Abstract: An open-ended fund, such as an ETF, holds fixed-income securities and has a liquidation date. An order management system receives buy orders from a plurality of investors for purchasing shares of the fund receives and sell orders from a plurality of investors for selling shares of the fund. A fund management information system determines a yield for each investor based on the shares of the fund purchased by the investor and the fixed-income securities held by the fund at the time that the shares were purchased. The fund management information system also determines a plurality of distribution payments and a final liquidation payment for each investor so that the distribution payments and the final liquidation payment provide the yield determined for the investor when the investor purchased shares of the fund. This enables investors to use the fund in a bond laddering strategy.

Abstract: The present invention provides a seamless entry system that comprises a universal session manager. Users connect to the host service provider with a unique username and password. Then, through a series of data exchanges between the universal session manager, a validation database, and the remote service module, the customer may be transparently logged into remote service providers. Internet banking customers utilize a browser system to connect to a host server providing a range of banking services supported by a remote or distinct server. According to the method, the customer first enters a username and password to gain access to the host service provider. The universal session manager transmits data required for login to the remote service provider. The user is thus able to utilize the remote services with his/her web browser system without having entered a username or password particular to the remote service.

Abstract: A bill-paying service has an internet-connected server executing software from a non-transitory, machine-readable medium, the software providing functionality accessing, on behalf of a user, a plurality of billing servers, logging in with credentials supplied by the user, and downloading information concerning one or more bills which the user is responsible to pay, functionality receiving a selection by the end user, indicating a bill the user wishes to pay, and functionality transmitting to the user a deep-link plug-in (DLP) for the billing server where the bill selected by the client is associated, the DLP redirecting the user to a page at the billing server where the user is enabled to pay the bill selected.

Abstract: The invention calculates an American option value by: creating a discrete approximation for a self-convolving probability distribution with a pre-determined number of points; creating a discrete approximation of a delta function for one entry of value 1 at a current time; creating probability distributions of returns for a stock underlying the option, for a plurality of times from a current time through an expiry for the option; calculating a probability distribution for a value for the option at expiry; and doing a series of reverse convolutions of the self-convolving distribution with each probability distribution of returns for the stock underlying the option, starting with the probability distribution for the return of the stock at the expiry, and obtaining the current value for the option.

Abstract: A system and method for providing starter credit card products to selected customers of a credit card issuer is disclosed. Methods, systems and articles of manufacture consistent with the present invention enable a credit card issuer to identify a group of customers that may not eligible to obtain standard credit card products offered by the credit card issuer. The credit card issuer may rank these customers and present offers for starter credit card accounts with adjusted account parameters tailored to these customers. The credit card issuer monitors the activities of each starter card account during a trial period to determine whether each respective account has met predetermined criteria. Based on the results of the monitor process, the credit card issuer may adjust the parameters associated with each starter credit card account.

Abstract: Input devices such as satellites, field sensors, electronic pads, cellular phones, and/or radio transmitters communicate information representing queries, reports, and/or instructions to an intention determination system that is accessible by a user interface with a display. The intention determination system includes an input module for processing the information received from the input devices; a language converter for converting the information from a natural language format to a restructured form in a position-based format; a database system for storing the received information, the restructured information, and reference information; and a rule-based analyzer for periodically retrieving and processing the stored information. The analyzer sends an alert to the user interface to notify the user if execution of one the instructions creates a potential conflict with the other stored information.

Abstract: A system and method captures image data in association with the operation of an automated banking machine. Image data associated with users and documents may be acquired, analyzed and transferred. Images may be captured responsive to programmed sequences. The sequences may be performed on a periodic basis as well as in response to inputs corresponding to alarm conditions and transactions conducted at automated banking machines or other devices. Image data may also be captured in response to image conditions including the sensing of motion or the loss of usable video from selected cameras. Image data may be stored in connection with data corresponding to circumstances associated with each triggering event. Stored image data may be searched by one or more parameters. Parameters may include data stored in association with each image, types of events causing image data to be stored, as well as other image conditions and properties.

Abstract: A process for allocating specific assets from a pool of assets to secure a liability. Information concerning each of the assets in the pool of assets is received from at least two sources. A set of validation rules is applied to the information for each asset in the pool of assets and those assets which do not meet the validation rules are rejected. A price is assigned to each non-rejected asset. A subset of the non-rejected assets is allocated to the liability as a function to collateralize the liability.

Abstract: 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.

Abstract: 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 the items can be restocked. The time at which an item is returned may be compared with a time at which it is due, with an additional fee being added to an account of a customer borrowing or renting an item that is returned late.

