Processing requests for financial-related transactions. Upon receiving a communication from a caller, wherein the communication includes a request for a particular financial card, information is obtained from the customer for use in processing the request. A first set of criteria related to the information is evaluated to determine if the ...

11/17/05 - 20050256794 - Benefit financing arrangement
Methods and systems for funding a benefit and/or managing a benefit plan. A benefit account is established. The benefit account is funded. A line of credit is established. A benefit is paid from the benefit account, and, if the benefit account balance falls below a predetermined threshold, the benefit is ...

11/17/05 - 20050256793 - Multiple seller securitization for transforming private equity exposure
Embodiments of a multi-seller securitization structure include an issuer structured to receive at least one asset portion from each seller of a plurality of sellers, with each asset portion comprising an asset support pool of a total asset pool of the issuer. The issuer is structured to issue at least ...

11/17/05 - 20050256792 - Money processing system
A money processing system according to the present invention includes a coin change dispenser, a note change dispenser, and a control terminal, each having a control unit. The control units are generally adapted to carrying out a “change dispensing mode” control for receiving money given by a customer and dispensing ...

11/17/05 - 20050256791 - System and method for administering charitable funds through affiliations of professionals
An affiliation of professionals administers charitable fund accounts. The membership of the affiliation contains tax and estate planning attorneys, and/or accountants, and/or CPAs, and/or other non-financial oriented professionals. The fund is created through the affiliation by one of the professionals working with a donor to select and fund the charitable ...

11/17/05 - 20050256790 - System and method of reducing the cost of raising capital
The present invention is related to a system and method of reducing the cost of raising capital for a business or enterprise. The invention provides interlinked template worksheets and all associated documents necessary to complete a capitalization plan to present to investors. The input data entered by the enterprise is ...

11/10/05 - 20050251470 - Mutual fund card method and system
A computerized method and system for implementing such method, the method comprising establishing a card payment instrument account for an approved customer and an investment account for the benefit of the approved customer. A rebate is calculated periodically based on credit card usage and the rebate is applied to fund ...

11/10/05 - 20050251469 - Network topology for processing consumer financial transactions
A network topology for efficient processing of consumer financial transactions includes an intermediary database server adapted for the secure collection and selective conveyance of financial information in facilitation of consumer financial transactions and a purchase gateway for accessing the intermediary database server for the provision by the purchaser of the ...

11/10/05 - 20050251468 - Process management system
An automated method and system (100) for enhancing the operational effectiveness and optimizing the tangible financial impact of one or more enterprise processes on a continual basis. ...

11/10/05 - 20050251467 - Method and system for issuing securities and fixed rate financing instruments, method for establishing a market with the system
An issuing system for a newly-issued security or fixed rate financing instrument includes a server and a plurality of issuing machines connected to the server via a network. Each of the issuing machines receives an ID recording medium provided by a potential purchaser, retrieves an identification recoded in the received ...

11/10/05 - 20050251466 - Arrangements and methods for computer based decision support
The present invention relates to computer arrangements and methods for investment decision support. An advice database comprises a plurality of records for storing advice messages relating to pieces of investment advice. An advice evaluation mechanism is operable to use a set of criteria having at least one variable parameter for ...

11/10/05 - 20050251465 - System and method for structuring and operating an investment vehicle
A system and method of structuring and operating an investment vehicle is disclosed which structures the investment vehicle as a common trust fund which operates using the investment, trading, and timing strategies of a hedge fund. The investment vehicle is implemented using a common trust fund structure, which may be ...

11/10/05 - 20050251464 - Method and system for automating an audit process
A method for automating an audit process is disclosed. The method includes automatically accessing data pertinent to process-based leading indicators and symptomatic lagging indicators, wherein the plurality of process-based leading indicators is correlated with the plurality of symptomatic lagging indicators. The data is then stored and, when appropriate, results are ...

11/03/05 - 20050246259 - Method and system for providing guidance data
Described herein is a system and method for providing entity investment guidance via a communication network. The system includes a server, at least one entity-issued disclosure received by the server via the communication network and a storage accessible by the server. The storage includes at least one forecast data extracted ...

11/03/05 - 20050246258 - On-demand assembly of buyer simulacra
Methods, systems, and computer program for interacting with simulacrum members of a buyer simulacrum. Persistent storage is configured to store collective qualifications of the simulacrum based on the individual qualifications of the simulacrum members, while a simulacrum broker is configured to present the collective qualifications to third parties. Thus, the ...

11/03/05 - 20050246257 - Estimating fees for advisors to investment banking deals and analyzing market trends in investment banking
Methods of estimating a fee earned by one or more advisors from various types of investment banking deals and transactions are disclosed. The financial deals or transactions may be, for example, a merger or acquisition, an initial public offering, an offering of convertible securities, a secondary offering, a block trade ...

11/03/05 - 20050246256 - Method and system for assessing the risk of a vehicle dealership defaulting on a financial obligation
The present invention relates to a method and system of assessing the risk of a vehicle dealership defaulting on a financial obligation. A preferred method embodiment of the present invention includes receiving at least one financial factor with a plurality of point weights and vehicle dealership financial statement information and ...

