Abstract: A computer system and method for enabling or disabling a payment vehicle at the request of a payment card holder from a remote device. The computer system comprises a computer having memory and a processor for processing input data received from a remote device. The input data comprises an instruction executable by the processor in a form of a text message or electronic mail received from the remote device, with the instruction to enable or disable a payment card of a payment card holder by changing the status of the payment card. An interactive remote interface computer software application is provided to the payment card holder for use on the remote or other device.

Abstract: An information technology (IT) strategic management system (and corresponding methodology) that enhances efficiency and effectiveness of IT planning processes and projects is provided. In particular aspects, the systems commence with a review of current IT state and strategy influencers. The state is analyzed to establish (or alternatively, to update) a strategy summary. The strategy summary can be presented for leadership approval and subsequently communicated to stakeholders for deployment.

Abstract: A computer payment banking system comprising a bank or financial institution, a sourced bank account, a sourced bank account holder, and a merchant. The bank or financial institution uses monetary funds from the sourced bank account to pay the merchant. The system is directed to processing of an online web-based purchase associated with the sourced bank account or holder. The system is directed to processing purchases made using a credit or debit instrument associated with the sourced bank account. A source of monetary funds for the sourced bank account includes, but is not limited to, a checking account, credit or debit instrument, online banking account, bank or non-bank line of credit, loan, financial account, and a combination thereof. Online access to rewards, financial reports, budget tools, or spending information of the sourced bank account holder may be provided by the bank or financial institution to the sourced bank account holder.

Abstract: A networked computer system comprising a user, a website of a bank or a financial institution, and a computer software tool. The computer software tool is accessible on the website of the bank or the financial institution and provides personalized lifetime financial planning to the user based upon financial information of the user along with a life event and a life stage of the user in an interactive computer generated timeline. The timeline comprises a past event, a present event, a future event, or a combination thereof of the user. The tool provides an automated reminder to the user based upon information of the user present in the timeline. The user may be a customer of the bank or the financial institution.

Abstract: Systems (and methodologies) that put consumers in control of NSF/OD (Not Sufficient Funds/Overdraft) fee management are provided. In accordance with the innovation, fees are solely dependent on time to cure a negative balance. In aspects, customers are charged a “per day” or “per diem” rate for NSF and/or OD conditions. By charging a per diem rate, customers are incentivized to cure a negative balance as the fee amount increases as time elapses throughout the balance exception cycle. Additionally, customers can be notified of balance exception situations. The notifications can sent based upon policies, preferences, rules or inferences.

Abstract: A networked computer system for communicating with a user about spending associated with a payment account of the user. The system comprises a user, a payment account of the user, a web interface for communicating with the user, and a predictive advisor system. The predictive advisor system comprises a predictive advisor engine for monitoring spending activity related to the payment account and for providing financial and savings advice to the user via the web interface.

Abstract: A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.

Abstract: An activity assignment system is provided which establishes a ‘win-win’ environment benefiting both an employer as well as an employee. Generally, the innovation promotes professional development by providing mechanisms to promote volunteer opportunities within business units of an organization. By enabling employees to bid on intra- and inter-unit opportunities, these mechanisms promote cross-training and personal development.

Abstract: Systems (and corresponding methodologies) that provide an image appliance which alleviates enterprises from custom designing each appliance for specific business processing purposes are disclosed. Enterprises and organizations can easily capture, consolidate, organize and process image files and electronic documents/content from a variety of input sources such as facsimile, electronic mail, multi-function printer devices (MFDs), desktop files, etc. without a need to custom code specific appliances.

Abstract: The innovation relates to a system and/or methodology for the convenient and consistent determination of rate exceptions for banking products. The system provides for a rate exception component that determines one or more proposed exception rates based on a customer's score, and information regarding the competitive banking environment for similar banking products. The customer scores and competitive banking environment data are determined by a data analytics component, which can update the data at regular intervals or when modifications to the data occur.

