Abstract: A computer system determines a response model for a solicited offering based on selected variables that characterize a target population. The response model may be used to identify recipients in the target population to increase the expected probability of the recipients responding. The response model may be formed through an iterative process and is initially formed using a subset of variables from characteristics of the target population. A performance process is then performed to assess the initial response model by rendering, a pool of information for analysis. Based on the results of the analysis, the response model may be modified so that the performance results can be enhanced and updated performance metrics can be further analyzed. When desired results are obtained, the response model is finalized and final performance results are rendered. The response model may then be applied to the target population to identify recipients for the solicited offering.

Abstract: Systems and methods for recognizing a check deposit received in a self-service financial transaction device are described. A check is received from a customer associated with an entity for deposit into an account of the entity. Upon determining a that an amount of the check received for deposit cannot be determined from a scanned image of the check, deposit transaction data for the customer is collected and analyzed, including the frequency and timing of the customer's previous check deposits, the amount of the customer's previous check deposits, the payor of such deposits, etc., to predict the amount of the currently received check.

Abstract: A system and method for analyzing Intrusion Detection System (IDS) alert data associated with a computer network is described. The method includes applying first association rules to obtained IDS alert data associated with a computer network and processing the obtained IDS alert data with the first association rules. Analyst feedback data associated with the processed obtained IDS alert data is received, and a training data set from the analyst feedback data is received. New association rules are determined based upon the training data set, and the new association rules are outputted to a display of a computing device. Outputting the new association rules may include outputting patterns within the IDS alert data of false positive alerts. The new association rules may be applied back to the obtained IDS alert data.

Abstract: Embodiments of the present invention are directed to methods, systems and computer program products for identifying fraudulent transactions. In general, transaction information is inputted into the system and an address is received from such information. A database is then queried to determine if the address already exists in the database. A determination is made whether or not the transaction is suspicious in response to the address existing in the database entry. Alternatively, in response to the address not existing in the database entry, a determination is made as to whether or not the transaction is suspicious based on a geocode. A geocode is a geographic location or coordinates of an address.

Abstract: An optimization engine is provided to determine, through price optimization modeling, an optimal combination of price and volume for various products and services of an organization while also considering numerous factors internal and external to the organization. The price optimization modeling provided by the optimization engine may, among other things, be used by the organization to determine the optimal set of pricing recommendations that will provide the organization with the highest total contribution margin (total revenue less total variable cost). The optimization engine may consider various data inputs and analytics that allow an organization to develop a more effective and disciplined price-decisioning process.

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for remotely collecting data stored by a user in one or more network storage areas residing on a network. For example, embodiments of the method involve utilizing a mapping tool to identify at least one network storage area associated with the user, utilizing a collection tool to access at least one network storage area via a network, copying the data stored on the at least one network storage area, and transmitting the data from the at least one network storage area to a collection server.

Abstract: A system and method of verifying sufficient funds in an account associated with a negotiable instrument, such as a check, money order, traveler's check, etc., received for payment is provided. The verification of funds may be provided prior to accepting the check as payment. In some examples, the check may be scanned into a funds verification system at a back office or front end system, such as a check out lane, point of sale system, etc., of a merchant, vendor, service provider, etc. receiving the check for payment. The scanned image of the check may be transmitted to a financial institution associated with the merchant, vendor, service provider, etc. and the financial institution may verify that sufficient funds exist. If sufficient funds exist, the check may be deposited into an account of the vendor, merchant, service provider, etc. at the financial institution.

Abstract: A method of efficiently transferring and storing funds in a cash handling device is presented. In some arrangements, funds will be deposited into the cash handling device and transferred directly to an overflow cassette for storage and transport, rather than being transferred to a traditional storage unit, such as a recycle unit. Prior to transferring the funds, a determination may be made as to the level in the recycle unit. If the level is above a predetermined threshold, the level in the overflow cassette will be evaluated to determine if that level is below a predetermined threshold. If so, the funds will be directly transferred from deposit to the overflow cassette thereby minimizing the processing, movement, etc. of the deposited bills to reduce risk of jams, malfunction, service issues, etc.

Abstract: A database-driven software application may be provided that is configured to keep a record of mainframe activity for various financial transactions and provide relationships between various transactional features. The information of these financial transactions may originate from a single system in a single data format or may be integrated into a single consistent format from a plurality of systems in a plurality of formats. Such an application may enable the reporting of anomalous events and/or the review of activities conducted by a financial associate (e.g., an employee of the financial institution) and/or those impacting a specific customer or account. The system may operate by parsing daily feeds of raw mainframe logs and extracting relevant details and placing information about each transaction in a data warehouse.

Abstract: Systems and processes for processing financial instruments include receiving a physical financial instrument, printing data on the received physical financial instrument, and capturing an image of the physical financial instrument to produce an electronic image. At least a portion of the data printed on the physical financial instrument is printed in a manner that substantially precludes reproduction in the electronic image. The electronic image is transmitted across a network, for example, to perform electronic processing, such as posting or clearing.

