Abstract: A method of optimizing rewards earned by a customer of a financial institution comprises presenting data in an online banking computer system of rewards earned by a customer of a financial institution, and presenting data in the online banking computer system of rewards the customer of the financial institution could have earned. Methods for determining the rewards that the customer of the financial institution could have earned are described herein.

Abstract: A customer initiated password reset system resets user passwords on a variety of network entities, such as internal systems, allowing simultaneous reset with a minimum number of user specified passwords that nonetheless satisfy the password specifications of these internal systems. Thereby, the user avoids the tedium of logging into each of these systems, changing their password, logging out, etc., for each system with the likelihood of creating unique passwords for each system that have to be remembered. By further incorporating a score metric based upon how many character sets are touched, a required degree of complexity can be measured and enforced against the password specifications. Advantageously, a table-based approach to enforcing password reset against the multiple password specifications facilitates making and fielding updates.

Abstract: A remote deposit capture system for distributed processing of check presentation can sense, or be instructed to differentiate, between deposit document types, including checks, cash withdrawals, and casino markets. Thereby, automated recognition and correction features can be selectively applied to an imaged deposit document. Thereby deposit documents that tend to use identical transaction codes, such as the same routing/transit numbers in magnetic ink character recognition (MICR) code line data, can be effectively processed without a high failure rate due to duplicate detection. Yet the advantages of duplicate detection are still leveraged against other deposit types. Alternatively or in addition, duplicate detection can be selected to not depend upon uniqueness of MICR code line data.

Abstract: A browser cache-securing component facilitates online communication of confidential data, such as for financial information, purchasing transactions, or user identification. Caching webpages for subsequent presentation enhances user productivity and efficiency while reducing burdens on network resources. Yet, the security risks of intrusions into cache memory are mitigated by retaining encrypted data in cache memory without prior decryption. A modest overhead in decrypting when and if the webpage is to be presented again gains a security and privacy advantage without taking away functionality. Decrypted versions of confidential data can thereby be relegated to volatile memory. Upon termination of a session, a session key shared by a network server is deleted, preventing subsequent decryption. Executing the browser cache-securing component in a virtual machine environment allows multiple browser types to benefit from the security feature.

Abstract: Systems and methodologies for generating and utilizing an interactive financial statement are provided herein. An interactive statement can initially be generated for a user based on properties relating to a device on which the user will access the statement, such as display size, available memory, and other factors relating to the device. The interactive statement can contain personal and account information relating to the user as well as interactive elements such as targeted advertising based on identified trends of a user or other factors, query functionality, security controls for individual statement features, dynamic information formatting, and other such elements. Upon generation of the interactive statement, the interactive statement can be delivered to the user.

Abstract: Association of personal, financial, and/or business-related identification information with a mobile communication device (MCD) is provided for herein. For example, an MCD can be associated with a financial account and can further include an identification component that verifies an identity of a user of the MCD. Identity can be verified by biometric analysis (e.g., finger/thumb print scan), username and password, optical feature scan, or a combination thereof or of like mechanisms, for instance. Accordingly, the claimed subject matter provides a mechanism to verify identification of a user of an MCD and incorporate user ID into remote data exchange, including remote financial transactions, with one or more networked devices.

Abstract: Providing for a mobile communication device (MCD) credit account and credit transactions by way of such an MCD is described herein. As an example, a credit account sponsored by a financial or commercial entity can be associated with a unique ID of an MCD. The MCD can interface with another electronic device and initiate credit transactions, such as commercial purchases, credit transfers, currency conversions, and the like, via the interface. Further, rules provided by the sponsoring entity can guide such transactions, enforcing credit limits, for instance. A management component can then synchronize transactions conducted by the device with a server of a financial institution over a remote communication interface, such as the Internet or a cellular/mobile communication network. Accordingly, a mobile device can replace a traditional credit card in transacting credit business.

Abstract: A system and method for electronic payment in a computer payment network. The system comprises a choice engine communicatively connected to a computer payment network for electronically providing a purchaser with an option to select a funding source for a purchase. The funding source is selected pre-purchase, during purchase, post-purchase, or a combination thereof. The founding source is a liquid funding account or a credit vehicle. The purchaser may use a universal payment device to make the purchase.

Abstract: A common manner for disclosing information is through a presentation. A presentation is generated automatically to pursue a financial opportunity, such as to disclose to a potential client rationale to purchase a product. In addition, auxiliary tasks that relate to the presentation can be handled automatically, such as sending notices and assigning individuals to disclose the presentation.

Abstract: When pursing a financial opportunity, certain products and/or services can be used in helping different parties to achieve a related benefit. Since a number of different products and/or services can be available, selection is made to improve a likelihood of success with the financial opportunity. Once there has been an appropriate selection, the products and/or services can be configured to increate a likelihood of success.

