Abstract: The present invention provides methods and systems for managing Risk by associating a biometric profile with other data relevant to a Risk subject. Computerized systems can receive informational data that relates generally to Risk variables and relate the information to known biometric profiles. Compiled information can be situated and conveyed to a compliance department and be able to demonstrate to regulators that a financial institution has met standards relating to Risk containment.

Abstract: A system for delivering data objects containing data subject to periodic updates to a plurality of clients is disclosed and which is configured to connect to at least one input data stream which carries a specific type of data objects, such as objects related to financial product offerings, and also establish a communication session with various clients. Each client has an associated profile which indicates data stream to which the client has subscribed and further contains rules related to how data in the streams should be treated. When an object is received on a data stream, a local data cache is updated and the rules specified by clients subscribing to that data stream are executed to determine whether information about the object should be forward to the various subscribing client.

Abstract: A system, method, apparatus, and computer program code for identifying billing discrepancies includes receiving billing data from a billing entity, the billing data including an assessed fee and call details associated with each of a plurality of calls made by a customer, identifying, based at least in part on the call details received from the billing data, rate information associated with the customer, generating an expected fee for each of the plurality of calls, and comparing, for each of the plurality of calls, the expected fee with the assessed fee to identify discrepancies.

Abstract: Building and maintaining an accurate and up-to-date global inventory of hardware, software, and telecommunications assets deployed throughout an organization is described. A global inventory warehouse (GIW) receives an identification and physical location of these assets from multiple source systems. Some of these source systems contain information pertaining to the assets that has been manually entered into the source system by a human administrator. Other source systems, meanwhile, contain information that has been automatically collected by the source systems without human intervention. The GIW receives this information from the source systems and stores it within a GIW database. The GIW database may thus contain a global inventory of all or nearly all of the hardware, software, and telecommunications assets distributed throughout the organization. This database may also contain an identification of physical locations within the organization of all or substantially all of these assets.

Abstract: A computerized method and system for tracking orders implemented on a trading floor exchange is disclosed. The system is order-centric and is configured to route orders to a booth and floor broker in accordance with a symbol associated with the particular security being traded. Floor brokers communicate with the trading system through handheld devices connected to a handheld server via a wireless interface. A specific protocol for messaging protocol for communications between the handheld devices and the handheld server is also disclosed.

Abstract: A computerized method and system buying and selling in a marketplace denominated in multiple currencies. A best bid or best offer can be determined according to pecuniary advantage based upon a selected currency. An amount required to become a best bid or best offer within a set of defined currencies is also included. Some embodiments include a network of computers permitting access to a multi-currency marketplace. Prices in the multi-currency marketplace can be ranked according to a particular currency selected by a market participant.

Abstract: A method for ranking relative risk of a plurality of transactions, wherein each of the transactions has associated therewith a plurality of variables. In one embodiment the method includes assigning a value to each of the variables associated with each of the transactions, aggregating the values assigned to each of the variables on a transaction by transaction basis to produce an aggregate risk level for each transaction, and ranking each of the transactions relative to one another based upon the aggregate risk level corresponding to each transaction. A corresponding software program and system are also disclosed.

Abstract: Systems, methods, apparatus, computer program code and means for gathering, organizing and presenting on a real time basis information pertinent to Risks associated with subjects related to the Construction Industry. Risks associated with the Construction Industry can be managed by gathering data relevant to the Construction Industry from multiple sources and aggregating the gathered data according to one or more Risk variables. An inquiry relating to a Risk subject can be received and portions of the aggregated data can be associated with the Risk subject. The associated portions of the aggregated data can be transmitted to an entity placing the inquiry or other designated destination.

Abstract: Pursuant to some embodiments, a method includes: identifying information associated with an existing credit position involving a first party and counterparties; identifying information associated with a proposed credit position involving said first party and counterparties; calculating a first net present value of expected future losses based on a default of each of said counterparties; calculating a second net present value of expected future gains based on a default of said first party; and summing said first and second net present values to identify a third net present value of an expected future credit loss and gain of an overall credit position including both said existing credit position and said proposed credit position.

Abstract: The present invention provides an auction system that allows bond issue sales to be offered in an open and transparent manner, wherein, a certain percentage (up to 100%) of bonds in a bond issue can be offered to qualified bidders at a “buy now” pre-auction price, set by an issuer and/or lead manager. Investors can be allowed to “bid some bonds out of the auction process” and thus guarantee their allocation and also allow bidders to participate in an open auction for other bonds. Bonds to be offered in a bond issue can include a subset of pre-auction price bonds and a subset of auction price bonds. The pre-auction price bonds are offered to pre-auction bidders at a pre-auction price, and auction bonds are generally sold to the highest bidder. Pre-auction sales can serve as a catalyst for generating enthusiasm for an associated bond issue auction.

