Abstract: Methods and systems are disclosed for allowing financial transactions to be conducted using mobile phones. A payer initiates a transaction by sending a payment request message from a mobile phone which specifies the payee and amount to be paid. Payees are identified by unique aliases, which are maintained in a database. Methods for assembling the enrollment and alias database are included.

Abstract: A method for providing a wager in a financial market environment is provided that includes presenting an opportunity to make a wager that is based on a moving market line associated with a financial market. An end user is given an opportunity to bet on whether a financial market value will be above or below the moving market line at a designated time. The wager may be accepted from the end user. The wager may be monitored in order to determine whether the financial market value was above or below the moving market line at the designated time.

Abstract: The present invention is a computer based intercompany loan system (ICLS) for managing multiple intercompany loans between various lender companies and various borrower companies. The ICLS includes a loan manager module for setting up and maintaining a loan between a borrower and a lender. The ICLS also includes a batch processing module for receiving and processing general ledger entries representing loan events to facilitate automatic intercompany settlement. In addition, ICLS provides an administrative module for defining and managing the access and privileges of users with respect to the computer based intercompany loan system, and maintaining general ledger tables.

Abstract: A computer program product for handling sales activity information, the computer program product being tangibly embodied on a computer-readable medium and including executable code that, when executed, is configured to cause a data processing apparatus to provide a sales activity interface. The sales activity interface may include a grouped plurality of fields that are grouped with respect to a customer account of a sales representative. The grouped plurality of fields may include an account name field configured to identify the customer account, a contact field configured to provide contact information associated with a contact between the sales representative and the customer account, and one or more customer value indication fields configured to provide one or more value metrics associated with the customer account.

Abstract: The present invention relates to a central (root) directory and/or network of directories to linked credit accounts. Each linked credit account accepts, or is responsive to incoming payments or credits, without the need for access numbers, account numbers, routing numbers, or the like. The payment/deposit account may be set up as a deposit only account (e.g., it cannot pay out or be debited in the traditional sense). In this way, it can be effective in eliminating many of the security requirements of a traditional financial account.

Abstract: Price-based inquiry lists for financial interests are submitted, negotiated and traded between investors and dealers over a network or networks. An investor interface for display is provided to an investor. A dealer interface for display is provided to a plurality of dealers. The investor can create a price-based inquiry list via the investor interface containing a plurality of inquiries for a corresponding plurality of different financial interests and can transmit the price-based inquiry list to one or more selected dealers, where an established relationship exists between the investor and the dealers. One or more of the selected dealers may provide responses to the received price-based inquiry list, where the response contains one or more offers/bids on the plurality of inquiries contained in the inquiry list via the dealer interface. The respective offers/bids are displayed in the price-based inquiry list on the investor interface.

Abstract: Disclosed is a system for assigning, tracking and storing equivalent emission values associated with a transaction. When a transaction takes place the system identifies the purchaser, the vendor, and at least the cost of the transaction. The system contains a database comprising a pre-selected parameter related to an emission value. The system uses this parameter to calculate the emission value of the transaction. The emission value is stored in at least one data-file contained in the system.

Abstract: A method of increasing the collection of debts owed a government agency by collecting additional names associated with a debtor, verifying that an additional name represents the same person as the debtor, and providing those additional names to the government agency that is owed by the debtor. After the additional names are added, future payments to the debtor can be offset by the amount owed.

Abstract: A payment processing method comprises receiving at a host computer system payment information from a client computer, wherein the payment information relates to a payment from a consumer. The method further comprises verifying at least a portion of the payment information and storing at least a portion of the payment information in a database. The method further comprises transmitting a first electronic file comprising at least a portion of the payment information to a financial institution, thereby initiating processing of the payment and transmitting a second electronic file comprises at least a portion of the payment information to a client computing system. The method also comprises responding to a request for historical information by transmitting to a user computer system a third electronic file comprising at least a portion of the payment information.

Abstract: A preferred embodiment of the invention provides an interface providing a model-driven projection of various order execution statistics based on the exact strategy (channel, algorithm, and parameters) that is selected by a user. In at least one embodiment, the interface is linked to at least order execution system and comprises an order execution display. In one embodiment, the invention comprises a computer system operable to display a graphical user interface comprising (a) a pre-trade analysis component for displaying market intelligence information regarding one or more specified securities; and (b) a strategy selection component for displaying order execution strategies for selection by a user and that comprises (i) an order execution component for routing a selected order execution strategy to an order execution system; (ii) an interface for enabling a user to specify trading strategies and strategy requirements; and (iii) a display for displaying projected order completion information.

