Abstract: In general, the present disclosure includes a system, method and architecture for use in analyzing content of a social network data to identify a financial market trend, e.g., a trend associated with a financial market instrument.

Abstract: A method of and system for terminating or assigning outstanding OTC derivative transactions between a plurality of financial institutions (banks). The system comprises: a processing station arranged to receive transaction data describing a plurality of transactions from a plurality of banks via the Internet. The processing station comprises: a linking module for linking different versions of the same transaction received from different parties to that transaction; an analysis module for determining a set of linked transactions between a plurality of different banks, wherein each bank has debts and claims towards other banks in the set; a calculation module arranged to calculate an aggregated value of each set of linked transactions and select the set of linked transactions which has an aggregated value within bank-specified tolerance limits acceptable for executing a termination; and an execution module for executing a termination or assignment of the selected set of linked transactions.

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 method and system for providing intelligent targeted budget analysis and recommendations based on financial data from similarly situated individuals whereby financial data associated with multiple individuals is obtained and analyzed to identify financial profile elements associated with each individual. Data indicating the financial profile elements associated with the each of the individuals is stored in a financial profile database. The financial data associated with a given individual is then also obtained and analyzed to identify financial profile elements associated with the given individual. The financial profile elements associated with the given individual are then used to search the financial profile database to find one or more individuals that are financial peers of the given individual.

Abstract: A computer implemented method for administering a sales transaction, including: receiving consumer transaction requirements and seller transaction requirements within one or more established transaction parameters; filtering the consumer transaction requirements based on the seller transaction requirements and producing a subset of consumer transaction requirements based on the filtering; receiving bids from potential sellers, wherein the bids are limited to a predefined number and type of variables; displaying the bids to potential sellers and receiving subsequent bids; displaying a plurality of the bids and the identities of the potential sellers that correspond to the displayed bids to one or more potential consumers; and receiving from the one or more potential consumers an acceptance or rejection of one or more of the displayed bids.

Abstract: Order flow information is used to provide traders with an enhanced market data feed. The external market data are overlaid with detailed internal customer order flow data to produce an enhanced virtual order book that more accurately reflects the best price and quantity available to traders at the receiving location and also the market liquidity behind that current best price. If a market impact overlay processor at a particular location closer to the exchange has access to customer order flow data from other more remote locations, the resultant enhanced virtual order book may not only be shared with traders at the closer location but also may be broadcast to market impact overlay processors at the remote locations, which may further enhance the shared data with more recent customer order flow data that would have not been received at the closer location at the time the enhanced data was broadcast.

Abstract: An issuing system for issuing unmodifiable and/or unforgeable hardcopy documents or securities includes a server and a plurality of issuing machines connected to the server via a network. Each of the issuing machines receives an ID recording medium provided by a potential purchaser, retrieves an identification recoded in the received ID recording medium, requests the potential purchaser to input request for a transaction of the security or fixed rate financing instrument, processes the requested transaction by retrieving information via a network from the server, and prints out on demand a hardcopy of the security or fixed rate financing instrument as purchased by the potential purchaser and a checksum thereon. A method for forming a new market with the issuing system.

Abstract: A system and method for maintaining a pre-defined score distribution for financial transactions are disclosed. A number of memory spaces are defined for a memory structure. Transaction data for the financial transactions is received by the system. Each of the financial transactions is scored based on the transaction data to generate a batch of scores for the financial transactions. A score range is divided into k bins, where each of the k bins representing one memory space of the memory spaces of the memory structure. The batch of scores are aggregated by storing a count of each score of the batch of scores in an associated memory space of the plurality of memory spaces, and a percentile is computed for each score in the batch of scores based on a set of values associated with the count of each score. Each new financial transaction is scored to generate a new score, and a new percentile is assigned to the new score according to the set of values.

Abstract: A method for managing an investment vehicle. The investment vehicle issues multiple debt instruments to a plurality of investors. The debt instruments have different liability characteristics. The proceeds of the debt instruments are invested in assets. From time to time, liabilities on the debt instruments and the credit quality of the assets is reevaluated, to ensure that the cash flows generated by the portfolio, disregarding fair market value of the assets, will be sufficient to pay timely principal and interest on the liabilities based on the evaluation criteria of two different rating agencies. In response to the reevaluating, the capital structure of the investment vehicle is adjusted to maintain a desired agency rating for the debt instruments.

Abstract: Systems and methods for presenting fraud detection information are presented. In one example, a computer system analyzes empirical data to detect potentially fraudulent activity and alerts users of the potentially fraudulent activity via a fraud detection user interface. The fraud detection user interface determines a set of user interface components to suitable to present the potentially fraudulent activity and presents facts associated with the potentially fraudulent activity to a user for further analysis and investigation.