11/03/05 - 20050246255 - Systems and methods for constructing a value index and a growth index
A method of constructing a value index and a growth index is disclosed. The method includes, determining a value of each variable in a group of variables for each security in a group of securities, determining a standardized score of each variable for each security, and determining an overall value ...

11/03/05 - 20050246254 - Method of establishing a futures market for polution
The method of reducing pollution of a pollutant by relying on the market forces to set the pollution fees charged for pollution. The marginal cost (m1) is known by actors, companies, individuals or actors for reducing one pollution unit of the pollutant. The current market rate of futures cost/price (n1) ...

11/03/05 - 20050246253 - System to enable a telecom operator provide financial transactions services and methods for implementing such transactions
The invention relates to a system, enabling subscribers of a wireless Telecom Operator to execute financial transactions with a mobile phone, or an electronic device which can be connected to the wireless communication network, wherein a subscriber has one or several Financial Transaction Accounts open and managed by the Telecom ...

10/20/05 - 20050234791 - Premium financing method and loan product using life insurance policies and method for administering same
A premium financing method and a non-recourse loan product using life insurance policy as only collateral for a non-recourse loan. The proceed of the non-recourse loan being used to pay the premium of the life insurance policy. The non-recourse loan product can use a new or an existing life insurance ...

10/20/05 - 20050234790 - Scaling order matching beyond one processor in exchange systems
Methods, articles of manufacture, and systems are provided that may be utilized to increase the rate in which orders may be processed for a given security by balancing the trading load over a number of local books. For example, when a monitored amount of order volume for a book reaches ...

10/20/05 - 20050234789 - Systems, methods and computer readable media for providing and managing balance transfer accounts
Systems, methods and computer readable media provide mechanisms to manage a financial account including a credit line sub-account for managing purchases by the customer and a balance transfer sub-account for managing at least one balance transferred by the customer. Attributes of the balance transfer sub-account define a structured repayment plan. ...

10/13/05 - 20050228733 - Systems and methods for managing client accounts
Providing interest to clients' deposited funds without limitation on the number of demand withdrawals from deposit accounts is accomplished by an administration system that keeps all of the records for the clients' deposits and withdrawals, calculates the total of the deposits and witndrawals for all clients, and uses the calculation ...

10/13/05 - 20050228732 - Perpetual funding method for mitigating impacts on public infrastructure projects
The present invention generally provides a method for administering project finding, whereby the project administrator receives an endowment or startup grant from a sponsoring entity, and utilizes said endowment or grant to purchase financial instruments offered by that entity. This creates a zero net loss situation for the sponsoring entity. ...

10/13/05 - 20050228731 - Systems and methods for portable alpha-plus fixed income products
A financial product. The financial product includes a fixed income component and an alpha engine component. The fixed income component is structured to provide asset-liability matching and/or spending rule benefits. The alpha engine component includes an investment in an alpha-generating portfolio. The investment includes a cash investment and/or a derivative ...

10/13/05 - 20050228730 - Targeted dividend reinvestment plans and methods of establishing same
A method of establishing a targeted dividend reinvestment plan associated with environmental management projects, and financial securities generated therein. In one embodiment, the method comprises steps of providing a dividend reinvestment plan, identifying at least one environmental management project, generating financial securities (e.g. “green” shares or other financial instruments) associated ...

10/06/05 - 20050222932 - Electronic commerce method, electronic commerce system, certificate terminal, and principal certification method by agent
In order to prevent without fail the abuse of certificate information which are exchanged on a network, an orderer inputs the certificate information to a certificate terminal when placing an order for a commodity, the certificate terminal encrypts the certificate information to send it to an order receiver and holds ...

10/06/05 - 20050222931 - Real time data integration services for financial information data integration
Financial information data integration is provided through real time data integration services deployed in a services oriented architecture. ...

10/06/05 - 20050222930 - System using multiple computers in consummating a sale
An electronic system, the system for selling fixed income instruments, the system including a second computer having an output device and at least one buyer's computer having an electrically coupled input device and a monitor, the buyer's computer and the second computer being respectively located, the computers being used in ...

10/06/05 - 20050222929 - Systems and methods for investigation of financial reporting information
Financial data including general ledger activity and underlying journal entries are examined to determine whether risks of material misstatement due to fraudulent financial reporting can be identified. The financial data is analyzed statistically and modeled over time, comparing actual data values with predicted data values to identify anomalies in the ...

10/06/05 - 20050222928 - Systems and methods for investigation of financial reporting information
Financial data including general ledger balances and underlying journal entries are examined to determine whether risks of material misstatement due to fraudulent financial reporting can be identified. The financial data is analyzed statistically and modeled over time, comparing actual data values with predicted data values to identify anomalies in the ...

10/06/05 - 20050222927 - Method of guarantying a minimum cash flow for a business entity that holds a facility that converts one commodity to another commodity and related system
A method of guarantying a minimum cash flow for a business entity that holds at least one facility that converts a first commodity to a second commodity is disclosed. According to various embodiments, the method includes establishing a contract between the business entity and an option grantor. The contract obligates ...

