Abstract: The present invention provides exemplary bill paying service methods and systems. One such bill paying service method (1000) includes enrolling a subscriber (Step 1010) who is a debtor to a first creditor and who has authorized debits to be taken from a designated account. The designated account is adapted to periodically receive a payroll deposit on a first regular schedule that is over time in excess of a minimum payment on a first debt owed by the debtor to the first creditor. The designated account is periodically debited, and any funds obtained are used to credit a custody account (Step 1012). The first creditor is paid (Step 1016), on behalf of the debtor and from the custody account, on a second regular schedule that differs from the first regular schedule. Paying the first creditor occurs in an amount calculated for an accelerated repayment of the first debt (Step 1014).

Abstract: A method in a transaction management and financial services system configured to communicate between a server and at least one remote device via a network is described. The method can include the steps of receiving a referral from a referring party where the referral including information regarding any one of a financing-seeking party that has been declined by the referring party and a transaction management-seeking party; and storing the information regarding the referral in a storage device. Other methods performed by the integrated financial and transaction management services system are also described.

Abstract: A method for determining compliance with a delegated underwriting and servicing agreement between a mortgage seller and a mortgage purchaser relating to the sale of multifamily mortgage loans using a computer network includes receiving mortgage data regarding at least one multifamily mortgage loan in a mortgage portfolio of the mortgage seller and financial data regarding the mortgage portfolio and receiving mortgage seller data. The delegated underwriting and servicing agreement includes a loss sharing provision, a servicing provision allowing the mortgage seller to retain servicing rights for the multifamily mortgage loans and a provision that the mortgage seller be adequately capitalized against the risk for each multifamily mortgage loan.

Abstract: Methods and systems consistent with the present invention provide real-time customer profile and billing information in an IBPP environment. Specifically, in a bill presentment and payment system with a scheduled time to communicate billing information with a set of billers, customer registration information, including identification information, is received. A request, including the customer identification information, is provided to a biller, outside of the scheduled time for communication. The customer is thus permitted access to the billing information at an unscheduled time.

Abstract: The invention is a computer-implemented system and method, and a computer-readable medium for use with computer means, that enables portfolio managers to price, on a risk-adjusted basis, any traded or under written risk vehicle in finance and insurance that has a historically-known or computer-generated probability distribution. More importantly, the invention provides a universal approach to pricing assets and liabilities traded on an exchange or over-the-counter market, or underwritten for direct risk-transfer, even if those assets and liabilities are grouped or segregated, or whose prospective outcomes may alternate between positive or negative values.

Abstract: A fair exchange is disclosed to reduce potential inequities in an electronic trading environment. Market data is sent from a host system to client devices through one or more synchronized local communication servers such that the data can be displayed simultaneously or nearly simultaneously at each client device. Market data sent to client devices might include price information. Likewise, a host system may transaction data sent from client devices via the local communication servers. The ordering of transaction data is based, at least in part, on when the local communication servers received the transaction data from the client devices. Transaction data sent to a host system might include order information.

Abstract: Systems and methods are provided to facilitate generation and/or negotiation of an agreement document via an agreement modeling system. According to one embodiment, agreement information associated with an agreement between a party and a counter-party is determined. An agreement document is generated in accordance with the agreement information, and it is automatically arranged for the agreement document to be received by the party and/or the counter-party. For example, an agreement modeling system controller may transmit the agreement document to the counter-party via an electronic mail address.

Abstract: A method, system and computer readable medium for managing a user online financial transaction at a destination ecommerce web site using a credit or debit card account of the user, including a) transmitting an activation command to a financial institution processing financial transactions for activating the credit or debit card account of the user; b) submitting a charge request for the credit or debit card account to the financial institution via a destination e-commerce web site to which the user is logged in while the credit or debit card account is in the activated status; and c) transmitting a de-activation command to said financial institution for de-activating the credit or debit card account, wherein the financial institution only accepts and processes charge requests received from e-commerce web sites while the credit or debit card account is in the activated status and wherein the financial institution declines charge requests while said credit or debit card account is in the de-activated status, an

Abstract: A method, system and computer program to monitor securities market activity to seek out imbalances in market activity that could lead to a price change in a particular security. Level 1 and/or level 2 data is analyzed to track the activity of market makers and to derive indicators of momentary upward or downward price pressure. The indicators associated with each selected security are displayed to a user.

Abstract: Disclosed herein is an automated Electronic Market-Maker, comprising a Market Quality Control Module for generating trading recommendations to maintain market quality; an Inventory Control Module for generating trading recommendations to maintain inventory; a Speculation Module for generating trading recommendations to generate profits; and an Arbitration Module to receive trading recommendations from said Market Quality Control Module, Inventory Control Module, and Speculation Control Module and resolve any conflicts between the received recommendations.

