Abstract: Apparatus and methods for providing a card that has a stored value. The apparatus and methods may involve offering the card to a customer, applying branding information to the card, charging a customer account for the value, and dispensing the card. The stored value card may be provided by a machine to a customer. The machine may be a financial institution automated teller machine (ATM). The ATM may transmit instructions to transfer funds from the customer's to one or more of the financial institution's retail partners. The ATM may apply visual information to the card. The visual information may include branding information, a message or any other suitable information.

Abstract: Systems and methods are disclosed for assessing a relocation option. More specifically, a line of business may assess a relocation option by generating a geographic model that may be based on data about a relocation option. The system and method of generating a geographic model may include the generation of a reward score based on reward drivers. The model may also include generating a risk score that is based on risk factors. The reward score and the risk score may be compared. The line of business may also conduct an in-country/due diligence visit based at least in part on the geographic model and may assemble a risk mitigation framework. In addition, outputs of the model may be analyzed using portfolio theory analysis. Such portfolio theory analysis may include determining the Markowitz Efficient Frontier of optimal location sets. The analysis may also include obtaining an optimal location set based on a preferably predetermined concentration risk tolerance.

Abstract: Apparatus and methods for market-based allocation of internal web advertising space. Internal web advertising typically involves a company website hosting advertisements for company lines of business. Market-based bids for advertising space may be adjusted by an advertisement servicing program for overall site optimization. In some embodiments, bidding power for some lines of business may be adjusted as a reward for successful advertising, or based on other business criteria.

Abstract: Systems and methods for dynamically creating Entity-Specific Views from one or more Data Warehouses are provided. The system may involve multiple data sets within a Data Warehouse and may provide a Target Result data set which excludes fields of information not relevant to the desired view. The system may involve the use of derived fields and logical decision structures for the assignment of overriding boundary date information.

Abstract: Apparatus and methods for communicating between a gateway server and a plurality of other servers. The apparatus and methods may involve receiving information requests from the plurality of other servers. Each of the plurality of other servers may provide a platform for a different development environment. The apparatus and methods may further involve using the gateway server to generate an identification tag for each information request received from each of the plurality of other servers. The approved methods may include receiving a response to such information requests. In addition, the apparatus and methods may include associating the response received to the information request to which the response is responsive.

Abstract: Apparatus and methods for providing funds to a bank customer. A bank customer may have a retail bank account in the custody of a bank. The bank may provide retail banking services to the bank customer in connection with the retail bank account. After providing the retail banking service, the bank may electronically link a retirement fund management module to the bank account. The retirement fund management module may be configured to transfer a predetermined amount of retirement funds into the bank account. The transfer may be made in accordance with rules. The rules may be selected by the bank customer.

Abstract: Systems and methods for cash positioning and cash reporting are preferably provided. A system for cash reporting and cash positioning according to the invention may include a controller module and a web service module. The controller module may be adapted to receive a selection to update a data store. The web service module may be adapted to receive a call from the controller module. The call from the controller module may be sent in response to the selection to update the data store. The web service module may be configured to retrieve bank account information data in response to the call from the controller module.