Abstract: An investment index is generated by selecting a predetermined number of geographic regions having the highest ranked projected population growth and selecting a predetermined number of companies that have at least a predetermined percentage of the company's revenue derived from at least one or a combination of the selected number of geographic regions. The stock prices of the selected companies are then weighted.

Abstract: A method and system are provided which generate a collateral quality formula, based on a data set of collateral quality values, used to guide purchases and sales of collateral by CDO managers to satisfy investment ratings requirements, such as those established by independent ratings services, such as, for example, Moody's Investors Service, without having to adhere to the more limited defined parameters of a collateral quality value matrix.

Abstract: A computer-implemented method and system for completing a transaction between a customer (10) and at least one merchant (20), including the steps of: (a) initiating a transaction by the customer (10) with a merchant (20); (b) communicating an authorization request, including customer data and transaction specific data, by the merchant (20) to a transaction system (26); (c) authenticating the customer (10) by the transaction system (26); (d) authorizing the transaction by the transaction system (26); (e) communicating the authorization response by the transaction system (26) to the merchant (20); and (f) completing the transaction between the merchant (20) and the customer (10). An apparatus for implementing the method is disclosed.

Abstract: Systems and methods are disclosed for providing a financial account. The disclosed systems and methods may include providing a financial account offer to a customer. The disclosed systems and methods may also include receiving an acceptance of the offer, providing the financial account, setting an account variable equal to a first account value, and monitoring the financial account. The monitoring may further comprise resetting the account variable equal to a second account value when a number of purchase transactions corresponding to a currently monitored time period are less than a threshold value. Furthermore, the account variable may be reset equal to a third account value when the number of purchase transactions corresponding to the currently monitored time period are greater than or equal to the threshold value and a number of purchase transactions corresponding to the previous time period were less than the threshold value.

Abstract: It is an object of the present invention to enable a buyer to collectively manage information related to a variety of commercial transactions performed by the buyer as well as to the settlements for these transactions. The calendar server 25 supplies a calendar screen to a buyer system 3 that is used by the buyer 1. This calendar screen has electronic invoices addressed to the buyer 1, which are issued by the supplier system 7, and electronic deposit/withdrawal detailed statement of the buyer's deposit account, which are issued by a banking system 13, pasted in the spaces for the relevant dates. When the buyer 1 selects an arbitrary invoice on this calendar screen and inputs his or her approval of this invoice, an account transfer telegraphic message for payment of this invoice is automatically sent to the banking system 13.

Abstract: Methods and systems provide power to a mobile recipient and allow the recipient to pay for the power obtained by having it charged to an account other than the account for the location at which the power is provided.

Abstract: Service parts inventory planning and management are provided for one or more entities in a supply chain (12), preferably within the context of an electronic marketplace (14). Status data reflecting substantially current service parts inventory levels at stocking locations within the supply chain (12) is accessed, these inventory levels indicating service parts excesses or needs at one or more stocking locations. A substantially current service parts inventory plan is generated according to the status data, a service parts demand forecast, and a supply chain model, the inventory plan including target stocking levels for service parts at stocking locations. According to the inventory plan, one or more services are initiated to attempt to resolve service parts excesses or needs at stocking locations through interaction with one or more other entities.

Abstract: A system and method is provided for the gathering of and manipulation of shareholder data, including information on individual shareholders and related custodians of shares, and comparing the shareholder/custodian data to a set of rules and/or a set of marketing analysis data to identify securities compliance issues and/or evaluate a securities marketing plan.

Abstract: A computerized system is established through a network to help business organizations conduct and manage their businesses with anti-financial crimes provisions according to the government regulations and laws, e.g., the Bank Secrecy and the USA PATRIOT Act, and to enable financial institutions to monitor and manage these business organizations with confidence in compliance with the regulatory requirements and applicable laws.

Abstract: A system and method for providing order queue position information are disclosed. In this application, market updates are received for a tradable object from at least one exchange. To the extent that the market updates do not include enough details to compute the queue position of a trader's working orders, estimation may be used. As a result, an order queue is generated to approximate a trader's order position in an exchange price order queue. An interface may be used to display the generated order queue estimation to the trader which provides valuable trading information.

Abstract: A system is provided for processing and transmitting trading information for exempt securities or assets not otherwise listed, traded, valuated or bought/sold in any conventional exchange or system for the regulation of securities or commodities. The system may include: (a) a risk analytic module using the latest market prices and data provided by other modules, (b) an auction module including asset auction functionality and a multi-lateral counterparty trade workstation capability, with bid-offer and unique asset price sourcing capabilities, (c) an asset or portfolio tracking module providing browser based, realtime consolidated reporting of multi-firm asset positions (public or private), and (d) an out-of-band communications module alerting users/subscribers who may or may not be logged on the system via fax, e-mail, text messages, or other out-of-band communications of a pending transaction being consummated or achieved.