Abstract: Methods and/or systems for providing preauthorization and transaction settlement for a transaction using a prepaid unit-based presentation instrument are disclosed, wherein the presentation instrument includes a unit balance. The method may include receiving a preauthorization request that includes a price-per-unit and a preauthorization amount. The methods and/or systems may then determine whether the unit balance is sufficient to cover the preauthorization amount. If the unit balance is sufficient to cover the preauthorization amount, the presentation instrument is authorized for the transaction. If the unit balance is insufficient to cover the preauthorization amount, a currency balance is determined from the unit balance and the price-per-unit, authorizing the presentation instrument for a transaction up to the currency balance and sending an indication that the currency balance is authorized for the transaction.

Abstract: A technique for making a payment to a payee on behalf of a payor by a payment service provider is provided. The service provider identifies one or more risk reduction techniques available for use in fulfilling a received payment request. The risk reduction techniques are identified based upon the received payment request. An identified technique is selected and payment is made according to that selected risk reduction technique.

Abstract: A system for managing merchant payment transaction processing accounts is provided. The system includes a merchant initialization system that receives merchant account data from a user, such as to provide a quote to the merchant for payment processing. A transaction pricing system receives the merchant account data and provides transaction pricing data for payment transaction processing in response to the merchant account information. User access to one or more merchant account pricing algorithms that are used generate the merchant account pricing data in response to the merchant account data is restricted to a predetermined set of users, so as to prevent unauthorized users from obtaining access to the merchant account pricing algorithms.

Abstract: The Customer Activated Multi-Value (CAM) card provides a customer with a primary use as a transaction card which can be further activated to have a secondary use as a credit card. The CAM card can be activated as a transaction card or as a transaction card with a credit card feature. Activation of the CAM card as a transaction card allows the customer to purchase goods and services from one specific vendor and to establish a relationship with that vendor for the goods or services rendered (for example, telephone calling card or gasoline product purchasing card) while enjoying reward benefits based on those to purchases. Activation of the credit feature of the card allows the customer to interact with any merchant that accepts traditional credit cards such as VISA®, MASTERCARD®, AMERICAN EXPRESS®, or DISCOVER®. The combination of features allows a customer to purchase various goods and services from several different merchants.

Abstract: Described herein is a system that facilitates provision of personalized investing advice to a user. The system includes a subscriber component that receives a selection of multiple financial models from the user, wherein the user may desire to receive financial data from the multiple financial models in real-time. Further, the system can include an adviser component that can receive and process financial data output by the multiple financial models and can determine customized investing advice for the user based at least in part upon the financial data output by the multiple financial models and personal investing preferences of the user.

Abstract: An electronic registration system facilitates authorized product returns and reduces the incidence of improper returns. A retailer sales associate is prompted to enter individual product identification information such as an individual serial number. This individual product identification information is then stored in a data base along with the date on which the product was sold and an appropriate UPC code, SKU number or manufacturer code. A check digit algorithm may be used to verify the serial number prior to storage. A sales receipt may be imprinted with at least the date of the transaction and the serial number. When a product is returned, the retailer may cross-reference the serial number on the product with that on the receipt to verify the sales receipt. Otherwise, the database may be searched for pertinent sales information. A customer may also access a return authorization engine via the Internet to obtain return approval, an authorization number, return instructions, etc. to reduce retailer hassle.

Abstract: A method for detecting against unauthorized transmission of digital works comprises the steps of maintaining a registry of information permitting identification of digital copyrighted works, monitoring a network for transmission of at least one packet-based digital signal, extracting at least one feature from the at least one digital signal, comparing the extracted at least one feature with registry information and applying business rules based on the comparison result.

Abstract: A system and method are provided for calculating and displaying volume to identify aggressive buying or selling activity. In a preferred embodiment, market information such as the inside market, last traded price, and last traded quantity is received from the electronic exchange and is used to assist a trader in determining the initiative side of a trade, either bid side or ask side. Once a determination is made, the result may be used to assist a trader analyzing the market volume. Other features and advantages are described herein.

Abstract: Embodiments of systems and methods relate to the issuing, servicing, and redeeming of investment notes that are linked to the performance of a single commodity or basket of commodities and are compliant with and tradable under Sharia principles. An exemplary method for administering an investment note compliant with Sharia principles involves establishing an agency contract between an agent and a trustee wherein the agent acts on behalf of the trustee and the trustee acts on behalf of the investor, establishing a unilateral purchase agreement between the agent and the issuer under which the issuer promises to buy commodities from the agent, and purchasing, by the agent, a commodity such that the agent holds title to the commodity on behalf of the trustee.

Abstract: A data construct represents a financial asset in a data processing system. The data construct comprises description data, a cash flow map, and process instructions. The description data further comprises creation, purpose, and transaction information data describing the financial asset. The cash flow map further comprises information on cash flows that flow into the financial asset. The process instructions include information on cash flow processing for the cash flows that flow into the financial asset.