Abstract: A portal to provide user interfaces to users to access and/or purchase account features in connection with websites of issuers. The user interfaces have white label configurability that allows the issuers to customize the labeling of the user interfaces such that the user interfaces can be perceived as part of the websites of the issuers of the consumer accounts of the respective users. The user interfaces are configured to present, in a user friendly way, the account features currently in the consumer accounts, as well as optional account features that can be purchased at additional costs.

Abstract: A system for the online settling of a transaction in which network communications are established between a user, such as a debtor, and a server is presented. The system comprises a server configured to receive communications from a user. The server is further configured to seek available information pertinent to the transaction from at least one source external to the server and user. The server comprises a rules based engine including rules established on behalf of a party to the transaction, the rules based engine configured to process data from the available information and present a transaction settlement offer set to the user based on at least one decision made by the rules based engine. While online, the user/debtor may accept one of the offers or engage in further approved negotiation of other offers.

Abstract: One embodiment provides a method of delivering a remittance from a first party to a third party via an intermediary party, in which an intermediary fee is chargeable by the intermediary party. The method includes: receiving, at a payment system, a request to conduct a remittance transaction including a transfer of a first value from a first party to an account of an intermediary party, and by the intermediary party to transfer at least a portion of the first value to a third party; accessing reputation data associated with the intermediary party; and determining an intermediary fee chargeable by the intermediary party for the transfer of at least the portion of the first value to the third party, the determining of the intermediary fee being based on the reputation data. The reputation data can be information about the intermediary party, as well as the first party and/or the third party.

Abstract: A system and method for gathering information pertinent to a transaction for purposes of compiling an offer set of at least one offer for settling the transaction is presented. The design comprises a server configured to seek information, the server configured to seek at least one from a group comprising information related to personal data regarding a user, information related to account data regarding a user account, information related to macroeconomic data, and information related to the transaction. The server seeks all information from a source separate from the server and the user.

Abstract: A system and method for providing healthcare-related services according to which the healthcare-related services include, but are not limited to, health insurance benefit activation services and/or healthcare-related education services.

Abstract: Embodiments of the present invention include a computer-implemented method of performing a financial transaction on a network comprising storing a plurality of risk factors and associated severities in a web-enabled remote policy database, the severities defining actions taken when a specific risk factor is detected, storing a plurality of hold override policies that associate a deposit type with a hold type in the policy database, receiving deposit data including an image of a deposit check, applying the plurality of risk factors to the deposit data, and applying the plurality of hold override policies to the deposit data.

Abstract: Funds are received into an investment company from investors. The investment company approves a counterparty that wants to acquire asset exposure by means of a total return swap and the credit terms for the counterparty, including a derivatives position limit. The investment company the proposed total return swap including an identification of reference assets to which the counterparty wants to acquire exposure. The investment company approves the proposed swap based on availability of the reference assets and on transaction terms of the proposed total return swap. The investment company then purchases the reference assets with the funds and executes the swap with the counterparty. The purchasing of the reference assets and executing of the swap are performed in a manner that precludes the investment company from holding an unhedged position with respect to the reference assets.

Abstract: An exemplary method and system may include receiving one or more payment items from a plurality of payment entities, at a centralized agent, wherein the one or more payment items comprise one or more electronic images and paper instruments; aggregating the payment items into one or more categories; identifying a payee financial institution and a payor financial institution for each payment items, wherein the payee financial institution and the payor financial institution are different; determining whether the payee financial institution and the payor financial institution are within the network of financial institutions; for the payee and payor within the network, determining at the centralized agent a settlement path within the network of financial institutions for each payment item; and for the payee and payor that are not within the network, forwarding the payment items to a third party settlement entity by the centralized agent for settlement processing.

Abstract: A network-based transaction processing system allows online users to flexibly and efficiently make payments using a combination of different payment instruments. The system includes a user interface through which each user can define one or more personal payment plans. Each such payment plan specifies a plurality of payment instruments, and includes rules that specify how the monetary amount associated with a transaction is to be divided among these payment instruments. These rules may be non-transaction-specific, such that a user can re-use a payment plan over time to complete multiple transactions. In one embodiment, a user can specify an order in which the payment instruments are to be applied, and can specify per-transaction maximum monetary amounts to be charged to specific instruments.

Abstract: The present invention relates to certain methods and systems for promoting the sale of goods and services. According to certain embodiments of the present invention, such methods generally comprise the steps of (1) selling a first good or service to a customer for a discounted price that is less than a standard price, (2) establishing a sales goal (which represents an amount of desired sales of a second good or service to customers during a promotional period), and (3) issuing a credit to, or receiving a payment from, each participating customer based on a level of success achieved towards the sales goal. The invention provides that the extent to which the sales goal is achieved depends on the aggregate sales of the second good or service to the public at large, and is not dependent upon the sales or activity of any single customer.

