Abstract: A financial instrument exchange, system and method based upon the intensity of an underlying index. The instrument having a predetermined formula for a settlement price based at least in part on the formula: AR = [ 1 N ? ? j = 1 N ? r j ] × C where: N=a number of total observation periods; C=a constant multiplier; and rj=a capped absolute period return calculated using the formula: rj=min(d,|xj|); where: d=a contract period observation cap; and xj=a period return based on a formula of the group consisting of: x j = ln ? ( I j I j - 1 ) ; and x j = ( I j I j - 1 ) - 1 ; where: Ij=a reference index reported price/level j observation periods after an initial observation date/time. The periods can variable and measured in days, weeks, months, quarters and years. The instrument is traded at a market-determined price from creation through the date of expiration.

Abstract: Embodiments of the present invention are directed to an electronic funds transfer authentication system and method to facilitate the verification and authentication of a user and the ownership of the source account from which funds are being transferred to another account. The user and transfer data is validated, and then the electronic funds transfer is validated using payment analytics that analyze the behavioral characteristics of the user which may be derived from both internal and external sources of information. Using a unique combination of security measures and procedures, the risk associated with various types of fund transfers is reduced, thereby enabling a financial institution to protect its customers' accounts with a greater degree of certainty.

Abstract: Systems and methods for monitoring transaction data and providing an indication regarding a performance parameter to a payment processing entity. Transaction data associated with a plurality of transactions conducted during a time interval is received. A server computer determines that the received transaction data meets a threshold. It is further determined whether a previous indication that the threshold has been met was provided to a payment processing entity, the previous indication being associated with a plurality of previous transactions conducted during a previous time interval. If the previous indication was not provided, an indication that the threshold has been met is provided to the payment processing entity, the indication including information regarding a performance parameter of the payment processing entity.

Abstract: This document describes techniques for implementing a collateralized loan with periodic draws subject to a triggering event. These techniques include receiving funds from a client and establishing a credit line collateralized by the funds. The techniques may further include periodically dispensing an amount from the credit line upon occurrence of a predetermined event (e.g., the client's attainment of a certain age) and until death of the client. At the death of the client, any remaining funds may then be released to, for example, the client's estate.

Abstract: An Internet based bill payment system and method is provided that allows a consumer to push payments and/or information to any payee from the consumer's credit card account. One embodiment of the invention allows the customer to make a payment to any payee from an enterprise credit card or any other credit account of the enterprise, referred to as “Bill Pay advance.” One embodiment of the invention is provided which allows an enterprise's consumer credit card customers to sign up for and use the enterprise's bill pay advance system, whether or not the consumer has a demand deposit account (DDA) account. The invention allows the customer to designate either source of funds for payment and for any payee they choose to pay. One embodiment of the invention offers an interchange push methodology with customer choice of the payment source of funds and intelligent routing.

Abstract: A user may claim to have not made or allowed a transaction and that the transaction was made in error. Where it appears the user has not authorized the transaction, the funds of the transaction are returned to the user, or are charged back. Systems and methods provide a way to confirm whether or not a transaction was actually authorized by the user, thereby settling a chargeback dispute for a previously executed transaction. The method comprises receiving the dispute regarding the transaction including associated transaction data, and retrieving a digital signature associated with the transaction data, the digital signature computed by signing the transaction data. The digital signature is then verified using a public key, wherein the public key corresponds to a private key stored on a mobile device. It is then determined whether or not the transaction is fraudulent based on a verification result of the digital signature.

Abstract: Methods and systems for populating an application are described. Data for an application is accessed, including transactional data associated with a user from a computerized database in a system. Systems and methods operate to automatically populate a financial application data structure in a computer using the transactional data stored in the computerized database. In an example, these systems and methods operate to determine a lending decision by the institution on the transactional data without purchasing a third party credit score. In an example, a financial notification is triggered using the automatically populated financial application data structure.

Abstract: A system and method for integrating transaction processing is disclosed. The different processes are integrated by use of a controlling processing engine which contains instructions on how the processes should be treated. The system and method provides an end to end integrated system for processing payments and reporting the transaction results in real time. The system and method allows customers to have access to the transaction data in real time and return any excepted payments in real time.

Abstract: A method of monitoring a certificate of deposit includes providing a computer having a processor and receiving information related to a certificate of deposit of a user. The method also includes monitoring, using the processor, the certificate of deposit as it matures, and advising the user regarding maturity of the certificate of deposit.

Abstract: Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Payment information can be sent directly from a consumer to a non-merchant, thereby allowing no new entities to obtain the payment information. Transaction identifiers can be used to facilitate communications among the entities. The payment information can be sent to the non-merchant via a merchant application with a submit payment button directed to the non-merchant so little or no deviations from standard practices are required.

