Abstract: In one embodiment of the present invention, a method for financing acquisition of a vehicle is disclosed. The method comprises receiving a future interest in a vehicle in consideration for a future interest price upon transfer of a legal title in the vehicle in consideration for a legal title price.

Abstract: A retirement fund program managed by computer software requiring an initial fixed investment and producing an ever increasing revenue stream to a group of participant investors organized by life expectancy and grouped into an investment partnership. A financial portfolio is created from the monies invested by each investor and is used to manage high quality securities to generate income for the partnership. Periodically, the surviving members of the partnership are entitled to receive the revenue generated from the portfolio, which statistically will increase as fewer participant investors survive. The partnership can purchase term life insurance on each participant investor, so that the initial investment can be returned to the estate of a participant investor if the participant investor becomes deceased during the program. Upon termination of the program, all remaining assets will be distributed pro rata among the living participant investors of the investment partnership.

Abstract: A system and method for providing real time financial product matching is disclosed. In one embodiment, the real time financial product matching system may store one or more financial product data records. Each financial product data record may be associated with a financial product. The real time financial product matching system may receive a customer data record associated with a customer, the customer data record including a customer preference related to financial products. The real time financial product matching system may then match the customer with one or more financial products in real time by comparing the customer data record to the one or more financial product data records. And, the real time financial product matching system may present the matched one or more financial products to the customer in real time.

Abstract: Index-linked notes with periodic coupons subject to a triggering event, and accompanying methods, are described herein. In some instances, exemplary notes allow a purchaser to purchase a note and receive periodic coupons returned on the note as long as a triggering event does not occur. Assuming that the triggering event does not occur, the purchaser may receive these coupons until the note reaches maturity. Payment of the periodic coupons may cease, however, when a triggering event (e.g., the purchaser's death) does occur. In addition, the amount of the periodic coupons are tied in some manner to a financial index, such as the Bloomberg index, the S&P 500, or the like.

Abstract: Systems and methods are provided for evaluating financial information, including systems and methods with computational/evaluation capability to process data sets comprising financial data. In one of the implementations, the systems and methods may be utilized for asset accounting. A calculation module may be provided that includes an evaluation engine that operates internally on a flat, generic data structure that is independent of the particular application. The externally-defined data structure of the data set may be mapped onto the internal data structure. Further, rules-based modules may provide information related to the client-defined rules. A user interface may enable a user to receive back the evaluated financial information, for a specified time period, the financial information being responsive to an original user request entered via the user interface. As a result, the evaluation engine can be used for a variety of different applications.

Abstract: An automatic, web-based, integrated method and system for processing financial details of a real estate settlement or other similar transaction. The system incorporates modular functionality to avoid duplicate entry of data. The design philosophy is such that anticipated actions are entered into the system. Since the system knows what is expected, by monitoring actual transactions and comparing them to the anticipated transactions, real-time identification of exceptional situations is possible. This real time identification of a problem allows corrections to quickly be made to prevent financial losses, fines, or other penalties. The system is adapted to seamlessly interact with bank software and systems, for example, existing positive pay banking systems as well as with a user's financial or other similar application software. The system provides exception reports on a periodic (e.g., daily) basis to management and operations personnel.

Abstract: A retirement fund program managed by computer software requiring an initial fixed investment and producing an ever increasing revenue stream to a group of participant investors organized by life expectancy and grouped into an investment partnership. A financial portfolio is created from the monies invested by each investor and is used to manage high quality securities to generate income for the partnership. Periodically, the surviving members of the partnership are entitled to receive the revenue generated from the portfolio, which statistically will increase as fewer participant investors survive. The partnership can purchase term life insurance on each participant investor, so that the initial investment can be returned to the estate of a participant investor if the participant investor becomes deceased during the program. Upon termination of the program, all remaining assets will be distributed pro rata among the living participant investors of the investment partnership.

Abstract: A method for detecting click fraud. In one embodiment, the method includes the steps of: directing a user to an item but delaying the internal ratings update of the item; collecting data to build a model of the user; building the model of the user in response to the collected data; determining the trustworthiness of the user in response to the model of the user; and updating internal ratings of the item in response to the trustworthiness of the user. In various embodiments, the click fraud can be the inflation of advertisement clicks, the inflation of popularity or the inflation of reputation.

Abstract: An automated account management system provides a user with the ability to establish rules that dictate how the account management system is to manage the user's accounts. Once the user specifies a set of rules, the system automatically manages multiple accounts across multiple financial institutions in accordance with the user-defined rules. Other features, such as an on-line bill payment system, a money transfer system, and a retirement planning system, may be integrated within the automated account management system to provide the user with even greater control over his or her financial assets.