Abstract: A multiple option loan presentation apparatus and method allows a loan agent to communicate a non-traditional loan product to a customer. Non-traditional mortgage products such as pick-a-payment loans allow a borrower to exchange lower payments during an initial period for higher payments layer in an amortization period. Some borrowers do not want to accepting the risk associated with adjustable rate mortgages (ARMs) for increases in interest rates, but are still desirous of options for reduced monthly payments. Combining fixed rate loans with an option for interest-only or minimum payments allows this flexibility, but places a premium on being able to graphically depict the implications of these choices. Thereby, the borrower can make an informed decision and the loan agent is able to more quickly conclude the transaction. In particular, the minimum payments constraints and changes in amounts can be made more intuitive.

Abstract: Often times, smaller financial opportunities are not pursued due to their size. Information concerning financial opportunities is collected automatically and analyzed to determine opportunities that should be pursued. In addition, entities that relate to financial opportunities can make requests to be pursued by a particular body. A decision is made if an analyzing body should pursue the financial opportunity or if it should be referred to another body.

Abstract: Systems and methods that facilitate using a first mobile device to initiate a funds transfer to a second device. One mobile to consumer payment embodiment allows a person enter into a store and pay for that person's purchases using that person's cell phone. Other mobile consumer payment embodiments include strictly consumer-to-consumer transactions, for example, but not limited to, the idea that a person can go to a garage sale and purchase from the garage sale seller by using a cell phone. Put broadly one peer-to-peer payment embodiment includes the ability for somebody to be able to send a payment to another person whenever and wherever.

Abstract: Flexible automatic savings programs and/or processes are provided in which a consumer is presented with multiple options for automatic savings to be applied to transactions, such that savings amounts are transferred from a first account to a second account automatically for qualified accounts and transactions. A financial institution can assist the consumer select one of the options to apply to automatic transfers. Transfer policy can thus be customized for a consumer according to their savings needs and goals. Participation is limited to common, or overlapping, ownership status with respect to both source and target accounts, though other ownership entities can also be present. The way that savings amounts are determined for automatic transfers can also be dynamically customized to savings characteristics or goals of the consumer as those characteristics or goals change.

Abstract: A system that facilitates an identification of potential investment banking opportunities and matches those identified potential banking investment opportunities to investment banking products is disclosed. More opportunities are acted on and more deals are closed than without the subject innovation. Additionally, a user interface facilitates product match and product configuration. After a product is configured and matched to an opportunity, a presentation is generated to ‘pitch’ to a customer.

Abstract: A system that enables secure data storage into a third party managed electronic storage vault is disclosed. This electronic storage vault provides customers with a secure location to store important data such as insurance policies, automobile titles, deeds, wills, birth certificates, tax documents or the like. An interface can be provided which secures (e.g., encrypts, digitally signs) data related to transmission, storage and retrieval. A management component can be employed to regulate (e.g., authenticate) deposit or access of documents to/from the storage vault.

Abstract: A system and methodology that facilitates online registration of portable electronic media containing sensitive information is provided. The system tracks, collects and logs information associated with the media shipments and generates detailed reports. Furthermore, the system analyzes the information collected and reported to measure accountability and to calculate risk. The system provides consolidated, comprehensive information about media containing sensitive data shipped outside an organization. Additionally, the system facilitates risk management while tracking and reporting compliance around most any media activity.

Abstract: Systems and methods of centralized product production, comprising a job initiation component that receives a job request from a user; a resource management component that delegates tasks to one or more modules to produce a product to meet the job request. The modules can comprise an automated computing system or a practice group, and can report back to the resource management component. An assembly component can receive information, documents, and objects from the resource management component and assemble the items to form a product. An interface component allows a user to view progress of the product, and to receive status updates.

Abstract: Systems and methods that enable real-time (or almost real-time) foreign exchange (FX) pricing via retail branch networks, wire room operations and cash management platforms are provided. Essentially, the systems and methods decouple the FX-infrastructure and enable downstream banks to effectively and efficiently access FX transaction services and infrastructure without the need to locally manage such an FX platform. In doing so, an FX generation component is employed in connection with standard downstream mechanisms to provide necessary information to a partner FX processing component. The partner FX processing component conveys information to the downstream environment while shielding the downstream entity from risks and costs involved in FX operations.

Abstract: An item capture research system having an item capture subsystem, a transaction data archive subsystem, an image data archive subsystem and a research engine. The item capture subsystem captures and stores transaction data and image data for items, such as checks. The transaction data subsystem has multiple data structures for the storage and retrieval of transaction data information, including, an on-us items data structure, a transit items data structure and an all items data structure. Each such data structure includes an online index to an offline archive file. The image data archive subsystem includes image databases for on-us item images, transit item images and white paper images. An online index to the offline image data is provided for. A research engine provides for efficient search and retrieval of image data and transaction data.