10/06/05 - 20050222926 - System, method and computer product for optimal pricing of a financial product
System, method and computer program product for optimal pricing of financial products. Data related to the financial product is extracted from at least one data source. A structured data file is generated from the data. The structured data file comprises a plurality of attributes and a plurality of price parameters ...

10/06/05 - 20050222925 - Display device and funds transaction device including the display device
A display device is disclosed which may be used in a mobile telephone or other article which is intended to make secure transactions such as financial transactions, as well as other personal transactions such as telephone calls. The device includes a display (24) for displaying information, a financial transaction controller ...

10/06/05 - 20050222924 - Insurance contract accounting system
An insurance contract management device 2 of the insurance company is connected to a terminal unit 3 of an insurance agent through a network 4, so that upon reception of agent authentication information from the terminal unit 3, the management device forwards to the terminal unit 3 an insurance application ...

09/29/05 - 20050216389 - Online accounting system and method
An online accounting system for use over the Internet sets up an account and a user, and assigns an account number and a user name with corresponding passwords. The account a number of account items. Rights for operating some or all of the account items are assigned to the user, ...

09/29/05 - 20050216388 - Tracking account structure to support different leverage levels within an investment fund
A method of supporting at least two different investor groups with different maximum leverage ratios in one investment fund is disclosed. Each different investor group may have an associated tracking account. According to various embodiments, the method includes establishing contractual arrangements between investors of the investor groups, the investment fund ...

09/29/05 - 20050216387 - Transaction structure for issuing inflation-linked securities
Transaction structures for issuing inflation-linked securities are disclosed. According to various embodiments, the transaction structure includes an entity purchasing fixed income securities issued by an issuer. The fixed income securities may have been previously issued by the issuer as part of a single, previous offering by the issuer or they ...

09/29/05 - 20050216386 - Flexible catastrophe bond
Methods and apparatus, including computer program products, for securitizing natural catastrophe risk. One or more risk classes representing natural catastrophe risks is are established, and a first collection of risk instruments of a first risk class of the one or more risk classes is issued. Each risk class is recurringly ...

09/29/05 - 20050216385 - Method, system, and computer useable medium to determine remaining financial obligations of assets
A method, system, and/or computer useable medium to determine remaining financial obligations of assets. ASSET FINANCIAL RESTRUCTURING software is executed to determine the remaining financial obligations of leased assets and the book value of financed or depreciated assets utilizing data from primary data, data from stored data, and manually input ...

09/29/05 - 20050216384 - System, method, and computer program for creating and valuing financial instruments linked to real estate indices
A system, method and computer program for creating and valuing financial instruments (including but not limited to futures, forwards, call options, put options, swaps, “swaptions”, and “op-swaps”) linked to published real estate indices. The present invention will be referred to in this application as a real estate index linked financial ...

09/22/05 - 20050209946 - Future valve analytics
A method for assessing the performance of a company is provided. The method may include receiving financial data about the company and determining a future value of the company. Next, the future value is decomposed into a plurality of future value components, where the plurality of future value components includes ...

09/22/05 - 20050209945 - Mapping total return to shareholder
Software encoded on a computer-readable medium when executed performs a method for assessing the performance of a company. The method includes receiving financial data about the company; calculating a Total Economic Profit (TEP) value based in part on the financial data, the TEP value including a current value component and ...

09/22/05 - 20050209944 - Total return to shareholders target setting
A computer-implemented method for setting targets of predicted growth of financial metrics of a company is provided. The method may include displaying a template of historical and predicted financial performance measures, receiving inputs of predicted financial targets such as earnings growth and shareholder return, and calculating the predicted future value ...

09/22/05 - 20050209943 - Enhanced business reporting methodology
Software encoded on a computer-readable medium when executed performs a method for assessing the performance of a company. The method includes receiving financial data about the company; calculating a Total Economic Profit (TEP) value based in part on the financial data, the TEP value including a current value component and ...

09/22/05 - 20050209942 - Future value drivers
A computer-implemented method for analyzing corporate investments to measure the performance of a company is provided. The method may include: receiving financial data, the financial data including a plurality of operating investments of the company and a Future Value (FV) of the company; determining with a data processor a plurality ...

09/22/05 - 20050209941 - Method and system to link demand planning systems with quotation systems
In one embodiment, there is disclosed a computer-implemented method for linking a semiconductor product manufacturing facility demand planning system with a quotation system, the method including updating the quotation system including at least a first raw material product and its quote amount; storing the quote amount associated with the first ...

09/22/05 - 20050209940 - Finanical instrument portfolio credit exposure evaluation
The present invention relates to a method for use in the evaluation of the credit exposure of a portfolio of financial instruments. ...

09/15/05 - 20050203820 - Financial transaction modeling system
Systems and methods are provided to model financial transactions. According to some embodiments, simple events, branch events, composite events, and/or contingent events associated with a financial transaction are defined. The events may then be used to automatically manage the transaction during the transaction's lifecycle. ...

