Abstract: A graphical user interface for displaying financial data that includes a root financial map that includes a root node, a contributor financial map graphically connected to the root node and that includes a least one contributor node, and an expenditure financial map graphically connected to the root node and that includes at least one expenditure node, wherein the root financial map conveys the financial data, wherein at least one selected from a group consisting of the contributor node and the expenditure node receives hypothetical data resulting from a user modifying the root financial map, and wherein the root financial map is updated based on the hypothetical data.

Abstract: A financial terms alert generation system comprises an information retrieval module, a financial terms comparison module, and an alert transmission module. The information retrieval module is configured to retrieve financing information, customer information, and product information from one or more sources accessible on a network. The financial terms comparison module is configured to compare a customer's current financial arrangement to a potential new financial arrangement to determine whether the customer is able to enter into a new financial arrangement on terms favorable to the customer. The alert transmission module is configured to transmit an alert to a dealer in cases in which the financial terms comparison module determines that a customer is able to enter into a new financial arrangement on terms favorable to the customer. Such alerts identify the customer and the favorable financial terms.

Abstract: To provide a billing system capable of simplifying user's operation and quickly performing a billing process even in the case where there exist a plurality of terminals for billing. A billing system 1 according to the present invention is a billing system for implementing billing by transmitting billing information transmitted from a billing information transmitting terminal 30 to a cellular phone 10, to a billing server 60 on a mobile communication network, in which a service code of a service for which a billing process is allowed is preliminarily stored in the cellular phone 10 and in which, when the billing information is transmitted from the billing information transmitting terminal 30, whether a service code included in the billing information is a service code for which the cellular phone 10 is allowed to perform the process is determined on the basis of whether it agrees with any service code preliminarily stored.

Abstract: An arrangement is provided for enabling online retail fixed income. A fixed income online retail enabling mechanism analyzes a request received from a user to determine the requested operation related to online retail fixed income. If the request is for visualizing information related to securities in one or more fixed income capital markets, visual representations are constructed using color codes and real value ratings converted from corresponding ratings issued from different sources and presented to the user. If the request is for managing account information, the fixed income online retail enabling mechanism facilitates the needs of managing accounts. If the request is related to conducting a transaction related to fixed income securities, the fixed income online retail enabling mechanism performs operations to trade securities in one or more fixed income capital markets.

Abstract: The present invention provides an apparatus and method of determining and displaying trading trends for one or more currency pairs wherein an opening value and a closing value for the one or more currency pairs for two or more time intervals is obtained. An opening value trend using a market trend indicator and the opening values for the investment is calculated, and a closing value trend using the market trend indicator and the closing values for the one or more currency pairs is calculated. A visual indicator comparing the opening value trend to the closing value trend for the one or more currency pairs is then displayed. This method may be incorporated into a computer program embodied in a computer readable medium using code segments to accomplish the method described above.

Abstract: The invention provides systems and methods for intra-day trading of actively managed exchange traded funds (AMETFs). The invention provides creation and redemption structures for AMETF shares that allow arbitrage, intra-day value estimations for AMETF shares, and hedging portfolios for hedging risks associated with trading AMETF shares, all without requiring disclosure of the specific assets underlying the AMETF.

Abstract: A system and method for managing a construction payment process. One method embodying the invention can include storing a plurality of workflows to control automatic electronic notification sequences of the construction payment process, electronically receiving information related to a construction project from a first participant, automatically electronically transmitting a first notification to a second participant in the construction project based on the information received from the first participant, electronically requesting a response from the second participant related to the first notification, electronically receiving a response from the second participant related to the first notification, automatically validating the response, and automatically electronically transmitting a second notification to a third participant included in the construction project based on the response received from the second participant.

Abstract: A system for and method of providing a forward contract with an upside return and the possibility of early valuation are presented. The prices of the underlying financial instruments are allowed to float to a limited extent. Moreover, the party taking the short position is allowed to cash out early, without having to unwind the entire contract. The contact may be used, for example, by a corporation that wishes to raise capital using equity instruments.

Abstract: A property investment management tool comprises user interface logic and an investment rating engine. The user interface logic is configured to provide a user interface accessible to a user and includes risk profile configuration interface logic configured to permit a user to define a plurality of different risk profiles for a plurality of different investments. The investment rating engine is coupled to the user interface logic and is configured to evaluate the plurality of different investments according to the plurality of different risk profiles.

