Abstract: Universal cards are used in place of all the other traditional cards which a person may want to carry. The universal card can include a short range communications transceiver to communicate with a mobile device. The mobile device can include a user interface and an e-wallet application so that the user can interface with the e-wallet application for programming the universal card via the short range communication link. Once programmed, the universal card emulates a function of a traditional card.

Abstract: A computerized system for funding third-party-administered insurance claims includes at least one processor configured to provide a claim data throughput module for receiving at least one claim transaction from at least one third party administrator, an administrative services module for receiving at least one bank transaction from at least one third party administration, for passing at least one bank transaction to a bank, and for receiving at least one paid file from a bank, and a transactions matching engine for validating at least one bank transaction based upon at least one claim transaction, and for determining completion of at least one bank transaction based upon at least one paid file.

Abstract: A method and system of inspecting advertising contents of a keyword advertisement is provided. The method includes: crawling a Universal Resource Locator (URL) registered by an advertiser and extracting a URL keyword related to an advertisement site of the advertiser; extracting a target keyword from a plurality of advertisement information being registered in relation to the URL; and determining further inspection-required advertisement information through keyword comparison between the extracted URL keyword and the target keyword, the further inspection-required advertisement information having low relevance to the advertisement site.

Abstract: Universal cards are used in place of all the other traditional cards which a person may want to carry. The universal card can include a short range communications transceiver to communicate with a mobile device. The mobile device can include a user interface and an e-wallet application so that the user can interface with the e-wallet application for programming the universal card via the short range communication link. Once programmed, the universal card emulates a function of a traditional card.

Abstract: In some embodiments, a method for processing a safe transaction includes receiving at a safe a first deposit of currency from a first user. Identification information is received from the first user. The identification information identifies the first user, an amount of the first deposit, and an account of the first user with a first financial institution. Transaction information is transmitted to the first financial institution. The transaction information provides information to the first financial institution of the first deposit to facilitate the first financial institution crediting the account of the first user.

Abstract: Systems and methods for enrichment of data associated with risk prediction. Data may be enriched by incorporating one or more aspects of consumer credit, collateralized debt, mortgage, real property, and loan data for use in systems, products, and methods relying on risk prediction models to maximize the effectiveness of the risk prediction. A time-series of consumer credit data may be provided to provide historical context to data. In a particular application, enriched data is leveraged to predict occurrence of an event relating to underlying assets of a structured security, such as a mortgage-backed security. Other systems and methods are disclosed.

Abstract: A computer-assisted method is provided for verifying identifying data of a customer of a financial institution. The method includes receiving the identifying data of the customer in a customer processing system of a customer identification program; applying at least one of a customer matrix or a scenario matrix to the customer identifying data for determining applicability of the customer identification program to the customer; searching at least one record of the customer identifying data with at least one government list function; and, communicating at least one record of the customer identifying data to at least one verification vendor.

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: Systems and methods for integrated computerized financial management are presented. Financial information from disparate systems is made available to an operator through a user interface that presents a unified view of financial information from such disparate systems and enables the operator to make and execute upon financial decisions. The operator utilizes an operator computing platform to access the financial information, and may be directly or indirectly connected with one or more databases containing financial information through various networking modalities configured to operate together in the unified presentation schema. Portable computing devices and reduced content variations of user interfaces may be utilized to enhance accessibility.

Abstract: The present invention relates to methods, systems and computer readable media for generating a financial score. In an embodiment, the method for generating a financial score comprises collecting and aggregating sets of data, estimating income paths based on the collected data, determining risk associated with the income path and generating a financial score. Exemplary systems and computer readable media include program code for executing a method for generating a financial score and processing financial instruments on a network.

Abstract: Systems and methods are provided for executing a plurality of money transfers, at least one term of which is dependent on the value of a fluctuating parameter, for example a currency exchange rate or the amount of a transaction service fee. The customer may stage a first money transfer at a money-transfer system and a first value of the fluctuating parameter may be determined by a host processor. The first money transfer may then be executed by the money-transfer system using the first value of the fluctuating parameter and a unique lock-in value identifier may be stored in the host processor's memory that associates the first value of the fluctuating parameter with the customer.