09/15/05 - 20050203819 - Method and apparatus for generating page-level security in a computer generated report
Methods and computer program products are disclosed for generating and viewing an electronic report having security features that allow for “virtual bursting” of the report for multiple users. A single report having multiple pages is generated such that each or some of the pages have security tags that are compared ...

09/15/05 - 20050203818 - System and method for creating tradeable financial units
An article suitable for trade as a unit in a financial offering by a company, representing in a predetermined ratio both equity and debt, while providing direct ownership of the equity and debt. The debt is interest bearing at a particular rate until a particular maturity date. An article suitable ...

09/08/05 - 20050197945 - Optical banking card
Methods are provided for executing a banking transaction for a customer. Account information is read from an optical banking card for a banking account associated with the optical banking card. The account information includes a current balance for the banking account. A request is received from the customer to execute ...

09/08/05 - 20050197944 - Separate trading of registered interest and principal of securities system, method and computer program product
A method and apparatus for investing is set forth. Taking the present value of a future liability as the starting point, interest bearing securities or derivatives may be purchased that may have a duration less than that of the future liability, but are purchased in sufficient multiples of so that ...

09/08/05 - 20050197943 - Risk reduction associated with art dealers and dealers in other commodities
A partnership between financial investors and dealers helps mitigate the risk associated with investing in commodities, such as emerging art, while allowing the dealers in the works of art to participate in the future appreciation of the artworks they sell. Investors invest money in a fund in exchange for financial ...

09/08/05 - 20050197942 - Computerized valuation platform
A computerized valuation platform. The computerized valuation platform can include a formula generator, a data acquisition mechanism, a valuation engine, and/or an information-presentation interface. The formula generator can be configured to publish one or more portable formula modules, wherein each portable formula module defines a valuation formula. The data acquisition ...

09/08/05 - 20050197941 - Method and system for price planning
A price planning workbench includes an automated pricing engine, a manual pricing engine, and a user interface. The user interface is configured to receive price planning information from one of the automated pricing engine and the manual pricing engine to generate a price planning schedule. The automated pricing engine may ...

09/08/05 - 20050197940 - System for generating and controlling transactions relating to financial instruments
A computer system that generates and provides real time information that relates to the value of a financial instrument. The financial institute being based on a forward sale agreement and an associated stable value wrap agreement that is linked to the initial value of assets associated with the forward sale ...

09/08/05 - 20050197939 - System and method for offering intraday wagering in a financial market environment
A method for providing a wager in a financial market environment is provided that includes presenting an opportunity to make a wager that is based on a moving market line associated with a financial market. An end user is given an opportunity to bet on whether a financial market value ...

09/08/05 - 20050197938 - System and method for determining odds for wagering in a financial market environment
A method for providing a wager in a financial market environment is provided that includes presenting an opportunity to make a wager that is based on a moving market line associated with a financial market. An end user is given an opportunity to bet on whether a financial market value ...

09/08/05 - 20050197937 - Capital allocation and risk management
In an approach to financial management, a data representation is formed that defines a number of data elements and relationships between the data elements according to one or more regulatory requirements. Data characterizing availability of particular ones of the data elements for a financial institution are accepted, and actual or ...

09/08/05 - 20050197936 - Monte carlo grid scheduling algorithm selection optimization
A method for utilizing the Monte Carlo method to determine the most efficient arrangement of schedulers for a grid using a Scheduler Optimization Program (SOP). The SOP obtains the schedulers and scheduler timetable from memory and randomly selects a time period and scheduler to analyze. The SOP then uses the ...

09/08/05 - 20050197935 - Wireless networking cash register
A wireless networking cash register comprises a cash register, a wireless networking HUB, a code generator and a charge counter; the cash register has therein an electric circuit board electrically connecting with the code generator and the charge counter, and has externally thereof a display, a printer and an inputting ...

09/08/05 - 20050197934 - Method and system for supplementing directors' and officers' insurance
A first trust sells a credit derivative to a second trust, and in this way provides for funding of the second trust and thus provides bankruptcy protection to the second trust. The first trust sells notes linked to the credit of a sponsor. With the proceeds the first trust purchases ...

09/08/05 - 20050197933 - System and method for processing asset information from multiple sources and distributing in asset information in digital format for insurance and financial coverage
A system for processing asset information received from multiple sources, and distributing asset information in digital format for use by the insurance and financial institutions. The asset processing system includes the acquisition and processing of asset data received from video, digital images, scanned images, audio files, agency management systems, asset ...

09/01/05 - 20050192884 - Credit card chargeback inquiry handling system and method
The present invention provides a system and method for retrieving a copy of an original receipt by merchants to avoid chargebacks on legitimate sales. In a preferred embodiment, a receipt is printed that contains machine-readable information, such as bar codes or other suitable machine-readable information. The receipt is scanned to ...

09/01/05 - 20050192883 - Promotional event tracking system
This invention relates to the methods of coordinating and tracking product and service demonstrations. An event coordinator directs event operators to conduct a product or service demonstration event. The event coordinator provides event operators with cards, such as debit cards, credit cards, or smart cards, to purchase items needed for ...

