Abstract: Enhanced processes, methods, tools, strategies, and techniques are provided for more effectively and efficiently processing, managing, analyzing, and communicating wealth related data and other financial information within a computing environment. In various embodiments, the analysis tools provided herein have been designed to correspond visually with a mental model employed by many clients in managing their wealth.

Abstract: Strategies, tools and techniques for establishing family purchase cards for customers of a financial institution are disclosed. The family purchase card may be established for a principal owner of a family in association with a household account held at the financial institution. The family purchase card may include a total purchase limit that can be allocated among one or more secondary purchase cards associated with various cardholders within the family. Different parameters may be configured for the secondary purchase cards, such as purchase limits, billing arrangements, activation or deactivation rules, and financial development milestone rules. The family purchase card may promote development of financial management skills and fiscal responsibility for various members of the family.

Abstract: A method for one of approving and denying a credit offering to a borrower is disclosed. The method includes calculating a probability of default rating of the borrower and calculating a loss given default rating for the borrower. The method also includes integrating the probability of default rating and the loss given default rating with other information relating to the credit offering to produce a credit memorandum and automatically outputting the credit memorandum to a user so that the user can recommend one of approval and denial of the credit offering.

Abstract: An enterprise architecture storage and organization system is provided which includes user-editable webpages to display enterprise architecture content. The webpages are organized in a framework, such as the Zachman Framework. The framework may comprise a plurality of units grouped into a plurality of levers and a plurality of categories. Each unit may have a user-editable webpage associated with it. The level of detail included within each user-editable webpage is variant depending upon the location of its associated unit in the framework. Units at the top of the framework contain broad or general information and the level of detail downwardly increases. Users may selectably edit the content of the user-editable webpages using an editor. Users may edit the text and edit and attach graphics. In some embodiments, wiki-type functionality may be utilized.

Abstract: Computer implemented methods of tracking customer spending and income are provided. The methods may comprise aggregating spending transactions by estimating income to a customer during a first time period. The methods may also comprise displaying a user interface to the customer. The user interface may comprise a first bar indicating customer income and a second bar indicating customer spending.

Abstract: Various embodiments are directed to systems and method of monitoring computer equipment. For example, a plurality of computer equipment parameters may be monitored. Also, an anomaly in at least one of the plurality of computer equipment parameters may be detected and an alert interface may be generated. The alert interface may comprise an indication of a first piece of computer equipment exhibiting the anomaly; an animation of the computer equipment parameter exhibiting the anomaly over a period of time including the anomaly; and a power impact analysis indicating other pieces of computer equipment that would be affected by a failure of the first piece of computer equipment.

Abstract: Methods of managing computer equipment: the methods may comprise receiving data indicating a power dissipated by computer equipment in a portion of the server room and receiving data indicating an actual airflow through the portion of the server room. The methods may also comprise calculating a target airflow in the portion of the server room considering the power dissipated by computer equipment in the portion of the server room and an expected difference in temperature between at least one hot aisle and at least one cold aisle in the portion of the server room, and calculating a recommended action for reaching the target airflow. The recommended action may be selected from the group consisting of: changing a static pressure generated by at least one cooling unit servicing the portion of the server room; changing a number of perforated tiles present in the portion of the server room; and changing the type of one or more perforated tiles present in the portion of the server room.

Abstract: A method for one of approving and denying a credit offering to a borrower is disclosed. The method includes calculating a probability of default rating of the borrower and calculating a loss given default rating for the borrower. The method also includes integrating the probability of default rating and the loss given default rating with other information relating to the credit offering to produce a credit memorandum and automatically outputting the credit memorandum to a user so that the user can recommend one of approval and denial of the credit offering.

Abstract: Various embodiments are directed to computer implemented methods of automatically reordering checks for an account utilizing checks. The methods may comprise determining a number of checks written on the account from a most recent check order. The number of checks written on the account from the most recent check order comprises a number of checks cleared on the account and a number of stop payment orders made on the account. The methods may also comprise determining a check usage rate, which may be proportional to a number of checks written on the account per unit time. The methods may additional comprise determining a time-to-exhaustion considering the number of checks written on the account and the check usage rate. Conditioned upon the time-to-exhaustion being below a predetermined threshold, an order of new checks directed to the customer may be initiated.

Abstract: A method for reordering checks for a customer is disclosed. The method includes ordering a first quantity of checks for the customer, tracking usage of the first quantity of checks, and ordering a second quantity of checks for the customer when a predetermined quantity of the first quantity of checks has been processed.

Abstract: Various embodiments are directed to systems and method of monitoring computer equipment. For example, a plurality of computer equipment parameters may be monitored. Also, an anomaly in at least one of the plurality of computer equipment parameters may be detected and an alert interface may be generated. The alert interface may comprise an indication of a first piece of computer equipment exhibiting the anomaly; an animation of the computer equipment parameter exhibiting the anomaly over a period of time including the anomaly; and a power impact analysis indicating other pieces of computer equipment that would be affected by a failure of the first piece of computer equipment.

