Abstract: One or more financial accounts associated with a user are designated for balance monitoring and balance display. Balance increments are then defined and a unique balance indicator image, symbol, or display, is associated with each defined balance increment. One or more websites, and/or applications, are then designated to display the balance indicator images, symbols, or displays, and whenever one of the designated websites or applications is accessed, data indicating a current balance in the designated one or more financial accounts is obtained. The current balance amount is then encoded using the appropriate balance indicator image, symbol, or display, and the appropriate balance indicator image, symbol, or display, is displayed on a display device associated with the user computing system as part of, on, in, or through, the accessed designated website or application.

Abstract: Rooms, structures, vehicles, and other objects can be accurately diagrammed, often without performing a physical on-site inspection. Photographs of a room, structure, vehicle, or other object are uploaded to a computer having a processor. A base calibration measure is determined for a room, structure, vehicle, object, or component thereof, depicted in the photographs using at least one known dimension for items observable in the photographs. The base calibration measure is then used to determine dimensions of other areas, items, or objects depicted in such photographs, and to create at least one scale diagram of the subject matter of the photographs. Damages areas of the structure/vehicle/object can be assessed from the scale diagram. The scale diagram can then be used to calculate appropriate insurance payment amounts for damage claims.

Abstract: The present invention relates generally to systems and methods for monitoring driving behavior and providing feedback to the driver. The systems evaluate driving behavior and relay feedback to the driver in a fashion that is customized to take into account individual characteristics and demographic characteristics of the driver.

Abstract: A method and system is provided for establishing credit on an automatic vending machine or vending device. A currency amount or a number of credits is established on a vending device in order to obtain a product, service or access time from a vending device using a cellular telephone, or other personal wireless communication device. The personal wireless communication device activates an applet, which may be downloaded at the site, to establish a link with a vending machine universal wireless interface coupled to the vending machine device controller and also establishes a link with a remote server for authorizing credit for a vending transaction, which allows the vending transaction to take place.

Abstract: An advanced underwriting and risk evaluation system leverages data from utility based metering devices and other IP addressable devices, and machines to provide real time operational and usage data. The data is used by an insurance entity to modify and adjust insurance coverages and premiums in the case of certain usage exceptions and conditions in view of an underlying policy coverage.

Abstract: The trading of interest rate swaps or other interest rate derivatives gives rise to mismatch exposure. This can be offset by a series of FRA trades. Rather than conducting a series of exposure neutral trades, FRAs can be bought or sold for the entire amount of a trader's reset exposure. To hedge the offset trades, a series of IMM FRA trades are conducted. The relative size of the IMM contracts will be determined by the distance in time from the IMM quarterly contract settlement date. A system is disclosed for performing offset trades and IMM hedges. The embodiments allow for non-neutral trading and subsequent hedging brings trading back to a neutral position.

Abstract: A system/method of determining a cost of workers compensation insurance for a selected period based upon monitoring, collecting and communicating data representative of a risk's payroll characteristics during said selected period, wherein the cost is adjustable by relating the payroll characteristics to predetermined actuarial rates. The system/method: determines an initial profile and a base cost of workers compensation insurance, monitors data elements representative of payroll and business status of a risk during the selected period; identifies and analyzes data elements that have a pre-identified relationship to the risk's insurability; consolidates the analyzed data elements for identifying a surcharge or discount to be applied to the base cost; and produces a final cost of workers compensation insurance for the selected period from the base cost.

Abstract: A system and method are provided for facilitating the amending of syndicated loans. Authorized users are registered in connection with their respective funds invested in the loan. Fund registration data is received for each fund and includes the fund holding amount and whether the fund is of the single or dual signature type. Authorized users may vote supporting, opposing or conditional with regard to the proposed amendment. A calculation is performed to anticipate the voting outcome before the amendment deadline. If the amendment is anticipated to pass, the conditional votes are converted to supporting votes. Typical embodiments provide for an Internet-enabled interface through which authorized users may enter or change their vote while monitoring the real-time status of the amendment. Agents may be automatically provided fund consents for each fund ending up with a supporting vote in a passing amendment. Funds may be automatically notified of the consent fee earned.

Abstract: There is provided a rebalancing tool and method that enables an advisor to monitor client account performance against a client account model, receive alerts out-of-balance client accounts, and preview rebalancing hypothetical results. The rebalancing tool enables the advisor to perform the steps of creating a client model via a web interface and compare the client account against the client model at the asset class level. The rebalancing tool can display out-of-balance client account alerts and out-of-balance client accounts on a rebalancing tool page, and enable a user to test a rebalancing hypothetical that includes modifications to the percentage asset allocation or percentage tolerance threshold at the asset class level, and planned trades to the client account. The rebalancing tools enables a user to prepare rebalancing hypothetical results that may then be presented to the client for approval.