09/01/05 - 20050192882 - Method and system for structured finance using deferrable preferred securities
The invention provides a system and method for structured finance wherein a company forms an entity Sub and capitalizes it with equity. The Sub purchases perpetual preferred shares that are issued by the company. The Sub issues notes which are purchased by investors. The company provides a financial guarantee of ...

09/01/05 - 20050192881 - Computer-based transaction system and computer implemented method for transacting services between a service provider and a client
A computer-based transaction system operated by a service provider includes a stored set of business rules for defining a treaty, a stored set of treaty clauses, and a stored set of service-specific rules. The transaction system is configured to receive and store business-initiating data from a client via a telecommunications ...

09/01/05 - 20050192880 - Data transmission system and method
A transmission system for performing electronic business transactions and the like that simply assures the transmission order to another party as necessary, while performing distributed processing of messages received from a party. After receiving a message the system identifies the transmission source of the message. It acquires control information for ...

09/01/05 - 20050192879 - Collaborative shared services business system, business processes and method thereof
An embodiment of the present invention is a business process shared services system and method for improving business operations by collaboratively managing operational support services, functions and/or resources. This is accomplished by employing a collaborative shared services business system strategy containing some of the key business model advantages of shared ...

08/25/05 - 20050187843 - Tokenless biometric electronic financial transactions via a third party identicator
The invention provides 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 least one payor bid biometric sample. In a payor registration step, the payor registers with an electronic third party identicator at least ...

08/25/05 - 20050187842 - System for transaction processing
According to one embodiment of the invention, an architecture is provided for a data processing system that processes data for a service provider itself or a client of a service provider as in the case of a third party processor. The elements of the architecture can be managed separately. For ...

08/25/05 - 20050187841 - System for maintaining account and product data
According to one embodiment of the invention, an architecture is provided for a data processing system that processes data for a service provider itself or a client of a service provider as in the case of a third party processor. The elements of the architecture can be managed separately. For ...

08/25/05 - 20050187840 - System and process for providing multiple income start dates for annuities
The present invention provides a method for providing an annuity structure and a system for processing an annuity structure. The annuity structure may include a base portion segment, where the base portion segment is a functional annuity having a first annuity schedule; and a secondary portion segment, where the secondary ...

08/18/05 - 20050182703 - System and method for semi-additive aggregation
A simple interface may be provided that enables the user to define parameters for aggregation of a semi-additive measure. The interface may enable the user to designate a measure as a semi-additive measure and to pair the measure with an additive aggregation function. The interface may also enable the user ...

08/18/05 - 20050182702 - Systems and methods for implementing an interest-bearing instrument
Systems and methods are provided that allow a financial instrument to be structured so that the underlying borrowed principal is callable, putable, or both. In a preferred embodiment, a Range Accrual Mortgage is structured so that the underlying borrowed principal is a mortgage that is callable, putable, or both by ...

08/11/05 - 20050177485 - Method for rapid and accurate pricing of options and other derivatives
A method and computer program product are described that allow accurate and extremely fast pricing of financial derivatives, such as options or futures. The method and computer program have accuracy and speed advantages over Monte-Carlo simulations. Other applications of the method include valuations of mortgage-backed securities, exchange rates, and insurance ...

08/11/05 - 20050177484 - Audio-equipped transaction card systems and approaches
Approaches for using and implementing transactions involving audio-equipped transaction cards reduce both data-management efforts and costs. In addition, certain applications further facilitate loyalty to the business entity that issues the audio-equipped transaction cards by, e.g., facilitating transactions with the card-issuing entity and/or selected business partners. One example embodiment is directed ...

08/11/05 - 20050177483 - Negotiation and fulfillment of insurance conditions and release of goods for export
The present invention relates to systems and methods to support import-export transactions. More particularly, it includes methods and systems for negotiating insurance conditions, for advising or determining that the insurance conditions have been met and for electronically initiated release of goods or filing a claim. It further may include methods ...

08/11/05 - 20050177482 - Method and system for optimal data diagnosis
In the method and system for automated data diagnosis, a relational data base is formed of attributes characterizing an entity. The framework computes optimal diagnosis for a diagnostic inference problem which separates the desirable attributes from the undesirable attributes. The user of the system is permitted to specify certain parameters ...

08/04/05 - 20050171881 - Financial data analysis tool
A method and system allowing a user to interrogate external financial data quickly and efficiently and to drill up or drill down and across multiple graphical displays (“maps”) of information. Maps offer multiple dimensional filtration functionality enabling a comparison between different investment strategies. External financial data is received and calculations ...

08/04/05 - 20050171880 - System and method for assigning credit to process inputs
Various embodiments of the invention are directed to methods and systems for assigning credit to the external and intermediate inputs of an enterprise-level system or other aggregate process with one or more global outputs that is composed of a number of interconnected local processes. Assigning credit is a mechanism for ...

08/04/05 - 20050171879 - Interactive counter service system for banks and similar finance organizations
An interactive counter service system for banks and similar finance organizations mainly includes a touch-screen module, a counter-terminal module, and network communicating equipment. The touch-screen module is mounted at counters of the banks to serve as an interface via which a customer may select one or more desired transactions provided ...

