Abstract: An Interbank Deposit Placement System (IDPS) that allows banks participating in the service to offer their customers multiple deposits so that potential deposit (fund) amounts exceeding an applicable Federal deposit insurance limit (e.g., $100,000) are fully insured. The IDPS partitions each of the potential deposit amounts into a plurality of deposit portions that do not exceed the Federal deposit insurance limit. In one embodiment, a proposed list of banks to which the deposit portions are allocated is presented to a recipient (e.g., bank representative, depositor) who is offered the option of modifying the proposed list during an established time window. After the time window expires, a deposit is established on behalf of each bank on the list to which the specific deposit portion was allocated by the processor.

Abstract: A computerized method and system involves creating an underlying database structure for recording the processing steps and other information required for each transaction, entering the necessary setup information by selection from lists of pre-stored information about processing functions, associated workflow events and milestones for the queues, mapping the data structures of the subsystem databases and the workflow management database to provide transparent interfacing and convenient manual entry of data were necessary, displaying for the user the workflow status of all transactions, permitting menu driven initiation of required actions and automatically updating the database records for the universe of deals being managed by the system.

Abstract: An automated method is provided for processing large deposits that exceed an established deposit insurance limit so that the large deposits are fully insured. The large deposits are received from a plurality of banks from their respective depositors. A processor receives orders from the plurality of banks to process large deposits. The processor prioritizes the orders for order filling based on an order matching process that simultaneously processes multiple orders as part of the order matching process. The processor partitions each of the large deposits into a plurality of deposit portions in a manner such that each deposit portion does not exceed the established deposit insurance limit. The processor assigns at least some of the deposit portions for each of the large deposits to at least some banks other than the bank that received the large deposit for deposit therein, wherein the assigning occurs based at least in part on the results of the order matching process.

Abstract: An automated method is provided for processing large deposits that exceed an established deposit insurance limit so that the large deposits are fully insured. The large deposits are received from a plurality of unaffiliated banks from their respective depositors. The method is operated by an entity that processes the large deposits using a processor. The processor receives orders sent from the plurality of banks to process large deposits. Each of the large deposits are partitioned using the processor into a plurality of deposit portions, each deposit portion not exceeding the established deposit insurance limit. The processor assigns at least some of the deposit portions for each of the large deposits to at least some of the unaffiliated banks other than the bank that received the large deposit for deposit therein. The processor receives a fee from each of the banks that sent an order and credits the fee to the entity that processes the large deposits.

Abstract: A computer assisted method of developing a hedge position for a mortgage-backed security. The method includes calculating a duration of the security based on price histories of the security and changes in yield of a benchmark security and expressing periodic changes in price of the security. The method also includes calculating a relative coupon of the security and calculating a current coupon yield of the mortgage sector. The method further includes calculating an empirical duration of the security, calculating a hedge ratio for the security, and outputting a hedge position for the security based on the hedge ratio.

Abstract: A data feed from an electronic exchange carries certain pieces of market information. Software at the trading station receives the data feed and computes an effective bid price and/or an effective ask price based on a particular quantity to trade. Then, the effective bid price and/or effective ask price are indicated to the user. An effective bid price is an average price at which a certain quantity could be sold based on current market conditions. An effective ask price is an average price at which a certain quantity could be bought based on current market conditions. Depending on the available quantities in the market, the effective prices may represent spreads different from the actual spread of the inside market. Additionally, a derivative of price, such as yield, may be used to compute other types of effective bid and/or ask information.

Abstract: A financial instrument comprises a forward contract with a first maturity date, a preferred security with the first maturity date, and a debt instrument with a second maturity date that is after the first maturity date. The forward contract is issued by a parent company, the preferred security is issued by a subsidiary of the parent company, and the debt instrument is issued by the subsidiary of the parent company.

Abstract: A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to transaction data and account identification data that is read from the card. This additional data permits the proper account to be accessed. The data may be input at the point of sale as an account selection. In this instance, the selection may be used to route the transaction data through the financial processing network or may be used to read data regarding one of multiple accounts encoded on the card. The data may also be stored as conditional routing rules at transfer points in the financial processing network. In this instance, the transaction is routed to the proper account based on the stored rules.

Abstract: A round-lot-based system for trading of securities includes a plurality of client stations for entering quotes for securities and a server process. The system receives quotes from the clients, aggregates the quotes and causes a total of all aggregated quotes to be displayed for a plurality of price levels on the client systems. The system uses a graphical user that depicts aggregated quotes in an aggregate window, and a plurality of price levels of a product traded in the market. The system also aggregates round, odd, and/or mixed lot orders into an aggregate of actual shares. The aggregate of actual shares may be placed on a book and rounded down to the nearest round lot for displaying on the round-lot-based system.

