Abstract: This invention provides system and methods for managing accounts of clients at customer financial entities so that deposits of up to $100,000 or greater are insured, so that interest income earned on a portion of all of the account balances may be flexibly allocated according to customer instructions, and so that withdrawals are not limited. These objects are satisfied by holding client funds at interest-earning money market deposit accounts at one or more banks of savings institutions. More particularly, this invention provides methods for receiving client transaction information, determining a net transfer of funds into or out of each client account from transaction information, causing transfer of funds from the insured, interest-bearing deposit accounts to match the net transfer of funds into or out of each client account, and allocating interest earned by the deposit accounts to clients according to customer instructions.

Abstract: A method, system and program product, the method comprising: accessing one or more databases comprising: aggregated deposit account information for a plurality of government-backed insured and interest-bearing aggregated deposit accounts held in a plurality of deposit institutions, and client information; determining at least one aggregated deposit account to which to deposit/transfer or to withdraw/transfer funds based at least in part on one or more selection rules; obtaining transfer data; allocating funds to one or more of the aggregated deposit accounts based on the transfer data and on one or more allocation rules; allocating fund amounts of client accounts to substantially match the respective amounts allocated; generating and communicating data for one or more instructions to transfer funds based at least in part on one or more of the allocating steps; and updating the one or more databases.

Abstract: A trading platform computer system for detecting an abnormal trading condition of a security uses real-time and estimated values of one or more variables associated with the condition of the security to generate one or more analytic metrics that are compared to empirical distributions based on one or more peer groups for the security. An indicator can then be displayed to a trader as an indication of the abnormal condition.

Abstract: A method and system for creating a stock index for a group of investment management companies is disclosed. The method may include obtaining first trade information for each security representative of the group of investment management companies during a first time period, aggregating the first trade information for a predetermined time period, storing the aggregated first trade information, calculating from the aggregated first trade information an index for the group of investment management companies, determining a standardized measure of the index based on the aggregated first trade information obtained in the first time period, and periodically recalculating the index based on second trade information for each security representative of the group of investment management companies during a second time period.

Abstract: A method and system for minimizing fund transfers to and/or from a plurality of government-backed, interest-bearing aggregated deposit accounts.

Abstract: A loan opportunity system is configured to analyze loan data and/or population data in order to determine loan opportunities for a lender, such as a credit union. In one embodiment a lender is initially provided with one or more estimated loan opportunity indicators, such as indicators of quantities of loans in a specific geographic region for which the lender can likely offer lower rates. Subsequently, upon completion of a payment agreement with a loan opportunity provider, for example, and establishment of loan parameters associated with borrowers (and their existing loans) to which the lender would like to make firm offers of credit, the lender is provided with a loan opportunity list indicating details of borrowers and their respective loans for which the particular lender can likely offer lower rates.

Abstract: The invention includes a system and process that employs contractual bargaining with agent-based computational methods for the dynamic allocation, optimization, and pricing of contingent rights and obligations between multiple counterparties with overlapping interests. The processes employ a dynamic and endogenous hierarchy or tiering of binding incentive compatible contingent strategies, which may include optimal liquidation policies for matched assets and liabilities based upon stochastic volume/price schedule related to statistically non-stationary supply/demand elasticities and order-flow, as well as variations in market microstructure. The invention includes a dynamic open system with distributed stochastic control of strategic interactions among dynamic optimizing agents across random states, wherein the actions of any one affects the joint costs and benefits for all the agents.

Abstract: A liquidity analysis system and method are disclosed for monitoring, analyzing and reporting on liquidity generated in a market or in a market center. The reports generated by the liquidity engine may be used for many differing purposes, including analyzing the effectiveness of market makers, the proportionate re-distribution of market data fees or as the basis for a liquidity generation financial incentive program.

Abstract: A method of leasing a gaming machine is provided that includes determining a monetary average machine net win in monetary units per gaming machine per unit of time for a group of existing gaming machines, receiving the leased gaming machine, and determining a monetary payment amount for the leased gaming machine for a second time period based on the average machine net win, the monetary payment amount equaling a percentage of a total coin-in amount wagered at a new leased gaming machine.

Abstract: A method of leasing a gaming machine is provided that includes determining a monetary average machine net win in monetary units per gaming machine per unit of time for a group of existing gaming machines, receiving the leased gaming machine, and determining a monetary payment amount for the leased gaming machine for a second time period based on the average machine net win, the monetary payment amount equaling corresponding to a flat fee amount.

Abstract: Networks, systems and methods that match orders for bundled financial instruments are disclosed. In one example, the bundled financial instrument includes packaged underlying financial instruments that together provide an economic equivalent exposure to a long-term investment vehicle. The bundled financial instrument may include any set of contracts considered a linear combination of a plurality of standardized contracts associated with an obligation to exchange an asset at a set price on a future date.