08/04/05 - 20050171878 - Dynamic pari-mutuel market
The present invention provides a method of speculating on a future event or the value of an asset in a market. The speculating may take the form of trading, hedging or wagering. A plurality of speculations on the outcome of the future event is received. For each one of the ...

08/04/05 - 20050171877 - Method of making capital investment decisions concerning locations for business operations and/or facilities
The present invention relates to methods for facilitating capital investment decisions and transactions concerning development, expansion, consolidation, location, relocation, merger, acquisition, and/or disposition of business operations and/or facilities using computer interface inquiries. The inventive method allows a user to select and compare business locations based on demographic and/or economic criteria ...

07/28/05 - 20050165667 - System and method for customer video authentication to prevent identity theft
A system for pre-authenticating a magnetic stripped card or smart card holder for a non-checking account transaction at the point-of-sale that includes a database that contains sensitive data, corresponding to digital photographic images of said account holders that employs a pre-authentication process whereby all account holders undergo a meticulous comparison ...

07/21/05 - 20050160023 - Systems and methods for consumers to purchase products
A service provider system is provided and offers products for sale through the service provider system directly, and also through associated merchants that are authorized to be associated with the service provider system. Members are enrolled in the service provider system. Points are awarded to members for purchases of products ...

07/21/05 - 20050160022 - Method and system for coordinating the purchase, management, and exchange of jointly owned property
The present invention features a computer-assisted method for finding or locating real property and for coordinating and administering the purchase, management, and exchange of such property within an identified community of participants. The system and business method is a combination of incentivizing real estate agent marketing support, the proprietary development ...

07/21/05 - 20050160021 - Real-time price studies
An improved method and system for computerized trading of securities in which order preferences for securities are entered by a user and are stored on a computer system for future use as default values in response to the user placing an order. The time that it takes to complete an ...

07/21/05 - 20050160020 - System and method for trading a financial instrument indexed to entertainment revenue
A method for trading a securities bundle indexed to entertainment revenue includes identifying a securities bundle comprising a first and second security. The first security is associated with a first entertainment event and the second security is associated with a second entertainment event. The first security is offered in an ...

07/21/05 - 20050160019 - System and method for renegotiating a financial instrument
A method for renegotiating a financial instrument includes the steps of initiating a logical session between a client program and a client interface affiliated with a financial institution, displaying financial information relating to a client on the client interface, displaying a message on the client program that a financial instrument ...

07/21/05 - 20050160018 - Method for supplying cd insurance clauses
Disclose herein is a method for supplying CD insurance clauses, which provides the CD-stores insurance clause, in which a corresponding insurance clause and an insurance clause previously made are stored in a CD, provided to an insured party at the time of making a contract. The method includes the steps ...

07/14/05 - 20050154665 - Fraud prevention system
A fraud prevention system for notifying subscribers of the system, which may be financial institutions; such as banks, brokerage houses, and credit unions; law enforcement agencies; retail stores; and others, of the occurrence of a fraudulent act so that the unaffected subscribers may take appropriate action to prevent the same ...

07/14/05 - 20050154664 - Credit and financial information and management system
Methods and apparatuses relating to the provision of credit and financial services. In one embodiment, the present invention provides-user authentication protocols facilitating the electronic delivery of credit reports over a computer network directly to users. According to one embodiment of the invention, a credit report comprises a particular user's credit ...

07/14/05 - 20050154663 - System and method for card processing with automated payment of club, merchant, and service provider fees
An apparatus and methods for a card that allows a cardholder to set up auto-charge payment of dues and fees to a series of clubs, merchants or service providers. The card also may be used for other transactions that accept credit cards. The apparatus includes a database containing information of ...

07/14/05 - 20050154662 - Asset allocation, rebalancing, and investment management system
A computer implemented or enabled method for providing advisors and/or investment management firms with an asset allocation model manager for advising individual investors. This method enables investment management firms to globally define allocation model sets for use firm-wide by their advisors. It may also provide advisors with a customization process ...

07/14/05 - 20050154661 - Application of general instruments in a csd
The invention relates to a CSD-system and a method for use in a CSD-system for carrying out corporate actions in financial instruments, comprising four functional basic building blocks based on at least one of which all financial instruments in the CSD-system are defined, said basic building blocks being a first ...

07/14/05 - 20050154660 - Cash-settled commodity futures contracts
A futures contract in accordance with the principles of the present invention is a cash-settled correspondent to a physical delivery commodity futures contract that mirrors a physical delivery mechanism utilized to settle the corresponding physical-delivery commodity futures contract. A futures contract of the present invention references a basket of deliverable-grade ...

07/14/05 - 20050154659 - Unique versatile executor engine which can interpret and execute transaction structures and information views to build information systems
This invention is concerned with building information system for enterprises. It has a unique versatile executor engine, which can interpret and execute transaction structures and information views. The information system thus built can grow along with the needs of the enterprise. The novelty lies in the new methodology that has ...

