Abstract: A system and method are provided for analyzing the fiscal condition of a company based on publicly available information to identify problematic situations. In one embodiment, the relation between two financial indicators is examined. These indicators may be, for example, the earnings-per-share of a company and the operating cash flow-per-share of the company. If record high earnings are achieved yet operating cash-flow is low or negative, the company may be in financial distress.

Abstract: A method and system for using free registration of branded network credit and debit cards to provide transaction-based marketing to merchants and businesses. For each purchase made using a registered credit or debit card at a registered merchant, a marketing fee related to the transaction amount is paid by the registered merchant. Commission fees are distributed from the marketing fee to the marketer(s) responsible for registering the merchant and to the marketer(s) responsible for registering the cardholder. In addition, usage fees may be paid to the marketer responsible for the sale or circulation of registered debit cards.