Abstract: A system is disclosed for determining a cost of workers compensation insurance for a selected time period based upon monitoring, collecting and communicating data representative of the risk's business characteristics, whereby the cost is adjustable by relating the business characteristics to predetermined standards. The system predetermines a risk profile and a base cost of workers compensation insurance based on said risk profile, monitors a plurality of data elements representative of an operating state of the risk or a payroll modification during the selected time period, collects selected data elements out of the plurality of data elements when said ones are determined to have a pre-selected relationship to the risk's business operations, consolidates the selected ones for identifying a surcharge or discount to be applied to the base cost, and produces a final cost for the selected time period from the base cost and the surcharge or discount.

Abstract: A system/method implemented at an insurance company estimates a final premium charge and more accurate real time estimate during the lifetime of the policy for workers compensation insurance associated with a risk based on: receiving real-time payroll data associated with the risk; monitoring the received real-time payroll data to identify and record raw data elements that have an identified relationship with any of, or a combination of, the following: the risk's business operation, insurability of the risk, character of the risk, or rating parameters associated with the risk's policy; and determining the final premium charge of workers compensation insurance for the risk based on a premium modification that increases or decreases a premium charge based on an evaluation of the recorded raw data elements.

Abstract: A system for monitoring a business's operational characteristics and employee classifications, in real time, to obtain increased amounts of data relating to the total compensation for purposes of providing a more accurate determination of a cost of insurance for the risk, on a real-time basis, and to bill such charges directly to the risk according to their unique finance plan in direct relation to their payroll cycle.

Abstract: A rule generation system facilitates the dynamic generation of rules for an insurance claim processing computer system. The rule generation system includes various modules and graphical user interfaces that provide a streamlined mechanism for creating new rules for the insurance claim processing architecture. The rule generation system may include various levels of usability that distinguish between an advanced user of the rule generation system and basic user that uses the generated rules. The rule generation system may also include graphical user interfaces directed to adding, editing, removing, or maintaining rules for the insurance claim processing computer system.

Abstract: A method of computerized monitoring of investment trading includes providing historic trading data for a specific trader, selecting a plurality of trading parameters for the specific trader and obtaining current information regarding the selected parameters, and/or providing historic trading data and applying rules to the current information and/or historic trading data to determine if a rules violation has occurred. The system may be employed to monitor whether market timing of mutual fund investments has occurred. A corresponding computerized system is disclosed.

Abstract: A method of computerized monitoring of investment trading includes providing historic trading data for a specific trader, selecting a plurality of trading parameters for the specific trader and obtaining current information regarding the selected parameters, and/or providing historic trading data and applying rules to the current information and/or historic trading data to determine if behavior of interest which may involve a rules violation, a departure from the rules which is not technically a violation or a potential departure from the rules which might make desirable further investigation has occurred. The system may be employed to monitor whether market timing of mutual fund investments has occurred. A corresponding computerized system is disclosed.

Abstract: A multi-agent system is provided for automatically acquiring desired information from one or more information sources. The multi-agent system includes a plurality of data provider filter agents associated with the one or more information sources. The data provider filter agents are configured to search for the desired information within the respective information sources based on an assessment of the one or more information sources. The multi-agent system also includes a content extraction agent configured to acquire a plurality of articles containing the desired information from the one or more information sources based on the search.

Abstract: A method for automated processing of deposit items at a computing device is described. A deposit item, such as case, a personal check, or certified check, is received at a computing device. The deposit item may represent a request to deposit funds of at least one monetary item into a user account, such as a checking or savings account. A computer associated with the computing device determines whether to hold the funds of the at least one monetary item from deposit into the user account. If it is determined to hold the funds, an amount of the funds to hold and a time period in which to hold the amount of funds may be determined.

Abstract: Method and system for credit decisioning using activity based costing and compartmental modeling. Credit product profitability for a financial institution using credit scorecards is improved by providing an analysis that results in a recommended credit cutoff score for a particular loan product. The selected cutoff score is determined with input including pass and bad rate parameters for the pertinent scorecard, workflow analysis for the loan process, compartmental modeling of the workflow, and activity based costing (ABC) for the workflow. In some embodiments, data related to portions of the analysis for a particular scorecard is saved for re-use, so that a new cutoff score for a particular type of loan can be determined relatively quickly and easily if only the financial institution's costs have changed.

Abstract: Personal qualified dividend income (QDI) is calculated for one or more investors for mutual fund dividend distributions made to accounts of the investors from one or more mutual funds. Personal QDI information may be automatically generated and provided to investors. A similar process may be performed for brokerage accounts that hold individual stocks.