07/14/05 - 20050154658 - System and method for automatic investment planning
A computerized scheme automates investment planning for a client. In the scheme, data regarding the client's desired asset allocation, current asset portfolio and preferred domain are input into a computer or processor. This data are used to automatically generate financial transaction recommendations for modifying the client's current asset ...

07/07/05 - 20050149421 - Collateralized variable rate demand notes as a leverage supplement
A financial process and method of leveraging certain financing instruments is disclosed that includes a deployment of the CVRDN financial instrument specifically within the venture capital and investment banking market sector. A CVRDN Series is issued in such a way as to create leveraged returns. The CVRDN Series enables increased ...

07/07/05 - 20050149420 - method for valuing intellectual property
A computer based system and method for calculating the value of a license for an intellectual property asset between a licensor and a licensee based on the licensor and licensee investment in the license, as well as the predicted increase in product value due to the change in competitive advantage ...

07/07/05 - 20050149419 - System and method of creating an adjustable commission
A method of determining a commission comprises providing a plurality of selectable variables. The plurality of variables are associated with an asset. A commission associated with a sale of the asset based at least partially on a selection of at least one variable from the plurality of variables is calculated. ...

07/07/05 - 20050149418 - Methods and systems for providing customer relations information
Methods and systems for providing information to a mortgage recipient or other customer of a financial institution. A system identifies potential customer inquiries and provides a list of scripts responsive to the potential customer inquiries. If none of the scripts address the customer's inquiry, the customer specifies the inquiry and ...

07/07/05 - 20050149417 - Method for providing integrated financing services
An integrated financing services method provides a leasing service for vendors accessible through the Internet, embedding financing into the checkout process using several Web services. The present service is accessed by a vendor to provide leasing prices on a line item by line item basis within an electronic shopping catalog. ...

06/30/05 - 20050144105 - Methods and systems for adjusting account terms based on purchase transaction information
Systems and methods are disclosed for providing a financial account. The disclosed systems and methods may include providing a financial account offer to a customer. The disclosed systems and methods may also include receiving an acceptance of the offer, providing the financial account, setting an account variable equal to a ...

06/30/05 - 20050144104 - Unsteadiness compensation in valuation systems and methods
There is provided a data processing system and method for valuing a bundle of constructs that may individually fail, in case of a separation event causing the bundle of constructs to separate a failing construct from the bundle. A present value determination unit applies a predefined model to determine a ...

06/30/05 - 20050144103 - Computer-aided process for real purchasing power financial product
A computer-aided method of (and apparatus) funding, the method including the steps of: specifying a private constant dollar instrument in at least one of a plurality of tiers, said specifying including determining funding for one of the tiers to fund an other of the tiers; and associating the tiers in ...

06/30/05 - 20050144102 - Market visualisation tool
There is disclosed a visual display comprising: a plurality of value indicators, indicating values for a plurality of market measures, said plurality of value indicators extending over a plurality of markets; at least one user settable limit value, representing a limit value of a said market indicator; wherein said display ...

06/30/05 - 20050144101 - System for reducing information required to open a new account
An existing customer of a financial institution may open a new account with their financial institution using an optimized online interface. Initially, the interface presents a standard application for a new account in which an extensive number of fields for personal and financial information must be completed. A link is ...

06/30/05 - 20050144100 - Payment systems and methods for earning incentives using at least two financial instruments
Systems and methods for having a first party pay a second party by incurring a first debt on a loan instrument which earns the first party an incentive. The first debt is then paid off by the first party from a second financial instrument before costs (particularly interest charges) are ...

06/30/05 - 20050144099 - Threshold billing
The present invention involves a system and method that facilitate a purchasing experience in part by consolidating any number of purchases and their respective charge amounts until the purchases or charge amounts reach a threshold level. The threshold level can be based in part on resources used (consumed or purchased) ...

06/30/05 - 20050144098 - Methods and systems for fund raising
Various embodiments of the invention provide methods and systems for raising funds for organizations, and in particular cases, non-profit organizations. Merely by way of example, one set of embodiments provides, in a relationship between a product provider and a non-profit organization, a method of providing funding for the non-profit organization. ...

06/23/05 - 20050137952 - Overseas remittance system and overseas remittance service server
When a terminal that can be connected to the Internet directs an overseas remittance unit to remit funds from an account of a financial institution to an account of an overseas financial institution, the overseas remittance unit first, based on this remittance instruction, requests a funds withdrawal unit to withdraw ...

06/23/05 - 20050137951 - Systems and methods for accessing reconcilement information
Systems and methods are disclosed for assisting a check-cashing entity to efficiently and accurately locate relevant positive pay information or other reconcilement information regarding a check or other negotiable instrument that has been presented to a check-cashing entity in association with a request to cash, deposit, use as payment or ...

06/23/05 - 20050137950 - Method and apparatus for a value framework and return on investment model
A method and system for calculating the return-on-investments (ROI) for an enterprise architecture. The present invention discloses a unique set of metrics which provides improved accuracy for the economic and architecture for the construction of future systems. A preferred embodiment of the present invention focuses on developing process improvement assumptions ...