Abstract: Provided are methods, systems, and apparatuses for determining driver behavior based on vehicle operating parameters, adjusting insurance premiums accordingly, and preventing fraudulent manipulation of the methods, systems, and apparatuses.

Abstract: An automated account management system provides a user with the ability to establish rules that dictate how the account management system is to manage the user's accounts. Once the user specifies a set of rules, the system automatically manages multiple accounts across multiple financial institutions in accordance with the user-defined rules. Other features, such as an on-line bill payment system, a money transfer system, and a retirement planning system, may be integrated within the automated account management system to provide the user with even greater control over his or her financial assets.

Abstract: A computer-implemented method for processing an application for a mortgage loan, such that the mortgage loan is configured to include a set of financial lending requirements and further include certain financial lending risks associated with financing the mortgage loan. The steps of the method include receiving the mortgage loan application, processing the mortgage loan application through an electronic database, applying the set of financial lending requirements to the mortgage loan application, generating a listing of at least one eligible lender or loan product based on the application of the financial lending requirements to the mortgage loan application, and submitting the mortgage loan application to the eligible lender, the mortgage loan being configured such that the financial lending risks are configured to be absorbed by a secondary mortgage market investor.

Abstract: A system and method of managing tax-deferred retirement accounts may allow a plurality of participants to invest in a portfolio having a plurality of exchange traded funds (ETFs) according to an asset allocation model. The system and method may use at least one regular contribution to selectively buy at least one underweighted exchange traded fund to cause a participant's portfolio to more closely conform to the asset allocation model. The system and method may allow a plurality of participants to conduct calculations of estimated retirement savings based on a plurality of parameters.

Abstract: A system and method for on-line management of account information by customers of a provider of goods or services. A web server receives billing information from a telecommunications service provider in a standardized XML-format readily suitable for viewing by the customers. The system further includes a tiered storage system for maintaining invoices of the customers. Recent invoices are maintained in an upper tier of the storage system where they are accessible to customers over the Internet. As the invoices age, an archival and retrieval application periodically transfers the invoices to an intermediate tier where they may only be accessed by the archival and retrieval application using an index maintained in the upper tier. Account receivable information is also available on-line through the web site.

Abstract: In one embodiment of the present invention, a method for financing acquisition of a vehicle is disclosed. The method comprises receiving a future interest in a vehicle in consideration for a future interest price upon transfer of a legal title in the vehicle in consideration for a legal title price.

Abstract: A computerized mortgage loan data processing system comprises a loan cost analysis engine which compares data pertaining to loan pricing for a mortgage loan with loan pricing standards to evaluate whether the loan pricing is in compliance with the loan pricing standards. An interface is configured to provide an indication regarding whether the loan pricing is in compliance with the loan pricing standards prior to closing of the loan or prior to sale of the mortgage loan in the secondary mortgage market. The indication may be provided to a mortgage loan advisor or to a secondary mortgage market purchaser.

Abstract: An automated account management system provides a user with the ability to establish rules that dictate how the account management system is to manage the user's accounts. Once the user specifies a set of rules, the system automatically manages multiple accounts across multiple financial institutions in accordance with the user-defined rules. Other features, such as an on-line bill payment system, a money transfer system, and a retirement planning system, may be integrated within the automated account management system to provide the user with even greater control over his or her financial assets.

Abstract: A new computer-implemented method for determination of a financial index, namely, implied volatility for American options. The method involves the division of the period until option expiration into a series of sub-periods, and calculation of a node vega, the node vega being the exact derivative of the option price with respect to the volatility at the end of at least one of said subperiods.

Abstract: A method of providing a variable credit account to a consumer (12) is provided. The method includes the steps of: offering, by a credit issuer (14), a variable credit account to a consumer (12) by telephone, electronically, mail or at an in-store location; accepting, by the consumer (12), the offer; opening, by the credit issuer, the variable credit account (18) for the consumer (12), where the account includes an open-ended loan portion (22) and a close-ended loan portion (20). The method may further include the steps of initially activating the open-ended loan portion (22) when the initial offer is made electronically, by mail or at an in-store location; and initially activating a close-ended loan portion (20) of the account when the initial offer is made at any point-of-sale. A system and apparatus for providing a variable credit account to a consumer (12) is also discussed.

Abstract: Systems and methods are described that determine which offers for credit-based transactions (if any) to market to a person. Each offer is associated with a set of third party demographic information criteria, a set of lender demographic information criteria, and a set of lender credit data criteria. The set of third party demographic information criteria is applied to a set of offers to determine a first subset of offers. The set of lender demographic information criteria is applied to the first subset of offers to determine a second subset of offers. The set of lender credit data criteria is applied to the second subset of offers to determine a third subset of offers.