Abstract: Some embodiments include a system, method, apparatus and means for determining a relevancy of information include comparing information in an input data packet with a set of relevant keywords to determine that the input data packet contains one or more of the relevant keywords, tagging portions of the input data packet to identify the one or more relevant keywords, one or more relationship terms, and one or more action terms in the information, analyzing the tagged data packet based on the presence and usage of the one or more relevant keywords, one or more relationship terms, and one or more action terms, and identifying the information as relevant.

Abstract: Reconciling corresponding data reported by multiple data sources and pertaining to hardware, software, and telecommunications assets distributed throughout an organization is described. In one aspect, a reconciliation framework receives data maintained by a first data source and pertaining to a portion of the hardware, software, and telecommunications assets distributed throughout the organization. The reconciliation framework then also receives data maintained by a second data source and pertaining to the portion of the hardware, software, and telecommunications assets distributed throughout the organization. The reconciliation framework then compares the data maintained by the first data source to the data maintained by the second data source effective to determine differences between the data maintained by the first data source and the data maintained by the second data source.

Abstract: Identity-independent authentication tokens enable issuance of a single strong credential that can be mapped to an individual at each of multiple accounts within the online world. An issuer generates one or more authentication tokens for issuance to individuals or other entities. In some instances, each of these authentication tokens comprises a unique serial number. The individual or other entity may then request an authentication token from the issuer. The issuer may then issue the token to the individual without the need to ask or require the individual to identify his or herself. The individual may then map this issued authentication token to the individual's password at each of the individual's online accounts.

Abstract: An interface primarily used in computerized trading processes. In the especially preferred embodiments, the interface comprises a first sub-interface that allows “plug ins” to be dynamically created and/or edited. The plug ins are executed by a logic engine in which uses various inputs and outputs to obtain necessary information, process the order, and execute the order. The interface can additionally comprise a second sub-interface used to track orders, as well as a third sub-interface used to monitor orders.

Abstract: Various embodiments of the present invention relate to methods and systems for analyzing a capital structure for a company (e.g., a public corporation). More particularly, one embodiment of the present invention relates to a decision making tool for analyzing a company's capital structure, which decision making tool may include: (1) Economic EPS, wherein Economic EPS and its volatility may capture the cost/risk trade-off of all fixed income and equity-related alternative capital structures; and (2) Capital Structure Efficient Frontier, wherein a company should strive to bring its capital structure to the efficient frontier of strategies with the highest EPS for given levels of EPS risk. Of note, the Economic EPS and the Capital Structure Efficient Frontier methodologies of the present invention provide a unifying framework in which to analyze a company's capital structure (e.g., for identifying and implementing the economically optimal solutions to a company's capital structure challenges).

Abstract: This document describes techniques pertaining to loans collateralized by life insurance policies.

Abstract: A method for facilitating the distribution of physical restricted securities to a set of participants comprises receiving from an originating entity, such as a venture capitalist, a distribution package. A transfer agent is given temporary custody of the restricted securities and delivery instructions are provided to the transfer agent. Because the transfer agent has custody of the securities while they are still in the name of the originating entity, it can perform distributions of the restricted securities in accordance with incrementally delivered instructions and does not need to terminate the entire distribution if the instructions for a particular participant are incomplete or inconsistent. A system for gathering distribution instructions from participants and delivering the instructions to a facilitator is also disclosed.

Abstract: This document describes techniques for implementing a collateralized loan with periodic draws subject to a triggering event. These techniques include receiving funds from a client and establishing a credit line collateralized by the funds. The techniques may further include periodically dispensing an amount from the credit line upon occurrence of a predetermined event (e.g., the client's attainment of a certain age) and until death of the client. At the death of the client, any remaining funds may then be released to, for example, the client's estate.

Abstract: Deferred premium annuities and accompanying methods are described herein. In some instances, a deferred premium annuity allows a purchaser (e.g., an individual) to pledge assets rather than pay cash up front to purchase an annuity. In these instances, an annuity provider then issues an annuity to the purchaser. In some instances, the provider then may then receive ownership of or an interest in the pledged assets upon death of the purchaser unless the purchaser pays for the annuity before the death of the purchaser.

Abstract: The present invention provides an auction system that allows bond issue sales to be offered in an open and transparent manner, wherein, a certain percentage (up to 100%) of bonds in a bond issue can be offered to qualified bidders at a “buy now” pre-auction price, set by an issuer and/or lead manager. Investors can be allowed to “bid some bonds out of the auction process” and thus guarantee their allocation and also allow bidders to participate in an open auction for other bonds. Bonds to be offered in a bond issue can include a subset of pre-auction price bonds and a subset of auction price bonds. The pre-auction price bonds are offered to pre-auction bidders at a pre-auction price, and auction bonds are generally sold to the highest bidder. Pre-auction sales can serve as a catalyst for generating enthusiasm for an associated bond issue auction.