Abstract: A preferred embodiment of the invention provides an interface providing a model-driven projection of various order execution statistics based on the exact strategy (channel, algorithm, and parameters) that is selected by a user. In at least one embodiment, the interface is linked to at least order execution system and comprises an order execution display. In one embodiment, the invention comprises a computer system operable to display a graphical user interface comprising (a) a pre-trade analysis component for displaying market intelligence information regarding one or more specified securities; and (b) a strategy selection component for displaying order execution strategies for selection by a user and that comprises (i) an order execution component for routing a selected order execution strategy to an order execution system; (ii) an interface for enabling a user to specify trading strategies and strategy requirements; and (iii) a display for displaying projected order completion information.

Abstract: A system for managing trading orders comprises a memory operable to store a trader list that is associated with a first trader and that designates one or more other traders. The system further comprises a processor communicatively coupled to the memory and operable to receive a trading order from the first trader. The processor is further operable to transmit the trading order to a plurality of traders, wherein the plurality of traders does not comprise any of the one or more designated traders from the trader list. The processor is further operable to prevent the transmission of the trading order to the one or more designated traders.

Abstract: A system for cross-selling products and/or services across an enterprise comprising an enterprise-level decision engine and a plurality of line-of-business decision engines; wherein characteristics derived by the enterprise-level decision engine are used by the line-of business-level decision engines to generate cross-sell offer decisions; enterprise-level business rules and line-of-business-level business rules are managed independently of one another; a publish-subscribe message framework allows data to be published at an enterprise level and subscribed to by the line-of-business decision engines according to business rules established at the line-of-business level; the line-of-business decision engines generate cross-sell offer decisions; and the enterprise-level decision engine stores data to and retrieves data from an operational and an analytics data repository. A method of using the system described above to generate cross-sell offer decisions.

Abstract: A method for increasing the demand deposit asset base of a bank for fractional-reserve banking within the Federal Reserve System, with first and second demand deposit accounts captive at that bank, comprising: (a) receiving physical fractional currency at the bank and increasing the first account balance in an amount corresponding to the value of currency received; (b) encrypting in a “cre-bit” device the balance of the first account including the numeric value of currency received; (c) reflecting in a node device currency amounts concomitantly linked to the second account; (d) performing a commercial transaction without the use of physical functional currency for a specific amount such that the first account is simultaneously debited and the second account is credited the specific amount; (e) repeating step (a) then step (b) and/or repeating step (c); and (f) displaying the first account balance and “cre-bit” data on the “cre-bit” device.

Abstract: An exchange offer for securities where the exchange ratio is determined at or shortly after the end of the initial tender period. The exchange ratio can be determined based on a formula using trading data (and/or other variables) for the involved or other securities over a look-back period that covers the end or final portion of the tender period.

Abstract: A posting market center and process are disclosed for maintaining a market center-restricted order on a selected market center. The market center and process disclosed aggressively maintain a market center-restricted order that would normally lock or cross an away market by initially pricing the order a tick increment away from the contra side market best bid or offer and then dynamically re-pricing the order in increasing aggressiveness as the away market best bid or offer moves its quotes further away from the order's currently displayed price. The disclosed market center-restricted order stands its ground to an updated away market best bid or offer that moves to its price or through it.

Abstract: A method, program product and system for managing a group of aggregated accounts, each aggregated account held in a different one of a plurality of deposit institutions, each of the aggregated accounts associated with at least one financial entity and holding funds of a plurality of clients of the at least one financial entity, each of the clients having a client asset balance in a respective client account associated with the at least one financial entity, the method comprising: (1) allocating fund deposits to and fund withdrawals from the aggregated accounts, the step of allocating comprising: (a) calculating an aggregated transaction amount based on a total net transaction from among the plurality of the client accounts during a period of time; (b) selecting at least one aggregated account from among the group of aggregated accounts associated with the at least one of the financial entities in the different deposit institutions to which to deposit or to withdraw funds based, at least in part, on determinin

Abstract: A trading system for trading financial instruments, comprising a matching unit for matching received orders having corresponding requirements and an order book for storing unmatched orders is described. The trading system further comprises a decision unit/reinsertion unit connected to the order book for determining when matched orders are to be removed/reinserted based on confirmation of acceptance of the trade received from a user terminal.

Abstract: The present invention is a method for handling multiple aspects of the acquisition of vehicles, such as automobiles and trucks, in a unified and streamlined fashion. A system for acquisition of vehicles that integrates various product and service providers with retailers and consumers is presented from various aspects in order to realize efficiencies and opportunities that are impossible in the present mode of vehicle acquisition.