Abstract: The system provides predictive error-checking and conflict resolution by comparing data contained in cognitive artifacts such as orders/instructions and reports against one another and against existing domain-specific databases, procedural and conceptual models, reasoning schemes, (in military domain specific applications, that would be terrain, weather, equipment, artillery, logistics, rules of engagement, field manuals, military doctrine, models of war games, etc) to determine their validity and effectiveness. Possible situations, states, or conditions arising from inferred actors' intent are recognized through expert systems analysis and trigger information exchanges. The system further advance Intention Awareness by enabling users to view information corresponding to the applicable environment obtained from external application systems across interoperability bridge. Through its graphical user interface the system allow users to graphically visualize and communicate their intent.

Abstract: Embodiments are configured to provide browsing and other functionality that can be used to provide viewable data based in part on a current viewable space of a browser interface, but the embodiments are not so limited. In an embodiment, components of a system can operate to communicate viewable data to a browser engine based in part on a configuration of the browser engine and/or a display architecture. In one embodiment, a computing device includes a browser application that can be used to provide data associated with viewable portions of a browser display, wherein the provided data can be used to monetize advertising revenue according to monetization and/or advertising requirements.

Abstract: A system for issuing credit for unused interest free grace periods may comprise at least one subsystem that electronically calculates a number of unused interest free grace period days, and at least one subsystem that electronically calculates an amount of an award to a borrower based on the calculated number of unused grace period days and a statement balance paid by the borrower.

Abstract: According to the invention, a method for automatically processing an incoming payment for a payee with an online money transfer system. In one step, information is received at the online money transfer system. That information relates to processing of one or more received payments associated with the payee. At some point, the incoming payment associated with the payee is received. A default repository for the incoming payment is determined. It is determined whether to transfer at least some of the incoming payment away from the default repository or escrow at least a portion of the incoming payment for benefit of at least one predetermined party. Either the earmark or the escrow is applied after this determination.

Abstract: The invention relates generally to data analysis, and to systems and methods for the computation of the volatility of a loss. The system comprises a module for receiving a data parameter, a database for storing the parameter, a computerized predictive model, and a business logic processor for executing the predictive model. The volatility is used to, among other things, determine an appropriate work flow for handling the loss.

Abstract: Methods, computer readable media, and apparatuses for measuring, calculating, analyzing, and using account level effectiveness metrics are presented. Various statistics may be collected and compiled into a table, and effectiveness of one or more financial accounts may be determined at the account level. A prediction model may be created and used to determine the probability of an early balance payoff. An account-level liquidity additional fee may be imposed in anticipation of or as a result of an early balance payoff. Financial accounts may be classified on a variety of bases, and the results may be presented in a report.

Abstract: A system and method are provided for displaying market related data, such as traded volume at each price level, or any other trader-selected values, using one or more fixed size bars. In one preferred embodiment, a graphical display interface is provided and includes a plurality of fixed size bars that display traded volume at different price levels. In such an embodiment, the length of each bar may correspond to a predefined maximum value, and each bar may be progressively color-coded using a first graphical format to represent traded volume that is lower than the maximum value. If the traded volume exceeds the maximum value, the overflow value may be represented by progressively color-coding the bar using a second graphical format that may be used in relation to the first graphical format color-coding.

Abstract: The present invention provides a method and system for re-allocating financial risks. The system includes computer modules for assessing the behavior of a financial product by a financial institution, modeling the risks associated with providing the financial product by the financial institution, assessing the market risks associated with providing the financial product by a derivative counterparty and assuming, by the derivative counterparty, market risks associated with providing the financial product.

Abstract: A method of establishing a profitability model for use in the establishment of a wind power plant, the method including the steps of: establishing wind power plant-related data related to a scenario; calculating the profitability of the wind power plant by using a data processing system, by making use of the wind power-related data such as solution parameters and financing parameters, in relation to at least one scenario; and presenting a profitability model related to establishing a wind power plant based on the scenario and the calculated profitability using data processing system. Benefits of this profitability model minimizes risk and improves the basis for decision regarding the establishment of a wind power plant.

Abstract: A system and method for providing credit to a customer based on preliminary use of an account indicating that the customer is a good credit risk by providing to a customer an offer for a preliminary account associated with an action, facilitating a loan transaction between the customer and another party, receiving value from another party to initially fund the customer's preliminary account, providing the preliminary account to the customer, monitoring the preliminary account for the at least one predetermined action, repaying the another party the value received to initially fund the customer's preliminary account, and providing a credit account to the customer based on performance of the action.