Abstract: The innovation relates to a system and/or methodology for the convenient and consistent determination of fee refunds for financial products. The system provides for a fee refund component that determines a proposed fee refund based on a customer's score, and information regarding the financial institution's fee refund policies. The customer scores and fee refund policies are determined by a data analytics component, which can update the data at regular intervals or when modifications to the data occur.

Abstract: A system and method that offers a simple product solution for managing financial risks in retirement is provided. The product solution combines a uniquely structured deposit product (e.g., certificate of deposit (CD)) together with an insurance policy (e.g., group longevity insurance policy) to guarantee a lifetime stream of income to a customer.

Abstract: Systems (and corresponding methodologies) that facilitate card-less financial transactions are provided. The innovation enables card-less ATM (automated teller machine) transactions such as cash withdrawals, transfers, balance inquiries, etc. In aspects, customers can set up an ‘electronic wallet’ account based upon a pre-set range or otherwise. Accordingly, access to the ‘electronic wallet’ is granted or denied based upon responses to challenges presented.

Abstract: The innovation assists risk management staff within a financial institution to effectively and efficiently, establish, monitor and act upon transaction risks that may occur related to treasury services. The process can include establishing a unique customer information, their account relationships with the bank, assigning transactional exposure limits, monitoring those limits, notifying appropriate (or desired) personnel when limits are breached, and notifying customers as appropriate. Additionally, approval matrices are employed to evaluate risk associated with transaction services.

Abstract: Systems (and corresponding methodologies) for monitoring and tracking the evolution of innovations within organizations, such as corporations, are provided. The innovation employs an image rendering to graphically convey development status. Overall, the innovation discloses a formalized mechanism by which innovations can be progressed from conception to product (or process) development and deployment. Thus, the innovation structures the evolution process of ideas throughout the development from conception to application.

Abstract: A computer-implemented system and method are provided for adapting the spending limit of a debit instrument in a networked computer system, particularly a daily spending limit. The method comprises determining or receiving notification of whether an electronic request to approve a debit instrument transaction was declined for exceeding a withdrawl limit or a spending limit, determining transactional risk associated with the debit instrument transaction using computer-implemented criteria, and adapting the spending limit of the debit instrument after the determination of transactional risk. Computer-implemented criteria are used to assess the transactional risk associated with a particular debit instrument transaction.

Abstract: A process (and corresponding system) that defines sequential steps for the introduction, validation, and testing of business applications of emerging technologies, for example mobile banking services, is provided. The innovation provides a definable model and process for rapid innovation with a quality emphasis through efficient pipeline management and performance measurements. For example, the innovation can adhere to an enterprise's e-commerce requirements for a formalized and measurable structure to efficiently and diligently manage new ideas that have the potential to become new products and services that positively impact business.

Abstract: A system (and corresponding method) to identify the quality of two related market feeds, when there is no definitive sequence number or identification that would make explicit comparisons possible is provided. The innovation establishes a unique waveform representation of market tics within feeds, compares the waveforms between feeds and is able to determine which feed was received later. This information can be provided to a trader to make informed decisions or to an algorithmic trading application to ensure utilization of the most reliable data available.

Abstract: A system (and corresponding methodology) that supports trade services back office processing to enhance efficiency and productivity is provided. The system employs a unique consolidated screen layout that significantly improves the productivity of the users. Essentially, the system and page layout is composed of the following components: Queue Well, Activity Center, Message Center, Viewing Center and Action Tab. These components facilitate organization of panels that creates an intuitive user interface experience. The system employs a navigational hierarchy of Queue Well to Activity Center and then to the Message and Viewing Centers as appropriate.

Abstract: A system and method of integrating financial information and rewards data in a computer system of a financial institution such as an online banking computer system. The method generally comprises providing to a customer of a financial institution access to a computer system comprising financial information and rewards data, and presenting the financial information and rewards data to the customer of the financial institution in a presentation layer viewable by the customer.