Abstract: A system, method, and computer program product are provided for generating a variable payment authorization score. In use, a payment authorization request is received. In response, a variable payment authorization score is generated. Further, the variable payment authorization score is provided for use.

Abstract: In general, the invention relates to a method for transferring funds. The method includes receiving a request to initiate a secure fund transfer, where the request specifies a sender, a recipient, and an amount of funds to transfer from the sender to the recipient. The method further includes sending a request to verify that an account associated with the sender comprises at least the amount of funds to be transferred, receiving notification that the account comprises at least the amount of funds to be transferred, requesting a reservation of funds in the account corresponding to the amount of funds to be transferred, receiving notification of the reservation, notifying the recipient that the amount of funds to be transferred is reserved, initiating a transfer of funds, to the recipient, in the amount of the reserved funds, and receiving acknowledgment that the transfer of the funds is complete.

Abstract: A system and a method of managing and reconciling changes in the cost basis for assets is provided. More specifically, the system and the method allow asset management advisors to provide clients with investment portfolio information that is complete and accurate. Specifically, the present system and the method allow cost basis data and tax lot data to be extracted from brokerage systems and other financial instrument administration systems to enable automated reporting of changes to cost basis changes for an individual's portfolio of assets.

Abstract: Systems and methods are provided for valuing event driven option contracts. A jump diffusion based model, such as a Merton jump diffusion based model, is modified to assume arithmetic movement of an underlying price and a single jump. The arithmetic movement of the underlying price may be modeled with a Bachelier based arithmetic model. Calculated values may be used to determine margin account requirements.

Abstract: Disclosed is a securities trading program for trading individual lots of a security which can be run at a security trader's computer station. The program generates a trading screen comprising a listing of multiple bids for the security, each bid having a price, as well as a listing of multiple priced offers for the security. The bid and offer listings are active, enabling the trader to hit any one of the displayed bids or take any one of the displayed offers, for example by selecting and clicking on a displayed bid or offer. In one embodiment, the bids and offers are arranged in side-by-side columns on the trader's screen, helping the trader to rapidly overview the market for a particular security, and compare different, possibly competitive, securities by paging through level-of-interest windows for each security.

Abstract: A system and method of aggregating multiple transactions over a network-based electronic payment transaction processing system is provided. The system includes a transport-aggregating clear-text Internet transaction (TACIT) server designed to allow conventional electronic payment transaction processing systems to work over networks which rely on the Internet Protocol, and to still support the fault-tolerance and load balancing. In one embodiment, the system aggregates multiple transmission control protocol sockets into a single socket to a back-end payment processing system in a single application. The transport-aggregating, cleartext Internet transaction (TACIT) server resides on an intermediate system that is positioned between the Internet endpoints and a payment transaction processing system (TPS).

Abstract: A system is described allowing the transfer of funds, for example, from an employer to a third-party intermediary which can distribute the funds via a payroll card to an employee. The system allows a portion of the population such as that which does not use traditional bank accounts to receive funds via a payroll card at a variety of locations without the necessity of visiting the bank location of the employer to cash a check. Other embodiments of the invention allow funds to be distributed from a first party to a second party via an intermediary party.

Abstract: A method of providing an account is provided. The method includes receiving identification information associated with a user during a communication session. The method further includes communicating a request for credit information, wherein the request includes at least a portion of the identification information. The requested credit information is received and an account is approved based at least in part on the received credit information. The account is opened and access is provided to the opened account during the communication session.

Abstract: Systems and methods are provided to model financial transactions. According to some embodiments, simple events, branch events, composite events, and/or contingent events associated with a financial transaction are defined. The events may then be used to automatically manage the transaction during the transaction's lifecycle. In one embodiment, at least one simple event associated with an asset transfer is defined, including a transfer amount and a transfer date. At least one branch event associated with a set of simple events is also defined, including a branch date and a branch selector. In addition, at least one composite event associated with a plurality of the simple events or branch events is defined. The transaction may then be automatically managed during the transaction's lifecycle based at least in part on the simple events, the branch events, and the composite events.

Abstract: The present invention relates to automated decisioning for a credit request associated with an applicant. Information associated with an applicant is received. Data associated with the applicant is received from at least one data source. A user interface is configured to allow a user to provide a definition of decision rules in a near-natural language. Information associated with the decision rules is determined based on the definition of the decision rules. A selection of rule flow information associated with the decision rules is received through the user computer interface. A decision is generated based on the information associated with the applicant, data associated with the applicant from the at least one data source, the information associated with the decision rules, and the selection of information associated with decision rules. The decision is displayed.