Abstract: Some embodiments may provide a method comprising receiving an identification of an entity from a network-based commerce system and receiving authentication data associated with the entity from the network-based commerce system, a combination including the authentication data and the identification being operable to facilitate a transfer of value affecting a first account associated with the entity, the transfer of value further affecting a second account associated with the network-based commerce system, the authentication data and the identification of the entity being insufficient for the network-based commerce system to identify the first account.

Abstract: Methods for deferring settlement of a transaction are disclosed. A server computer receives an authorization request message for a transaction. The server computer then receives an authorization response message for the transaction. The server computer then receives a deferred settlement indicator for the transaction.

Abstract: A computer-implemented method of engaging in a transaction between a merchant and a business entity. The method includes: initiating a transaction by the business entity with a merchant; obtaining, by the merchant, a business entity data set including at least one data field; communicating an authorization request from the merchant to a provider, the request including at least one data field from the business entity data set and at least one field from a transaction data set; establishing a credit-based relationship between the provider and the business entity; communicating an authorization response from the provider to at least one of the merchant and the business entity; and engaging in the transaction between the provider and the business entity based at least in part upon the established credit-based relationship. A system and apparatus are also disclosed.

Abstract: A method of providing advertising content using a group training system (GTS) includes transferring first advertising content from an advertiser system (AS) to a first GTS by an advertising content service provider system (ACSPS), transferring payment from the AS by the ACSPS as compensation for the first advertising content being displayed on a multi-user display associated with the first GTS, and transferring payment from the ACSPS to an entity associated with the first GTS as compensation for the first advertising content being displayed on the multi-user display associated with the first GTS. An advertising content service provider system (ACSPS) includes a processing device and a memory device.

Abstract: A first method comprises receiving at a computer apparatus an authorization request message comprising a first merchant identifier. The request message may also comprise an account identifier associated with an account and a first transaction amount for a first transaction conducted with a first merchant. The first method further comprises determining, by the computer apparatus, if an account comprises merchant specific currency associated with the first merchant that may be used to conduct the first transaction. It may then be determined if there is sufficient merchant specific currency associated with the first merchant in the account to pay for the first transaction amount. If there is insufficient merchant specific currency associated with the first merchant to pay for the first transaction amount, then non-specific currency in the account is applied automatically to a remainder of the first transaction amount.

Abstract: A web application may be used to take an on-line application for an annuity. The application may collect the applicant's personal information (e.g., name, address, etc.), type of annuity applied for (e.g., immediate or deferred, retirement or non-retirement, etc.), sources of funding, beneficiaries, etc. The web application may also allow the application to be signed electronically. The web application may take application for annuities that are supported by various different types of back-end systems, and may provide the information collected from the applicant to the appropriate back-end system.

Abstract: Universal cards are used in place of all the other traditional cards which a person may want to carry. The universal card can include a short range communications transceiver to communicate with a mobile device. The mobile device can include a user interface and an e-wallet application so that the user can interface with the e-wallet application for programming the universal card via the short range communication link. Once programmed, the universal card emulates a function of a traditional card.

Abstract: A Health Security Organization (HSO) service method and system provides healthcare service vouchers which allow an individual or an entity to purchase and store shares which correlate to CPT (Common Procedural Terminology) codes and are exchangeable for healthcare purposes. The shares can be purchased individually or in bulk packages and are transferable through a provider or provisionary of healthcare needs including pharmaceuticals. The shares are transferable, non-expiring, and usable at any health care provider willing to exchange the shares for currency in a similar fashion to an exchange of services with an insurance or credit card holder. The share transfer provides immediate payment for services rendered. Additionally, the cards can be utilized in such a fashion that if repetitive services are needed they can be acquired in a more economical method via bulk purchasing. Share transfers are redeemed by a member and provider via internet accessible computer system.

Abstract: A method implemented by a first party to facilitate a sale by a second party of at least a subset of a set of items includes contractually committing, at a first time, to the second party to purchase title in the item subset, generating a displayable user interface accessible over a network to the second party, the user interface operable to allow the second party to input information describing the items, receiving the information over the network, and issuing via the network, at a second time of the first party's choosing and subsequent to the first time, a purchase order to the second party for the item subset. Alternatively, the purchase order may be issued by the second party at a second time of the second party's choosing and subsequent to the first time.