Abstract: Embodiments of the present invention relate to systems, apparatus, methods and computer program products for integrated risk assessment and management. More specifically, embodiments of the present invention provide for a risk database that collects and/or receives transaction data. In other embodiments of the present invention, the risk database collects and/or receives asset data and liability data associated with multiple financial institutions. The data is accessed to monitor customers' risk and one or more risk management actions are initiated based on the monitored customer risk.

Abstract: A system and method for automatically conducting an inventory verification of a cash recycler are disclosed. Upon receiving an indication of a malfunction or other service issue, the cash recycler will automatically conduct an inventory verification of the cash storage portion of the cash recycler upon completion of the repair of the malfunction or service issue. In some arrangements, the automatic inventory verification will occur at regularly scheduled intervals. In still other arrangements, an upcoming transport of funds will initiate a transfer of funds from a storage region to a transport region. The cash recycler will automatically rebalance funds in the storage region upon completion of the transfer.

Abstract: Aspects of this disclosure relate a system for retrieving images that may include one or more mainframe computer sites or Logical Partitions (LPARS) one or more servers operatively connected to the LPARS, and one or more databases operatively connected one or more of the LPARS. The system may also include a processor that may be configured to perform a method for generating electronic cash letters. The method for generating electronic cash letters may include reading a primary input key file assigned to the cash letter job, wherein the primary input key file includes a set of keys and each key corresponds to an image stored in one of the databases. The method may further include splitting the keys in the primary input key file into individual key files.

Abstract: Apparatus and methods for servicing a self-service device (“SSD”) such as an ATM. The SSD may include a customer service module that may perform part of a transaction or provide a service in support of the transaction. For example, the customer service module may be a currency acceptor, a printer, EPROM or any other device or circuit that is present in the SSD. The SSD may include a component map that may be stored in machine readable memory. An element of the map may correspond to the component. The SSD may include a central processing unit that may revise the map based on input from a service technician or machine-generated information. The map may be used to track the presence of the component in the SSD.

Abstract: Methods, computer readable media, and apparatuses for measuring, calculating, analyzing, and using account level profitability metrics are presented. Various statistics may be collected and compiled into a table, and profitability of one or more financial accounts may be determined at the account level. The cost of funds for a financial account and for a household associated with multiple financial accounts may be calculated. Financial accounts may be classified on a variety of bases, and the results may be presented in a report.

Abstract: Methods, computer readable media, and apparatuses for measuring, calculating, analyzing, and using account level profitability metrics are presented. Various statistics may be collected and compiled into a table, and profitability of one or more financial accounts may be determined at the account level. A prediction model may be created and used to determine the probability of an early balance payoff. An account-level liquidity surcharge may be imposed in anticipation of or as a result of an early balance payoff. Financial accounts may be classified on a variety of bases, and the results may be presented in a report.

Abstract: Methods, computer readable media, and apparatuses for measuring, calculating, analyzing, and using account level profitability metrics are presented. Various statistics may be collected and compiled into a table, and profitability of one or more financial accounts may be determined at the account level. Interchange costs may be accounted for. Financial accounts may be classified on a variety of bases, and the results may be presented in a report.

Abstract: Embodiments of the invention relate to systems, methods, and computer program products that provide for a technological infrastructure consumption index. The index is instrumental in measuring and managing technological infrastructure consumption. The consumption index is generated on a predetermined schedule as indicator of a business entity's volume of infrastructure consumption. The consumption index tracks key consumption elements, which are within the control of application teams, thereby insuring that the consumption of the key elements are being managed on an ongoing basis. Additionally, the consumption index provides for drill-down capabilities for the purpose of readily accessing data associated with specific key consumption elements of interest and specific teams/organizations within the business entity.

Abstract: Embodiments of the present invention provide systems, apparatuses, methods, and computer program products for forecasting the future headcount of an organization by generating, validating and displaying models of the headcount of an organization or division thereof over time. In some embodiments, at least three different models are generated using stored historical headcount information, including a linear regression model, a multivariate model using macroeconomic variables, and an autoregressive moving average model. In some embodiments, for each of the foregoing types, multiple models are generated and the best model of each type is selected for use in forecasting headcount according to predetermined evaluation criteria.

Abstract: Systems, methods, and computer program products are defined that provide for managing a technical project. In particular, embodiments provide for an end-to-end project delivery tool that includes planning, defining the requirements, designing, building, approving and providing communication/reporting of the technical project. The technical project management delivery tool herein described automates the capture of data and other functionality, such as identification of technical requirements, design infrastructure, build workflows and the like, to add increased efficiency as it relates to the design and build phases of a technical project.