Abstract: A system for processing deposits and/or withdrawals in a financial institution accepts a plurality of documents, including currency bills, at an input receptacle of a document-processing device, converts the image of at least some of the documents to electronic data representing the image. The currency bills are denominated by the document processing device, and the total value of the bills included in each deposit is accumulated. Whenever the total value of the bills in a deposit exceeds a prescribed value, a report may be generated containing at least an identification of the specified account, the total value of the bills in the deposit, and the serial numbers of the bills. The serial numbers may be extracted from images of the bills.

Abstract: Systems and methods are provided for selectively determining when and from what source to access information received from a demand deposit account (DDA) associated with a given check or other promissory payment transaction, as well as for selectively incorporating the DDA information into a risk assessment for the transaction. Information received from the DDA can include an indication of the existence of sufficient funds in the account (or lack thereof) to cover the check in question, as well as a current status code for the account. Use of the DDA information may be integrated into an overall risk assessment process performed for the transaction, such that the influence of negative factors in one part of the risk assessment may be mitigated by other factors in the risk assessment and such that overall effectiveness of the risk assessment is enhanced. Systems and methods for selecting an access path for accessing a DDA to settle a promissory payment are also provided.

Abstract: A system and method for identifying a candidate set of at least one buy order associated with an investment account, determining a back out target value that identifies a fiscal amount by which the candidate set must to be reduced, and progressively decrementing a respective initial asset quantity of one or more buy orders of the candidate set until the back out target value is achieved at a final asset quantity of the one or more buy orders. The candidate set of buy orders can then be modified by replacing the respective initial asset quantity with the respective final asset quantity for at least one of the one or more buy orders. The modified candidate set of buy orders can then be provided for trade execution.

Abstract: Standardized financial reports are automatically generated from company financial reports using a taxonomy library that maps company-specific terms to corresponding standard terms. Line items in the standardized financial reports include standardized terms derived from company-specific terms in the company financial report as well as corresponding financial information obtained from the company financial report. The financial information in the standardized financial report may be highlighted to indicate its source, and may also be cross-referenced back to its source location in the company financial report so that the information can be verified.

Abstract: According to one aspect, transaction information is received and applied to multiple fraud risk mathematical models that each produce a respective raw score, which are transformed with respective sigmoidal transform functions to produce optimized likelihood of fraud risk estimates to provide to a merchant. In one embodiment, the respective fraud risk estimates are combined using fusion proportions that are associated with the respective risk estimates, producing a single point risk estimate, which is transformed with a sigmoidal function to produce an optimized single point risk estimate for the transaction. The sigmoidal functions are derived to approximate a relationship between risk estimates produced by fraud risk detection models and a percentage of transactions associated with respective risk estimates, where the relationship is represented in terms of real-world distributions of fraudulent transaction and non-fraudulent transaction.

Abstract: A method, system, and computer readable medium for managing a financial transaction of a user at a merchant, including authenticating the user via a device of the user while the user is at the merchant; transmitting activation information for activating a reusable, pre-existing, unaltered and permanent credit or debit card account number of the user from the user device to a financial institution for processing financial transactions, while the user is authenticated; submitting a payment request including the account number to the financial institution from the merchant, while the account number is activated; and de-activating the account number after the payment request is processed by the financial institution. The financial institution only accepts and processes payment requests received from merchants while the account number is activated, and the financial institution declines payment requests while the account number is de-activated.

Abstract: Disclosed herein is a method of providing one or more transaction card services to a holder of a transaction card, the method comprising receiving a registration code from the holder, wherein the registration code is associated with the issuer of the transaction card and with the transaction card, determining the issuer of the transaction card based on at least a portion of the registration code, transmitting the registration code to the issuer of the transaction card, receiving account information from the issuer, wherein the account information is associated with the registration code and with the transaction card, displaying at least a portion of the account information to the holder, receiving a verification value corresponding to the account information from the holder, and if the verification value is valid, permitting the holder to select one or more services in which to enroll.

Abstract: A method for originating a bank deposit with the use of a computer is suggested, which implies entering the deposit characteristics into a computer. Use of the method makes it possible to achieve a technical result in the form of increase of the effectiveness of the origination of a bank deposit, improvements of the visualization and availability of the data presented to the bank customer, and enhancements of the functional characteristics of the method. The technical result is achieved due to the bank deposit being originated out of two or more currencies, the costs of which are correlated to the independent unit of deposit cost. The proportions of the currency components in the deposit are then calculated, which give such a ratio between the deposit risk and yield that is optimum from the point of view of preserving and/or increasing the deposit value.

Abstract: In one embodiment of the present methods and systems, in a servicing entity, a computer-assisted method is provided for managing commercial mortgages. The method includes storing information associated with a plurality of mortgages in a data model; allowing a plurality of participants to access the mortgage information to enable shared servicing of the plurality of mortgages; storing a set of business rules in a database, the set of business rules being configured for application to the mortgage information, the database being operatively associated with the data model; and, allowing the plurality of participants to access the mortgage information from origination of the plurality of mortgages to disposition of the plurality of mortgages. System and computer-readable media embodiments associated with the present method embodiments are also provided.