Abstract: This invention includes methods for delivering account management services to multiple financial institutions that provide for customer deposit accounts without transaction but than nevertheless offer interest and receive enhanced deposit insurance. The methods apply at least one customer transaction to that customer's deposit account, and then re-allocate customer-deposited funds among the plurality of financial institutions in order that, for each customer, the risk of loss is not substantially increased, and that, for each financial institution, the amount of customer-deposited funds is not substantially decreased. Preferably, risk of loss is reduced by increasing the fraction of each customer's deposited funds covered by FDIC deposit insurance, and interest and enhanced insurance are available by innovative management of customer transactions and accounts. This invention also includes computer systems for practicing the methods and program products for accordingly configuring such computer systems.

Abstract: A method and a system for determining a risk of losses, which can be implemented as a computer-implemented method and a computer system for determining for an institution the risk of losses associated with a line of business.

Abstract: This invention includes methods for delivering account management services to multiple financial institutions that provide for customer deposit accounts without transaction but than nevertheless offer interest and receive enhanced deposit insurance. The methods apply at least one customer transaction to that customer's deposit account, and then re-allocate customer-deposited funds among the plurality of financial institutions in order that, for each customer, the risk of loss is not substantially increased, and that, for each financial institution, the amount of customer-deposited funds is not substantially decreased. Preferably, risk of loss is reduced by increasing the fraction of each customer's deposited funds covered by FDIC deposit insurance, and interest and enhanced insurance are available by innovative management of customer transactions and accounts. This invention also includes computer systems for practicing the methods and program products for accordingly configuring such computer systems.

Abstract: A system, method and program product for managing funds, comprising: databases comprising: aggregated transaction account information for plurality of FDIC-insured and interest-bearing aggregated deposit accounts, and client transaction account information; first computation engine for computing respective excess amount by which a balance of funds from that client transaction account exceeds specified amount; first allocation engine allocating respective excess amounts to one or more aggregated deposit accounts in one or more other financial institutions; second computation engine for determining first amount comprising a sum of a plurality excess amounts to one or more aggregated deposit accounts; second allocation engine for allocating to the one financial institution second amount based on a difference between a sum of funds deposited in the one or more aggregated deposit accounts and sum of current balances from the primary client transaction accounts associated with the one financial institution; update

Abstract: A system and method for calculating and applying insurance costs. For vehicle insurance under one embodiment of the present invention, insurance costs are calculated on a per-mile basis in a nonlinear fashion, assigning different levels of risk based upon the distance driven by a customer. In one embodiment of the present invention, the first miles or kilometers driven by a customer are assigned a greater level of risk than later-driven miles or kilometers. The present invention provides an actuarial method that more closely conforms the cost of insurance for a particular vehicle to its annual mileage by creating a Rate Per Mile Factor (RMF), where the RMF is expressed as a function of annual mileage.

Abstract: The present Invention provides a system of transferring and utilizing reusable credit including a server having at least one database, at least one credit account having at least one line of credit, at least on© request for transfer, a reusable credit transfer processing (RCTP) system, a reusable credit accounting and transaction processing (RCATP) system and a reusable credit-merchant acceptance (RCMA) system whereby the system of transferring and utilizing reusable credit provides a means for enabling a sender to transfer reusable credit to a recipient for the purchase of goods/services and/or payment to another third party.

Abstract: A system, method and computer program product is described that matches commercial incentives to consumers based on targeting data associated with the commercial incentive and user data associated with consumers in a manner that advantageously allows for highly-targeted delivery of commercial incentives to the consumers that are most likely to use them. Because both the targeting data and the user data may include spatial, temporal, social and topical data, matching may be performed based on any or all of these data types, as well as based on any combination of these data types.

Abstract: Some embodiments include systems and methods for linking a card with a merchant account. A financial institution that issues the merchant card to a merchant acts as both issuer and acquirer for the merchant. The merchant uses the merchant card to accept other financial cards as payment. Funds due the merchant are added to an available balance of the merchant card rather than depositing the funds in a settlement account. The funds can be added to the available balance before the transactions settle and can be accessed by the merchant. The financial institution also authorizes transactions when the merchant uses the merchant card as a regular cardholder to make payment. The merchant name can be changed on a per transaction basis if desired.

Abstract: A system and methods for dynamically changing a trade order quantity in an electronic trading environment are described herein. According to one example embodiment, an automated trading tool determines if a leaned on quantity of a trading strategy has increased or decreased and if so, dynamically changing a desired order quantity to reflect the change in the leaned on quantity. Dynamically changing an order quantity may be more profitable for a trader as order queue position may be maintained and portion of the desired order quantity may get filled; rather than a trader losing their order queue position and/or taking a chance of not getting any of their order quantity filled.

Abstract: A system and method for providing a linear spread in an electronic trading environment are described. According to one example embodiment, a trading system can receive market information associated to a trading strategy, known as a spread. The trader may also define a market volatility parameter to utilize in the calculation of a linear spread price axis. The received market information and a divide spread algorithm are also used to determine the linear spread price axis. The trading application determines a linear spread price axis, at which price levels are separated by consistent linear tick increments. The linear spread price axis allows for more efficient and effective trading in the electronic trading environment especially when certain tradeable objects are traded or when certain spread algorithms, like the divide spread algorithm, are utilized.