Abstract: A standardized system for assessing the security of web based applications which has a component for collecting information regarding threat and vulnerabilities to web applications is described. The system includes a component for organizing the information regarding threat and vulnerabilities to web applications into a uniform language so that the information is integrated throughout the entirety of the system. Further, the system has a component for expressing the information in a structured and uniform format of a hierarchical relationship between threat and vulnerabilities which includes threat vulnerability trees. The system includes a component for rating the threats and vulnerabilities under a uniform rating system. The system includes a component for integrating the information into both a storage component and also a presentation component for presenting the information.

Abstract: A method of quantifying the value added by an internal company credit rating system is described. The method includes determining an internal company credit rating for a plurality of securities. The internal company credit rating for the plurality of securities and an external credit research agency original credit rating for each of the securities are inputted in a ratings history database. Data representative of a change of the external credit research agency original credit rating for at least one security of the plurality of securities to a new credit rating is received. Responsive to the change, data representative of a current price of the at least one security and a benchmark price of the at least one security is received. At least one metric is calculated to determine a correlation between the internal company credit ratings and the new external credit research agency for each of the plurality of securities.

Abstract: Aspects of the present disclosure relate to a computer assisted method for consolidating reward points or monetary rewards associated with one or more financial accounts which may include electronically receiving information regarding a financial transaction in a first financial account, determining an amount of reward points or monetary rewards based on the financial transaction in the first account, and crediting a reward points or monetary rewards account associated with the first account with the amount of reward points or monetary rewards based on the transaction with the first financial account.

Abstract: Methods, computer readable media, and apparatuses for monitoring communications are presented. A first username may be compared with a second username. The first username may be associated with a sender of a communication, and the second username may be associated with a recipient of the communication. Thereafter, based on the comparing, the probability that the first username and the second username are both associated with a single entity may be determined. In at least one arrangement, in response to determining that the probability exceeds a threshold, it may be determined that the first username and the second username are both associated with the single entity. In at least one additional arrangement, the threshold may be modified automatically based on previously analyzed incident data.

Abstract: Systems and methods that may determine whether to provide a resource to a consumer are disclosed. Further methods may allow distributing resources on an expedited basis or recheck previous determinations to provide a resource. In certain embodiment, resource transactions may be categorized. Illustrative categories may be organized by: investment, a non-investment expenditure, or income. In one embodiment, transactions categorized as non-investment expenditures may be categorized into subcategories, including necessities, discretionary, or debt. Calculations may be performed upon the categorized (and/or sub-categorized data). For example, one or more of the following ratios may be calculated: debt-to-income, investment-to-income, and expenditure-to-income. Ratios may be compared to one or more threshold values. Determinations of the threshold may consider information regarding other individuals' or business' resource transactions.

Abstract: An armored carrier or other transport entity may scan a remotely-readable identification tag, such as a radio-frequency identification (RFID) tag, of each monetary package being picked up and/or delivered. The scanner used by the armored carrier may notify the armored carrier if one of the monetary packages goes out of range without being checked out, such as within a period of time. Also, if that monetary package is not returned within range within a particular period of time, the scanner may automatically notify a centralized system. The scanner may further be aware of scheduled monetary packages to be picked up. If not all of the monetary packages as expected are picked up, then the scanner may also notify the armored carrier.

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for comprehensive and holistic behavior-based customer segmentation and customer profiling based on the segmentation. In specific embodiments of the invention, the segmentation includes internal credit behavior segmentation and external credit segmentation. In other embodiments, the segmentation includes internal credit behavior segmentation and external credit segmentation, and spend preference segmentation. In still further embodiments any combination of behavior algorithms may be implemented to segment the customer base and determine a related customer profile. The application additionally provides for new behavior algorithms to be added as needed in the future and the ability to interface with existing/legacy segmentation applications.

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for prioritizing processes in terms of risk. Specifically, present embodiments provide assessment of process applicability to risk factors and an independent assessment of the relative importance of the risk factors. The two independent assessments, conducted by separate corporate entities, such as line-of-business and risk owners, are subsequently used to determine a process risk score that allows for the processes to be prioritized. The independent nature of the assessments provides for a highly objective, fact-based means of prioritizing processes based on risk.

Abstract: Systems, methods, and software are described that may be used to integrate assessments of certain types of operational risks, including forecasted emerging (future) risks, current risks, and/or historical realized risks.

Abstract: A system and method for analyzing news content information is disclosed. In a particular embodiment, the method includes receiving a first electronic data from a first news source, wherein the first electronic data is associated with a particular news event and receiving a second electronic data from a second news source, wherein the second electronic data is associated with the particular news event. The method also includes comparing the first and second electronic data and based on the comparison, assigning a numerical value to at least one of the first and second electronic data. The method further includes based on the numerical value assigned to at least one of the first and second electronic data, generating a third electronic data and transmitting the third electronic data to a user.