Abstract: Methods of managing a network comprising a plurality of agents. The methods may comprise the step of storing a plurality of agent data files corresponding to the plurality of agents. The methods may also comprise the step of receiving periodic status messages from at least a portion of the plurality of agents. Upon receiving a status message from a first agent, the methods may comprise the step of updating an agent data file corresponding to the first agent. Also, the methods may comprise the steps of periodically identifying agent data files from the plurality of agent data files that have not been updated for a predetermined amount of time; and sending a request for response to a second agent corresponding to an agent data file that has not been updated for a predetermined amount of time.

Abstract: Systems and methods of providing for processing a banking transaction, such as a debit card transaction, with an overdraft threshold. If a transaction drives an associated account to a negative balance, the amount of the transaction may be compared to an overdraft threshold. If the amount of the transaction does not exceed the overdraft threshold, an overdraft fee may be waived.

Abstract: Strategies, tools and techniques for establishing family purchase cards for customers of a financial institution are disclosed. The family purchase card may be established for a principal owner of a family in association with a household account held at the financial institution. The family purchase card may include a total purchase limit that can be allocated among one or more secondary purchase cards associated with various cardholders within the family. Different parameters may be configured for the secondary purchase cards, such as purchase limits, billing arrangements, activation or deactivation rules, and financial development milestone rules. The family purchase card may promote development of financial management skills and fiscal responsibility for various members of the family.

Abstract: Methods and systems are provided for processing the financial information of a client of a financial institution. One method embodiment includes receiving data from an overdraft data source including at least one overdraft occurrence associated with a transaction performed in association with the client; analyzing the overdraft occurrence in an overdraft application to determine a cause and disposition of the overdraft occurrence in connection with the cause of the overdraft occurrence; and, communicating an overdraft report associated with the analyzing step to a manager associated with the client. Additional system and computer-readable medium embodiments of the present methods are also provided. In another aspect of the present methods and systems, historical overdraft issues are analyzed and reported to the management of a financial institution. System and computer-readable medium embodiments of these analysis and reporting methods are also provided.

Abstract: In one method embodiment of the present methods and systems, a computer-assisted method is provided for analyzing at least one financial instrument associated with a financial institution. The financial instrument has an associated collateral. The method includes receiving at least one collateral margin record from a collateral data source, wherein the collateral margin record includes information related to at least one collateral margin condition of the financial instrument; comparing at least a portion of the collateral margin record to at least one criterion; and, generating at least one of a report and a notification based on the step of comparing the collateral margin record to the criterion. Various aspects of the present method embodiments discussed herein can also be provided in accordance with various computer-readable media embodiments and system embodiments.

Abstract: A computer-implemented method of compiling a customer information set that complies with regulatory criteria is provided. The method comprises providing an overall question set having a plurality of questions and determining from the overall question set a basic question set, the basic question set including at least one basic question. The method further comprises associating an expected answer with at least one question of the basic question set and providing criteria for modifying the basic question set based on receiving an answer that differs from the expected answer. The method still further comprises optimizing an interactive customer survey with a customer using the overall question set, the basic question set, the expected answer and the criteria for modifying the basic question set.

Abstract: A web services hub receives a request from a data source system, transforms the request, and transmits the transformed request to an external system. A secure service router is coupled to the web services hub. The secure service router authenticates the data source system and locates a transformation service to transform the request.

Abstract: In one method embodiment of the present methods and systems, a computer-assisted method is provided for analyzing at least one financial instrument associated with a financial institution. The financial instrument has an associated collateral. The method includes receiving at least one collateral margin record from a collateral data source, wherein the collateral margin record includes information related to at least one collateral margin condition of the financial instrument; comparing at least a portion of the collateral margin record to at least one criterion; and, generating at least one of a report and a notification based on the step of comparing the collateral margin record to the criterion. Various aspects of the present method embodiments discussed herein can also be provided in accordance with various computer-readable media embodiments and system embodiments.

Abstract: Methods and systems are provided for processing the financial information of a client of a financial institution. One method embodiment includes receiving data from an overdraft data source including at least one overdraft occurrence associated with a transaction performed in association with the client; analyzing the overdraft occurrence in an overdraft application to determine a cause and disposition of the overdraft occurrence in connection with the cause of the overdraft occurrence; and, communicating an overdraft report associated with the analyzing step to a manager associated with the client. Additional system and computer-readable medium embodiments of the present methods are also provided. In another aspect of the present methods and systems, historical overdraft issues are analyzed and reported to the management of a financial institution. System and computer-readable medium embodiments of these analysis and reporting methods are also provided.