Abstract: A first communication control system comprising a balance database for storing the prepaid money of each per caller number, a charge database for storing the charge system of each communication company, a balance checking part for checking the balance by searching the balance database with the caller number, a call permission determining part for determining the permission of a call of the caller based on the balance, a communication company specifying part for specifying one communication company based on the input number from a caller terminal, a line switch and a line control part for connecting the caller terminal with a called terminal through an exchange of the specified communication company, a speech time measuring part for measuring the speech time, a telephone charge calculating part for calculating the speech time and the telephone charge according to the charge system of the communication company, and a balance updating part for subtracting the telephone charge from the balance of the caller.

Abstract: A loss ledger system to process third party fund requests on a daily basis, track historical requests, process validation on each request, maintain suspense/escrow and loss ledgers, and provide reconciliation assistance for accounting and claims processing departments. Additionally, the loss ledger system provides management reports, interfaces, security, audit and control and data conversion to facilitate minimizing escrowed resources, fraudulent activity and clerical errors.

Abstract: A method and device enables tokenless authorization of an electronic payment between a payor and a payee using an electronic identicator and a one payor bid biometric sample. The payor registers with a registration biometric sample, and a payor financial account identifier. The payee registers a payee identification data with the electronic identicator. A payee bid identification data and a payor bid biometric sample are electronically forwarded to the identicator. The bid biometric sample is compared with registered biometric samples and the payee's bid identification data is compared with a payee's registered identification data for a successful or failed identifications of the payor and payee. If the identicator successfully identifies the payor and payee, the identicator electronically forwards a payor financial account identifier to the payee. An electronic financial transaction is then formed comprising a transaction amount and a payor financial account identifier.

Abstract: Trading processes and market processes interact with each other on a platform. Each of the trading processes has a trading strategy embodied in a decision table. Each of the market processes has a market methodology that may employ a decision table in like manner as the trading processes. Accordingly, the trading processes and market processes are easy to configure. The decision table comprises rules having conditions and actions that are to be performed when the conditions are true.

Abstract: A method and system performs an analysis to compare and evaluate the performance of an investment portfolio. The method and system includes fiscal data realignment and multiple holdings date evaluations for fundamental financial analyses for each stock in the investment portfolio. The fundamental financial analysis can include a negative base number inclusion process and uses financial data for the stocks selected from comparable weighted time periods, each weighted time period including holdings of the investment portfolio as of each time period, thereby generating a more accurate evaluation of the investment portfolio.

Abstract: A trade finance automation system includes an accounts receivable database receiving and storing invoices issued by one or more prescribed vendors for sales made to specified buyers. A credit limits database contains various credit limits applicable to buyers invoices that are subject to existing third party financing, the credit limits dictated by factors including terms of said third party financing. A credit limits tester performs substantially real time checking of buyers invoices in the accounts receivable database to ensure compliance with the credit limits set forth in the credit limits database for said buyers.

Abstract: A distributed computer system that enables end users to evaluate a broker's trade settlement performance by market and across multiple markets in terms of how many of the broker's trades failed. Trades are defined as having failed when the actual settle date exceeds the date on which the trade should have settled. The system analyzes trade settlement statistics about each broker within the context of a selected broker peer group, and ranks and compares a broker's settlement performance relative to the peer group. The system also ranks the brokers based on a set of metrics relative to the selected peer group. A broker's peer group is defined in terms of the broker's relative size within the trade universe as determined by trade count.

Abstract: An electronic bill presentment network includes a central network station and a plurality of different user stations. The central network station transmits bill availability information to the user stations to identify available bills of different billers for the different users. Information associated with each available bill of a respective biller is available at one of multiple networks addresses associated with that biller. The associated information could, for example, be the bill itself and/or promotional information. Each user station is associated with a respective one of the users and receives the transmitted bill availability information for its associated user and selects one of the identified available bills, such as for viewing or payment. A user station associated with a first user is linked to the first network address associated with the bills of the first biller, based on a bill selection by the first user station.

Abstract: A system and method for electronic transfer of cash or cash equivalent between a sender and a recipient includes an initiating regional office for initiating the transfer and which receives an amount of money to be electronically transferred from the sender and a verification ID protocol from the sender, an initiating authorization center for storing the amount and the verification ID protocol in an account database, a dispensing authorization center for communicating with initiating authorization center and a dispensing regional office. When the recipient provides the verification ID protocol to the dispensing regional office, a financial card is issued to the recipient containing funds equivalent to the amount initially prescribed by the sender.

Abstract: A computerized system creates and prices synthetic credit products on demand and distributes them to customers electronically through financial information systems and online trading websites. The system includes: (a) a Capacity Creation module for assessing the capacity of a defined financial market to absorb defined credit products at a minimum level of default risk; (b) a Product Creation module for creating synthetic credit products on demand, including a Product Creation engine for creating credit products matched to qualified reference entities based upon internal templates in accordance with the determined portfolio capacity; and (c) a Pricing Creation module which tracks financial, pricing, and interest rate data available from external sources, and determines the pricing of the credit products consistent with the determined portfolio capacity.