Abstract: Aspects of this disclosure relate to an identity level generating computer which may include a processor and memory storing computer executable instructions that, when executed, cause the computer to perform a method for generating identity levels for customers of a business. The method for generating identity levels for customers of a business may include electronically receiving customer data regarding at least one of: an identity of the customer, a behavior of the customer, a propensity of a customer and a risk associated with the customer's identity and determining one or more individual characteristic levels based on the electronically received information.

Abstract: Aspects of this disclosure relate to an advertising optimization computer which may include a processor and memory storing computer executable instructions that, when executed, cause the advertising optimization computer to perform a method for selecting an advertisement to be presented to a customer during a financial transaction by electronically receiving data relating to the identity of the customer conducting the financial transaction, electronically receiving data relating to one or more advertisements and determining the particular advertisement to present to the customer during the financial transaction based on the data by comparing the data relating to the identity of the customer conducting the financial transaction with the data relating to one or more advertisements and selecting an advertisement to be presented during the financial transaction based on the comparison.

Abstract: Systems, methods, and computer program products provide for monitoring activities related to Automated Clearing House (ACH) processing and, in specific embodiments, monitoring activities related to ACH in processing in shared ACH processing environment in which two or more financial institutions share access to the shared ACH processing platform. The monitoring provides for determining that events associated with a respective monitored ACH processes trigger a respective alarm, generating the alarm messages based on the triggering events and providing for computer network access to results of the monitoring including the one or more alarm messages. As such the present invention provides real-time visibility to process owners regarding the health of their processes. Thereby, allowing the process owners the ability to address processing problems as they occur and mitigate overall risk involved in the processing.

Abstract: A financial institution may determine a first mortgage opportunity for a banking center within a market from market-level data. The market-level data for a market geographical area is obtained for customers originating a first mortgage within a predetermined time period and is typically anonymous while providing a credit score and indicator whether the associated customer is a customer of the financial institution and has conducted a transaction within a predetermined time duration. The market geographical area typically contains a plurality of financial centers for the financial institution. The market-level data is then filtered in order to determine a total mortgage opportunity for the financial institution. From information about the financial centers, the total mortgage opportunity is apportioned among the financial centers in the market. Resources may then be allocated to a financial center based on the estimated mortgage opportunity for the financial center.

Abstract: A chat room system interfaces with an automated processing system. When an interactive query message from a user is addressed to the automated processing system, the interactive query message is passed to the automated processing system. The automated processing system extracts one or more keywords from the interactive query message and obtains response information from a data structure based on the one or more keywords. The automated processing system then returns an interactive response to the user through instant messaging. When the interactive query message is not addressed to the automated processing system, the interactive query message is forwarded to a support group through a chat room system. When the interactive response exceeds a predetermined size, part of the interactive response may be sent through instant messaging and the remainder through e-mail.

Abstract: Systems, devices, and methods for establishing a secure session for the transmission of data from an input device to a remote server device is disclosed. The input device may be an electronic check scanner attached to a banking customer's home personal computer. The customer may visit a bank's Internet website using the web browser or other application on their personal computer, and then submit scanned images of check to the bank. The bank, however, to ensure security and prevent fraud, may wish to establish a secure session between the devices and components in the system before the image data may be scanned and transmitted.

Abstract: A computer system for managing, creating, and support of a novel investment instrument, known as a Security Receipt. This receipt provides translation of ownership of plural underlying securities to the holder of the receipt in a seamless and efficient way. The system permits enhanced security creation, and orderly support to facilitate liquidity and market trading of the Security Receipt.

Abstract: An investment structure for multiple classes of investors that combines the advantages of both the master feeder structure and the reverse master feeder structure with segregated accounts. In particular, an investment structure is formed in which investors invest in a common fund. The common fund, in turn, opens a common prime brokerage account, having at least three sub-accounts, for example: an unlevered account; one or more levered accounts and a general trading account. The prime broker provides class loans to the levered account and margin loans to the general trading account. To the extent class loans are provided to the levered account, levered investors will participate in the returns on the general account as if the levered investors invested capital plus the amount of any class loans to that levered account. The unlevered investors will participate in the returns on the general trading account on the basis of their capital contributions alone.

Abstract: Method and system for credit decisioning using activity based costing and compartmental modeling. Credit product profitability for a financial institution using credit scorecards is improved by providing an analysis that results in a recommended credit cutoff score for a particular loan product. The selected cutoff score is determined with input including pass and bad rate parameters for the pertinent scorecard, workflow analysis for the loan process, compartmental modeling of the workflow, and activity based costing (ABC) for the workflow. In some embodiments, data related to portions of the analysis for a particular scorecard is saved for re-use, so that a new cutoff score for a particular type of loan can be determined relatively quickly and easily if only the financial institution's costs have changed.

Abstract: Cash handling facilities, such as cash vaults, receive and process large quantities of cash. The cash handling facility may have a plurality of custody points at which the amount of cash being processed is verified, counted, stored, or otherwise processed. Cash handling personnel that are handling the cash may be verified, detected, or otherwise documented as handling the cash. Automatic identification techniques may be implemented to track the cash and cash handling personnel at various custody points within the cash handling facility. A centralized tracking system may use the information obtained at each of the custody points to track, count, and verify the cash while it is located within the cash handling facility.

