Abstract: A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by providing consistent interfaces that are suitable for use across industries, across businesses, and across different departments within a business during a business transaction.

Abstract: Provided are computer implemented methods for rewarding a user of a web-based application, comprising: providing a web-based application accessible by a plurality of users via an interface, wherein the application interface provides for user-directed posting and retrieval of content relating to the application; monitoring use by the plurality of users of user-specific content; assessing a value of the user-specific content; determining an incentive or reward, based on the assessed value of the user-specific content; and providing the specific user with the determined incentive or reward. Also provided is a computer network apparatus or system for rewarding a user of a web-based application. Further provided are methods of data mining, comprising: providing a web-based application (e.g.

Abstract: To save mortgage originators and real estate professionals time and money in working with title insurance companies and to ensure consistent and efficient compliance with consumer protection laws, the present inventor devised, among other things, systems, methods, and components that facilitate the selection, offering, and/or processing of title insurance and real estate closing-cost documentation. One exemplary system provides a specialized quote engine and a database of title companies and their fee structures, enabling real estate agents, mortgage originators and consumers to rapidly identify and select among a set of available title companies for specific prospective real estate transactions based on prices and other relevant criteria, such as agent or loan originator title-company preferences, and/or title-company promotional offers.

Abstract: Inputs of target values and performance values of the MBA index, the MOS index and the MOS index are accepted, three axes passing through an origin and orthogonal to each other are set, target vectors and performance vectors of the enterprise value based on the respective indices are rendered on three-dimensional coordinates of which the three axes are an MBA axis, an MOT axis and an MOS axis, resources for attaining targets of the respective indices in a second evaluation period are reset based on allocation rates of an allocation table if a divergence between the target value and the performance value in a first evaluation period is large, and reset results are output.

Abstract: Apparatus and methods for providing a dynamic payment generator are provided. A customer of a financial institution may desire to conduct a transaction involving a transferor or transferee financial institution without prior knowledge regarding unique and specific information required by the transferor or transferee institution. In some embodiments, apparatus and methods may detect information entered by the customer and dynamically prompt the customer for additional information required by the transferor or transferee institution. Apparatus and methods may pre-fill fields on a form displayed to the customer with information required by the transferor or transferee institution.

Abstract: The present disclosure relates to household portfolio simulation and analysis to provide retirement income. In particular, it discloses advanced technologies for modeling, simulation and analysis of potential economic futures, as applied to household retirement prospects. Improved modeling may capture factors such as concrete objectives of participants' priorities among objectives, risk adversity and starting conditions that impact tax consequences of transactions. Improved modeling may address consistency among similar factors, tax consequences in simulation periods and transactions in real estate and private investments. Improved analyses may apply a margin of safety and/or risk budget analysis to a household portfolio to produce a meaningful presentation.

Abstract: A method of providing control preferences for a prospective Internet user, the method comprising the steps of establishing a first account, the settings of the first account being stored in a database; establishing a second account, the settings of the second account being stored in the database; linking the first and second accounts such that control settings of the second account are determined through the first account; and making a purchase from the second account consistent with the control settings of the second account.

Abstract: Providing for a mobile communication device (MCD) credit account and credit transactions by way of such an MCD is described herein. As an example, a credit account sponsored by a financial or commercial entity can be associated with a unique ID of an MCD. The MCD can interface with another electronic device and initiate credit transactions, such as commercial purchases, credit transfers, currency conversions, and the like, via the interface. Further, rules provided by the sponsoring entity can guide such transactions, enforcing credit limits, for instance. A management component can then synchronize transactions conducted by the device with a server of a financial institution over a remote communication interface, such as the Internet or a cellular/mobile communication network. Accordingly, a mobile device can replace a traditional credit card in transacting credit business.

Abstract: Systems and methods for facilitating financial transactions over a network include a merchant device, a client device and a payment processing device. The merchant device is adapted to allow a merchant to provide items for purchase via the network. The client device is adapted to allow a user to access the merchant device via the network and view the items for purchase. The client device is adapted to provide a payment mechanism to the user. The user generates a purchase request for an item by selecting the one item, dragging the item to the payment mechanism, and dropping the item over the payment mechanism. The payment processing device is adapted to receive the purchase request from the client device via the network and authorize the user to purchase the item from the merchant based on information passed with the purchase request.

Abstract: The disclosed embodiments provide trading circles. An example method includes defining a group having a plurality of members, wherein one or more of the plurality of members interacts with an exchange that facilitates market transactions; detecting a first interaction of a first group member with the exchange; and communicating, in response to detecting the first interaction, data related to the first interaction to a second group member before the first group member receives confirmation of the first interaction from the exchange.