Abstract: Described is a system including a memory arrangement and a processor for graphically representing in a space data representing at least one portfolio. The memory arrangement stores a Multi-Criteria Financial Optimization (“MCFO”). The processor solves the MCFO to generate data corresponding to a set of portfolios. The processor selects vertex points corresponding to a set of components of the portfolios. The processor defines coordinates of the vertices on a chart and plots the vertices as points on the chart. The processor defining a projection vector-function using coordinates of the vertices and selecting a subset of the portfolios on the chart. The processor computing coordinates for the portfolios in the subset using the projection vector-function and a weighting corresponding to the portfolios. The processor plotting points corresponding to the portfolios in the subset on the chart using the computed coordinates.

Abstract: A computer-implemented method includes receiving item data at a network-based computer system, the item data related to an item categorized in at least a first category of a plurality of categories supported by the network-based computer system and including an item price-based value associated with the item. A category-specific threshold price-based value, for the first category of the plurality of categories supported by the network-based computer system, is automatically determined. The item data is automatically determined to the irregular, based on the item price-based value associated with the item and the category-specific threshold price-based value for the first category of the plurality of categories supported by the network-based computer system. Responsive to the determination that the item data is irregular, an entity associated with the item is restricted from using the network-based computer system.

Abstract: An insurance product model comprising insurance policy metadata is provided (101) in a computer memory. The insurance policy metadata may comprise, at least in part, data that describes information that comprises a given corresponding insurance policy. A computer then serves to substantively interpret (102) this insurance product model to facilitate obtaining supplemental policy-specific data. The supplemental policy-specific data and the insurance policy metadata comprise separate and discrete data models and may, if desired, be stored (103) separately from one another. So configured, these teachings further support using (104) the insurance product model and the supplemental policy-specific data to facilitate an insurance-related action.

Abstract: A system and method are provided for modifying how market updates are provided in an electronic trading environment upon detecting one or more triggering events. One example method includes defining an event to be used to trigger modification of how market updates are provided to a client entity, receiving a market update from an electronic exchange, and, when the event is detected, modifying how the market update is provided to the client entity. As an example, the modification of how the market update is provided to the client entity may include providing less data in relation to market updates, and sending the market updates less frequently.

Abstract: A system, computer product and method are provided for providing business travel and expense benchmarking analysis. A first data storage receives and stores travel data for peer entities. A second data storage receives and stores expense transaction data for the plurality of peer entities. A data storage server aggregates the metrics of the travel data and the expense transaction data of the plurality of peer entities, generating aggregated travel and expense data. A processor compares a travel and/or expense transaction metric of an individual entity to a corresponding metric of the aggregated travel data and expense transaction data and a communications interface electronically communicates the result of the comparison to a client host computer.

Abstract: Systems and methods of conducting financial transactions are disclosed. One method disclosed comprises receiving prices from a plurality of providers, updating a database of providers based at least in part on the received prices, and arranging the prices in the updated database of providers by arranging bid rates in a first order, arranging offer rates in a second order, and resolving a tie.

Abstract: A platform supports multiple processes, including market processes having respective market methodologies, trading processes having trading methodologies, platform processes providing services to the market processes and trading processes, and representation processes for coupling the market processes to external markets. The trading processes interact with each other and with external markets through the market processes.

Abstract: A method and system for providing real estate information to users, tailored to requirements and fields relating to the location of the property. A single repository, such as a database or database farm, is used with middle tier software on servers on a network, such as the Internet, to provide information to users via user terminals coupled to the network, for particular properties, and to receive information for properties for addition to the database. Information and fields specific to locations are input to the system via a system operator. User terminals utilize either downloaded software to interact with the middle tier, or a network browser. In one variation, the middle tier software is based upon an open standard, such as an open Application Program Interface standard, so as to allow access for a variety of terminal types and software.

Abstract: Preferred embodiments of the subject invention comprise: (a) electronically receiving securities order-related data regarding a set of securities market participants; (b) electronically storing the received order-related data regarding the set of securities market participants; (c) electronically receiving a securities order-related query (or order parameters) from a first securities market participant; (d) based on the order-related query (or order parameters) received from the first securities market participant and on the securities order-related data regarding the set of securities market participants, computing a dissemination list of securities market participants based on ranking likely contras by probability of execution; and (e) transmitting that dissemination list to an entity who has been granted the privilege of receiving such lists in exchange for being contractually bound to respect confidentiality of the dissemination list and to use the list only for the purpose of sending securities-related i

Abstract: A reprice-to-block order and related market center and process are disclosed which automatically reprice a posted limit order to the price of a block trade executed at an inferior price on a market away from the market center that posted the limit order.

Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also enables the allocation of a portion or all of a charge or loyalty points to different transaction accounts issued by different issuers, or to sub-accounts.