Abstract: Methods, computer readable media, and apparatuses for policy development and management are presented. One or more policy needs may be identified, and a criticality rating and a complexity rating may be determined for each policy need. The criticality rating and the complexity rating may be based on one or more weighted criticality and complexity factors. The criticality rating may affect prioritization of policy development, and the complexity rating may affect an estimate of time required for policy development. Subsequently, a report may be generated.

Abstract: Methods, computer readable media, and apparatuses for policy development and management are presented. One or more policy needs may be identified, and a score for each policy need may be determined The score for each policy need may be determined based on audit issue closure date information, legal compliance information, and regulatory impact information. Based on the determined scores, development of one or more policy needs may be prioritized.

Abstract: Methods, computer readable media, and apparatuses for policy development and management are presented. Input corresponding to an implemented policy may be received. An adherence rating for the implemented policy may be determined based on a measured level of compliance with at least one guiding principle. An effectiveness rating for the implemented policy may be determined based on a determined level of responsiveness. Subsequently, a report may be generated.

Abstract: A system and method for logon access management that includes capturing a logon id and associated user data, the logon id allowing access to at least one of an application or data outside of a entity, automatically searching for a match of at least a portion of the user data with id data inside the entity, and transforming the logon id into a network id when a match is found. The entity may be a company, business, organization, system, or network.

Abstract: A transaction such as a withdrawal or deposit may be divided into multiple smaller transactions based on an amount of currency associated with the transaction. For example, in a withdrawal, a container in which withdrawn funds are to be placed may be of limited size. Thus, multiple containers may be needed to withdraw the requested funds. Accordingly, each container may be assigned or associated with a different transaction. Each transaction may be created automatically, for example, upon completion of a previous transaction. Additionally, a number of transactions needed may be determined automatically. Thus, a user might only need to initiate the overall transaction process. Initiation may be based on manual input or triggered using an identification device such as an RFID tag, iris scan, card swipe and the like.

Abstract: Embodiments of the invention relate to apparatuses and methods for providing targeted product offers to customers. For example, in one embodiment, a first entity sends a targeted offer to certain customers. The first entity uses a second entity to perform a service related to the offer, such as an enrollment service. The first entity sends a candidate file to the second entity, where the candidate file includes a list of customers that qualify for the offer. The first entity authenticates the customer and, when the customer expresses interest in the targeted offer, the first entity forwards the customer to the second entity along with customer identifying information so that the second entity can perform the related service. The second entity then verifies whether the transferred customer qualifies for the offer by comparing the customer information to the candidate file. If verified, the second entity can perform the service related to the offer for the customer.

Abstract: Embodiments of the present invention relate to systems, apparatus, methods and computer program products for integrated risk management. More specifically, embodiments of the present invention provide for monitoring financial institution data from a plurality of financial institutions, including transactional data associated with multiple products and channels, to identify suspicious activity potentially associated with identity theft incidents and, in specific embodiments, communicate suspicious activity and/or identity theft alerts and/or reports in response to identifying the suspicious activities and/or confirming an identity theft incident associated with the suspicious activity. In further embodiments, the monitored financial institution may include one or more, and in some embodiments all of, account data, asset data, liability data, negative file data, customer data, device data, credit data, or biometric data.

Abstract: Embodiments of the present invention relate to systems, apparatus, methods and computer program products for integrated risk management. More specifically, embodiments of the present invention provides for determining one or more behavioral baseline scores, each score associated with one or more behaviors and based at least in part on financial institution data from multiple financial institutions. The behavioral baseline score defines a normal risk or baseline behavior for a customer, a customer segment or customer population. Further, the invention provides for monitoring at least the financial institution data to determine deviations from the behavioral baseline score(s) and generating and initiating communication of risk score alerts and/or behavioral baseline deviation alerts based on predetermined behavioral baseline deviations.

Abstract: Embodiments of the present invention relate to systems, apparatus, methods and computer program products for integrated risk assessment and mitigation. More specifically, embodiments of the present invention provide for determining risk patterns and, in particular embodiments, emerging risk patterns associated with emerging risk, based on a combination of, or in some embodiments all, financial institution data from multiple financial institutions, data aggregator data, non-financial institution data, negative activity data and/or risk deviation data. As a result of the determination of risk patterns, risk pattern alerts may be communicated to designated recipients for the purpose of managing the risk. In additional embodiments, a health risk indicator is determined that indicates the current condition of risk for a customer, a company, an industry or industry segment.

Abstract: A refinancing program for an underwater loan is disclosed. In particular embodiments, a method for refinancing a loan includes determining an original loan value, wherein the original loan value is associated with an original loan secured by a property having a current property value that is less than the original loan value. The method also includes calculating, with a processor, a conforming loan value based, at least in part, on the current property value, wherein the conforming loan value is associated with a conforming loan and the conforming loan value is less than the current property value. The method also includes calculating a shared appreciation mortgage (SAM) loan value based on a numerical difference between the conforming loan value and the original loan value.