Abstract: Systems and methods for performing money transfer transactions via a wireless communication device, such as a cellular phone, are provided. The wireless communication device may be associated with, or automatically linked to, at least one payment source account. The wireless communication device may be associated with at least one pre-paid payment source account. In one example, the wireless communication device is a pre-paid cellular phone and/or is associated with a pre-paid money transfer account. The wireless communication device may access a pre-directed phone number, e.g., *55, to access a money transfer service provider. Once connected to a money transfer service provider, a user may initiate a money transfer via the wireless device, which is optionally paid to a payee in-person at a money transfer service provider location.

Abstract: Processing and charting security exchange trading and market information shows security traders if current transactions originated as buy orders or sell orders, and simultaneously indicates traded quantity. Security exchange trading information is received that includes the price, volume and time of each trade. In addition, security exchange market information is received from buyers, specifying bide prices and quantities, and from sellers, specifying asking prices and quantities. The security exchange trading and market information is processed simultaneously and displayed as a continuously updated real-time chart depicting the exchange auction process whereby buyers and sellers agree to trade at specified prices, including details of individual transactions. The chart is formed by plotting each trade at the price traded, and for each plot point shows a distinctive icon indication whether the transaction was initiated by a buyer or seller.

Abstract: Effecting an electronic payment from customers to vendors over the Internet is disclosed. A vendor offers a product to potential customer over the Internet. A customer browsers the Internet and the customer has a mobile cellular phone configured to receive premium rate mobile terminating text messages. Transaction details are transmitted from the vendor to the browsing customer. Order details are then transmitted from the browsing customer to the vendor that require a payment to be made by the customer. In order to effect payment, a plurality of premium rate text messages are transmitted to the mobile cellular phone.

Abstract: A system and method for funding a collective account such as a charitable account includes issuing a plurality of financial instruments, linking the financial instruments to the collective account, aggregating individual financial instrument usage, calculating a bonus or other reward based on the aggregate financial instrument usage and funding or distributing the reward to the collective account. According to the invention, members of a civic, charitable, political or other entity may generate collective rewards or other benefits which may be attributed to the designated organization.

Abstract: Systems and methods are disclosed herein for pricing an insurance premium based on a vehicle trip similarity score. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores telematics data received from a sensor within a vehicle. The telematics data includes at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to compute a similarities score based on the telematics data. The processor is also configured to determine a price, price adjustment, or any other benefit for automobile insurance based on the similarities score.

Abstract: Methods and systems for calculating values for indexes based on breakout currencies are provided. A prospective breakout index may be formed before an entity breaks out of a monetary union. Other aspects relate to calculating an initial index value on a breakout date. An initial exchange rate of the breakout currency may be combined with a breakout value and/or a base value. In one embodiment, the breakout value is the reciprocal of the initial exchange rate. Therefore, in accordance with certain embodiments, the initial index value of the breakout index may be equal to the base value. Further aspects relate to calculating a second index value. A second exchange rate of the breakout currency may be utilized with the fixed base value and the breakout value to calculate the second index value of the breakout index. Further aspects relate to creating a prospective currency unit for a monetary union.

Abstract: The invention provides systems and methods relating to generating a unified determination based on subdetermination, and in particular, generating a unified score based on respective scores. For example, the invention provides a method for generating a unified determination based on subdeterminations, the method including generating a first subdetermination based on first criteria; generating a second subdetermination based on second criteria; and generating a unified determination based on the first subdetermination and the second subdetermination.

Abstract: The present invention relates to a method for enhancing the efficiency of digitally communicated data exchanges and to a computer system that implements such a method. The invention particularly concerns the use of adaptive custom compression techniques, binary integers (“bits”), massively parallel processing, database optimization techniques and/or calculation optimization techniques to achieve such enhanced efficiency. The invention is applicable to any digitally communicated data exchange, but is particularly applicable to exchanges of financial information such as financial market buy/sell orders, market making, etc.

Abstract: Electronic payment card money laundering detection includes receiving real-time payment card transaction data from ingress channels and an egress channels of at least one payment card system through a first API; generating transactional profiles for each of at least payment cards, the ingress channel, the egress channels, and funding sources of the payment cards; in response to receiving transaction data for a current payment card transaction, evaluating the transaction data using a predictive algorithm that compares the transaction data to the transactional profiles to calculate a probabilistic money laundering score for the current transaction; evaluating the probabilistic money laundering score and current transaction data based on a set of rules to generate a suspicious activity report that recommends whether to approve or report the current transaction; and transmitting the suspicious activity report back to the payment card system and transmitting the suspicious activity report to an identified regulato

Abstract: A system and method calculate an optimal rates in a multisource price engine in over the counter (OTC) markets. The system and method integrate rates from multiple liquidity sources to generate an output rate that can be transacted upon. Specifically, the system and method calculate a best bid/offer rate from input rates provided by multiple liquidity sources and apply a target spread and minimum profit to the best bid/offer rate to generate an optimal output rate. The optimal output rate may be a function of many factors, including market conditions, customer credit, and the preferences of the market maker or broker.