Abstract: A system includes a memory and a processor communicatively coupled to the memory. The memory is operable to store a list of fee rules and a fee schedule. The processor is operable to receive account data comprising an asset type and an asset value associated with the asset type. The processor is further operable to determine, based on the asset type, one or more rules for calculating asset management fees from the list of fee rules and to calculate a standard asset management fee based on the received account data, the determined one or more rules, and the fee schedule. The processor is further operable to receive a discount factor associated with the standard asset management fee and to calculate an adjusted asset management fee based on the discount factor and the standard asset management fee.

Abstract: Systems, methods, and computer program products are defined that provide for managing a technical project. In particular, embodiments provide for an end-to-end project delivery tool that includes planning, defining the requirements, designing, building, approving and providing communication/reporting of the technical project. The technical project management delivery tool herein described automates the capture of data and other functionality, such as identification of technical requirements, design infrastructure, build workflows and the like, to add increased efficiency as it relates to the design and build phases of a technical project.

Abstract: Embodiments of the invention relate to apparatuses and methods for gathering and analyzing facility weather data, such as temperature and humidity data, and energy-usage data, such as electricity-usage data, from a plurality of remote facilities and using the analysis to assess energy-using systems and/or methods across an organization made up of the plurality of remote facilities.

Abstract: Systems, methods, and computer program products are defined that provide for managing a technical project and in particular the infrastructure design phase of the technical project. Specifically, embodiments provide for an end-to-end project delivery tool that includes defining the infrastructure design requirements of the technical project. The technical project management delivery tool herein described automates the capture of data and other functionality, such as identification of design infrastructure and the like, to add increased efficiency as it relates to the design and build phases of a technical project.

Abstract: A risk framework is described for computing application risks. A risk value associated with each of one or more products included in an application may be determined. The risk value associated with each of the products may be classified as declining software risk, not-permitted software risk, declining hardware risk, and not-permitted hardware risk and may be weighted and summed to produce a technical risk score. A business criticality score may be computed based on how critical the application is to a business. The technical risk score and the business criticality score may be weighted and summed to produce a composite risk score. Based on one or more of the scores, planning may be conducted and strategies may be formulated to mitigate risk.

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for identifying probable impacted business parameters, such as business applications, business teams/organizations at the onset of a business change-event, such as a business project, initiation of product/service offering or the like. Embodiments rely on analysis of historical data and architecture blueprints, driven by a predefined statistical model to determine probable impacted business parameters. Additionally, embodiments provide for determining the level of impact, in terms of hours and financials and/or the priority of the probable impacted business parameters. In addition, embodiments provide for automated notification of individuals and/or entities associated with the probable impacted business parameters.

Abstract: In some embodiments, a method for processing a payment transaction comprises receiving, by a payor an invoice generated from a first enterprise resource planning (ERP) system operated by a payee. The first ERP system formatted the invoice in a first format. The invoice is stored in a second format compatible with a second ERP system. The invoice has been converted from the first format to the second format, which is different from the first format. Approval of the invoice is received through the second ERP system. Authorization instructing a financial institution to transmit a payment to the payee is generated and transmitted to the financial institution. Confirmation of the payment to the payee is generated and transmitted to the payee.

Abstract: An improved method for accurately and correctly encoding and printing complete checks on blank paper sheets from graphic check images. The method includes inputting into a computer a graphic image of a check. Scanning the graphic image, in computer memory, and identifying the MICR character codes with their locations. Printing said MICR codes with magnetic ink in MICR fonts in a designated “clear band”. Reformatting the scanned graphic image with the MICR images deleted and printing the reformatted graphic image above the “clear band” to provide a negotiable check instrument.

Abstract: Methods, apparatuses, and systems for handling multiple invocation points in a software build task sequence are described. A computer may receive a task sequence. The task sequence may include instructions for combining a first image and a second image to form a third image, installing a first software stack on the computer from a fourth image, and installing a software component to a second software stack already installed on the computer. The computer may receive an indication of a start point to begin executing the task sequence, and may execute the task sequence beginning at the start point.

Abstract: Methods, apparatuses, and systems for cross-updating of software between self-service financial transaction machines are described. A first computer may identify connection of a removable computer-readable storage medium to the first computer. The first computer may determine whether data representing a particular version of an image of a software stack for the first computer exists on the removable computer-readable storage medium. Responsive to determining that no data representing the particular version of the image of the software stack for the first computer exists on the removable computer-readable storage medium, data indicating that no data representing the particular version of the image of the software stack for the first computer exists on the removable computer-readable storage medium may be outputted, and data representing a second computer with data representing the particular version of the image of the software stack for the first computer may be outputted.