Abstract: Systems and methods are disclosed for predicting the performance of a financial instrument by extracting influential features and emotional sentiment data from received data values, common features, and internet sources, each corresponding to a financial instrument, building multiple predictive models using random selections of the data values and combining the predictive models to create a combined prediction model. The combined prediction model provides a combined predicted data value where the combined predicted data value is a performance indicator, such as a classification count or percentage, of data values that correspond to the financial instrument and classify correctly via the prediction models.

Abstract: A system and method of providing control of prices in an on screen window having a price held for further transactions on an interface for traders of financial instruments. The interface contains a display of products for trading and respective prices for bids and offers. The user has a control device such as a computer mouse with a roller control. Selection of a particular product results in the display of the price of the product at the instant time the product is selected. The price is held until a confirming key or mouse stroke is received to initiate a trading action such as placing a new order, killing an existing order or hitting or lifting an order. The price can be altered by means of the roller control.

Abstract: Various embodiments of the present disclosure include systems and methods for rating a patent continuation case by comparing the patent continuation case with a priority or parent patent case of the patent continuation case. Comparison elements are used in an embodiment with automatic comparison.

Abstract: A method for correlating information received directly from an access device operated by a user, and information from a merchant server is disclosed. The method includes receiving, at a server computer of a non-merchant entity, device information specifically associated with an access device directly from the access device, and also receiving, at the server computer of the non-merchant entity, transaction information from a merchant server. The server computer then correlates and collected information and can perform additional processing.

Abstract: The present invention is directed to investing in exchange traded funds (ETF) using trading blocks of purchases with conditional sales. The present invention determines a number of trading blocks which each define a price of an ETF at which a purchase and sale will be made. Each block defines a purchase price and a sale price. When the ETF reaches the purchase price defined in a block, a purchase of a specified number of shares in the ETF is made, and a conditional sale order is activated so that the purchased shares are sold when the ETF reaches the sale price. The trading blocks can be defined such that the purchase price in each block is spaced thereby causing multiple purchases and sales to be made as the price of the ETF moves over a period of time. In this way, an investor can capitalize on the volatility of an ETF.

Abstract: Disclosed herein is a method and system for generating revenue and sharing the generated revenue. The telecom company acquires advertisements from one or more of a plurality of advertisers. The advertisements comprise advertisement tunes, text messages, audio messages, or video messages. The telecom company acquires permission from the subscriber for inserting advertisements in phone calls and messaging service messages of the subscriber. The advertisements may be inserted during one of initiation, active state, engaged state and termination of the phone call. Further, the advertisements are inserted at the beginning or the end of the messaging service messages of the subscriber. The revenue generated from advertising by the telecom company is shared with the subscriber through discounts on call charges or through payments of predetermined amount to the subscriber.

Abstract: A management system and method for a credit decision-making process. The system and method provide access to an automatically generated and updated status report providing information about conditions required for final credit approval. The status report is available via computer systems used by parties to the credit decision-making process, such as the potential borrower, the creditor, and a business partner working with the potential borrower and creditor. Notifications of changes to the status report and/or updated status reports are automatically provided to the parties via the computer systems. In some embodiments, a request for the current status report can be requested in response to the notification. The system and method also include the capability to access dates scheduled for fulfilling the conditions for final credit approval and to allow requests for changes to the scheduled dates. Notifications of requests for date changes can be automatically provided to all parties needing the information.

Abstract: A system and associated method for conducting index or theme based basket security transactions includes a client device with a client interface, and is configured to receive an index or theme based basket client order. A host server is coupled to the client device and executes logic resources for carrying out transactions for a client. A pricing engine, an inventory account and a targets engine are included. The trading engine is configured to process the client index or theme based basket order as a single order. The trading engine enables the trading of fraction shares in real time as well as reduces a frequency of orders sent to market by executing principal trades against the inventory account.

Abstract: Managing insurance policy processing includes: receiving a set of insurance policy hold criteria specifying an insurance policy hold, the insurance policy hold criteria comprising an insurance policy hold period during which the insurance policy hold is in effect; receiving a request to execute an insurance policy processing operation on an insurance policy; determining, based at least in part on the set of policy hold criteria, that the insurance policy processing operation is subject to the insurance policy hold; disallowing the insurance policy processing operation from being executed; determining that the insurance policy hold is to be released; and allowing the insurance policy hold to be released.

Abstract: A market map interface displays market information and trader-related information associated with at least two tradable objects. In one embodiment, the at least two graphical interfaces may be linked, and a user may define one or more adjustment parameters to be used to adjust the view of information being displayed via the linked graphical interfaces. For instance, a user may initiate repositioning of one of the linked graphical interfaces, thus, effectively, causing other linked graphical interfaces to be repositioned according to the defined adjustment parameters.