06/23/05 - 20050137949 - Automatic, characterized and prioritized transactions to credit card accounts from one credit card account, method and computer software
This paper describes a system and a computer software invention for automatic characterized and prioritized credit cards transactions and charge system. Typical credit cards accounts are categorized by their characters. These characters are offered by the credit cards corporations to its customers and include best interest rates, membership fees, cash ...

06/16/05 - 20050131792 - Financial transaction system with integrated, automatic reward detection
A financial transaction system includes point of sale terminals having associated radio frequency tag or transponder detectors. The radio frequency transponder detectors are configured to read reward account code or information provided by a transponder. The system utilizes the reward or account code or information to generate discounts or awards ...

06/16/05 - 20050131791 - Cost option based real options investment valuation
A method and system for determining investment value adds data representative of real options value of forecast revenues to data representative of net present value, and subtracts data representative of real options value of cost forecasts. ...

06/16/05 - 20050131790 - Method and system for artificial neural networks to predict price movements in the financial markets
The present invention relates to methods and systems for devising and implementing automated artificial neural networks to predict market performance and direction movements of the U.S. Treasury market, mortgage option-adjusted spreads (OAS), interest rate swap spreads, and U.S. Dollar/Mexican Peso exchange rate. The methods and systems of the present invention ...

06/16/05 - 20050131789 - Method and system for offering short term derivative instruments
Described herein are methods and systems for providing a new type of financial instrument which offers a well-defined return after a set, very short time period. The instrument is in the form of a derivative or option and its return is based on the change in value of one or ...

06/16/05 - 20050131788 - Verdonik method and system for sharing ventures investments
A method of investing provides investment returns to investors and affiliated persons who invest in a company or affiliate thereof. All or part of the investment return is derived from the value vendors receive in transactions with the company (issuer) and its affiliates. Cash, securities or other assets are provided ...

06/16/05 - 20050131787 - System and method for trading of mortgage backed securities
The present invention provides a system and method for trading mortgage-backed securities (“MBS”). A system for trading includes a plurality of workstations interconnected by a server. The workstations receive data representing inventories of their MBS pools, which in turn are delivered to the server. The server, in turn, is operable ...

06/16/05 - 20050131786 - Risk shifting for financing intellectual property litigation
A method for risk shifting in intellectual property litigation is described. ...

06/16/05 - 20050131785 - Method and apparatus for management, financing and supply in an integrated supply chain system
A method and apparatus for providing trade financing to inventory suppliers (210), manufacturers (230), or both, on the basis of a zero inventory model. The method and apparatus involves the generation of a security on the basis of inventory ownership combined with either or both of a purchase guarantee from ...

06/16/05 - 20050131784 - Audit system and method
The invention provides a system and method for reducing and potentially eliminating the review of source documents by auditors to determine whether there is compliance of an audited subject area with a predetermined set of rules. The inventive system and method provides one or more questions directed to personnel that ...

06/09/05 - 20050125325 - Efficient aggregate summary views of massive numbers of items in highly concurrent update environments
A method and system improves efficiency of highly concurrent aggregate summaries updates by delaying the updates to as late as possible in the transaction, while maintaining an accurate in-progress aggregate summary for use by transaction in progress. The system uses a temporary table to store updates to aggregate summaries and ...

06/09/05 - 20050125324 - Method for evaluating a business using experiential data
A method for evaluating and quantifying the risk, performance and potential of a business is disclosed. Experiential data generated by the business' activities is extracted and used as source data in evaluating the business. Experiential data includes both qualitative and quantitative information compiled from operating systems, databases, interviews, paper-based files ...

06/09/05 - 20050125323 - Method of distribution and management of fractional interests in a property or security
A method for managing the assets of holders of portions of the rights in shares of a property is accomplished by steps of acquiring shares of ownership in a property or a security of a business enterprise. The fractional rights are acquired by an administrator of the fractional rights and ...

06/09/05 - 20050125322 - System, method and computer product to detect behavioral patterns related to the financial health of a business entity
System, method and computer product to detect behavioral patterns related to the financial health of a business entity. In this invention, financial data and business data that relate to the business entity is extracted from various data sources. The financial data comprises quantitative financial data and/or qualitative financial data. The ...

06/09/05 - 20050125321 - System and method for authorizing third-party transactions for an account at a financial institution on behalf of the account holder
System and method for authorizing third-party transactions for an account at a financial institution on behalf of the account holder. A financial institution can collect process, transmit and confirm authorizations to third parties for electronic payments and direct deposits on behalf of its account-holder customer. In at least some embodiments, ...

06/02/05 - 20050119958 - Method for investing working capital
A method of doing business comprises receiving an investment contract offer from a corporate investor specifying a principal amount and a maturation term. The investment contract offer is communicated to a plurality of securities dealers, each of whom may communicate an acceptance of the offer by providing an identification of ...

06/02/05 - 20050119957 - Method and apparatus for prioritizing a listing of information providers
A method and apparatus for prioritizing a listing of information providers according to a fee value and availability status indicated for the information providers, and providing a set of one or more information provider identifiers that satisfy a request for a type of information provider that has been received from ...

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