Abstract: In general, in one aspect, parties associated with a merchant profile may be provided access to a system utilized to create merchant profiles. The system may accept data related to a merchant account from the parties and may validate the data. If any required information is missing or invalid the system may notify the parties. Once all the data is received and validated the system processes the data to create the merchant profile. The merchant profile may be stored in the system for the merchant. The merchant profile may be associated with a unique ID associated with a payment handler utilized by the merchant. The merchant or associated parties may utilize the unique ID to configure the payment handler including downloading processor software. The system may utilize the unique ID to manage and control use of the payment handlers and the processor applications.

Abstract: A process for creating a modeling portfolio to model an actively managed exchange traded fund portfolio. The modeling portfolio comprises a first portfolio of securities and a supplemental portfolio of securities. The modeling portfolio does not reveal the actively managed exchange traded fund portfolio.

Abstract: 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 prospecting, new applicant evaluation, and customer management across the lifecycle. A SOW score focusing on a consumer's spending capability can be used in the same manner as a credit bureau score.

Abstract: A graphical interface and method are provided for selectively displaying market information corresponding to a plurality of tradable objects. According to one example method, a scanning feature is provided in relation to a number of tradable object indicators. Upon detecting a predefined movement of a user input device in relation to the plurality of indicators, a graphical interface dynamically displays market information corresponding to the tradable objects as a predefined movement of the user input device is detected in relation to the tradable object indicators.

Abstract: A graphical user interface related to non-standard settlement trading in financial instruments is provided. The graphical user interface preferably includes a selectable portion of a display screen related to a financial instrument and a selectable tab for accessing a selectable portion of the display screen related to one or a plurality of non-standard settlement positions with respect to the financial instrument. In one embodiment of the invention, when the tab is selected, access is provided to the selectable portion of the display screen related to the plurality of non-standard settlement positions.

Abstract: This disclosure describes a child support payment and child support disbursement system, wherein an employee (who is a noncustodial parent who owes a child support obligation) authorizes a child support payment and child support disbursement to an employer and the employer processes the child support payment and child support disbursement through an accumulator agency. The accumulator agency processes the child support payment as a debit-based transaction and processes the child support disbursement as an addendum-based transaction. The payment may be made to the accumulator agency, to a state, or to any other entity. The disbursement may be made to a custodial parent, to a state, to a state entity, or to any other recipient.

Abstract: A method determines that a first relationship between a holder of a portable consumer device and a first employer is terminated. In response to determining that the first relationship is terminated, the method also disassociates account information of the portable consumer device from the first employer while retaining an association between the portable consumer device and an issuer of the portable consumer device. In addition, the method establishes a second relationship between the employee and a second employer and links the account information of the portable consumer device with the second employer.

Abstract: A system and method for funding a collective account such as a charitable account includes issuing a plurality of financial instruments, linking the financial instruments to the collective account, aggregating individual financial instrument usage, calculating a bonus or other reward based on the aggregate financial instrument usage and funding or distributing the reward to the collective account. According to the invention, members of a civic, charitable, political or other entity may generate collective rewards or other benefits which may be attributed to the designated organization.

Abstract: A supplemental financial transaction processing system operates with a primary system to provide financial transaction processing services to a client system which has established a secure session with the primary system. A secure web services system receives a transaction request identifying the primary system and: i) assigns a unique redirect URL to the transaction request, and ii) returns the unique redirect URL to the primary system. The primary system provides the unique redirect URL to the client system. The supplemental transaction server: i) provides a web document object to the client system; ii) receives a post of the financial transaction from the client system; and iii) performs at least one of: i) writing the financial transaction to a transaction database; or ii) forwarding the financial transaction to a processing system distinct from the supplemental transaction processing system.

Abstract: A payment system includes a transaction identification system to identify a plurality of purchase transactions, established utilizing one or more transaction systems that impose a plurality of corresponding payment obligations on a particular user. An interface generator generates an aggregation interface that presents the plurality of purchase transactions to the first user. The plurality of purchase transactions are presented in conjunction with a payment option to initiate an automatic payment process with respect to at least a subset of the purchase transactions. A payment engine initiates the automatic payment process with respect to the first subset of plurality of purchase transactions upon election by the first user of the payment option.

Abstract: A computer implemented data processing system and method for administering a deferred variable annuity contract during the accumulation phase for a relevant life. The annuity contract has a payment base value, a contract value, and a step-up provision. Administration of the product determines whether a step-up of the payment base value is applicable. If applicable, the product determines a step-up, wherein the step-up is guaranteed at a predetermined percentage. The investments of the deferred variable annuity contract are not limited to a specific asset allocation in order to qualify for the step-up provision.