Abstract: Tools for trading and monitoring a commodity on an electronic exchange using a graphical user interface and a user input device. The tools will aid the trader in determining the status, trends in the market, and the trader's position in the market.

Abstract: A computer-implemented system and method for executing trades of financial securities according to a combination passive/aggressive trading strategy that reliably executes trades of lists of securities or blocks of a single security within a desired time frame while taking advantage of dynamic market movement to realize price improvement for the trade within the desired time frame. A passive trading agent executes trades at advantageous prices by floating portions of the order at the bid or ask to maximize exposure to the inside market and attract market orders. An aggressive agent opportunistically takes liquidity as it arises, setting discretionary prices in accordance with historical trading data of the specified security.

Abstract: A computer system for conducting continuous assurance of financial documents is disclosed. The computer system comprises a processor, a bus coupled to the processor, a memory coupled to the bus, a mass storage system coupled to the bus, a communication device coupled to the bus, and continuous assurance software resident in the memory. The continuous assurance software, when executed, performing the steps of accessing client database at a predetermined interval, downloading total population from client database, performing analysis, evaluating analysis results, comparing total population to financial statements, determining a risk rating for each predetermined group, determining a materiality of anomalies, and displaying results.

Abstract: A consolidated purchasing system for search term auctions is provided. The system typically includes receiving logic, analyzing logic, and purchasing logic. The receiving logic receives orders from customers. The analyzing logic receives and consolidates the plurality of orders, analyzes a dynamic auction for search terms on a search engine, and determines search terms upon which to bid and an amount to bid for the search terms. The determination of the amount to bid on the search terms is in response to a budget and an expected return on the search terms. The purchasing logic receives instructions from the bidding logic and bids on the search terms in the dynamic auction, wherein the cost of a position on a search result list for the search engine changes in response to input from auction participants. Other systems and methods are also provided.

Abstract: A money transfer system where a sender can authorize an escrow agent computer system electronically by touch-tone telephone, computer modem, P.O.S.(point of sale) terminal, live operators, and the like, to send a money transfer such as a cash transfer from their card account such as their credit card, debit card, bank card, ATM card, or a bank checking account, bank savings account, and the like, to a recipient that can access the money transfer at any remote ATM type location or P.O.S.(point of sale) terminal by using magnetic cards such as a specialized magnetic (Cash Magic) card, credit cards, debit cards, and automated teller machine(ATM) card, at anytime and anywhere that the ATM or P.O.S.(point of sale) terminal is located worldwide. The system can be used to quickly and easily send another party cash for pickup at any ATM location or P.O.S.(point of sale) terminal worldwide without having pre-existing relationships between the parties.

Abstract: A deal feed system for passing deal tickets to back office systems comprises a deal feed contributor which receives tickets from trades on a plurality of trading systems on a plurality of trading floors, a database for storing the tickets, and a distributor for passing the tickets to back office systems. Virtual deal codes are defined to which a plurality of real deal codes map. The virtual deal codes to which a ticket relates is stored in a table with a reference to the stored ticket. A deal code table is updated with the range of the virtual deal code and the update transmitted to the bank office systems and to traders.

Abstract: An apparatus, method and program for user to contract a total ownership value by calculating premium (booking fee and buy back fee) both in monetary terms or premium. Calculation of booking fee and buy back fee for a motor vehicle is disclosed allowing the user to purchase and/or sell a vehicle at the both prices of his own choosing within a future period whereby premium in consideration provides a right but not an obligation.

Abstract: A system controlled by a data bearing record includes a card reader that is operative to read data from user cards including identifying data and to authorize operation of an automated banking machine responsive to the identifying data. A bank host computer is operable to submit the receipt to a system address of record with the bank. The address of record corresponds to an e-mail address, phone number or other address associated with an account involved in the transaction. The receipt may include an image or images associated with the transaction. The system may also operate to image deposited checks deposited at an the banking machine. Copies of the imaged checks and other information can be electronically sent to a maker, payee, a clearinghouse or banks involved with the transaction. The automated banking machine may also operate to provide the user with blank checks for transactions.

Abstract: A computerized or manual bidding system for real estate commission rates where participating registered licensed real estate brokers can acquire from participating registered real estate property owners the exclusive right to sell contract to broker a real estate property for a predetermined period of time based on placing within a specified period of time the lowest commission rate bid for said property that is equal to or less than the threshold commission rate posted by the seller.

Abstract: A shelving system includes an elongated mounting member operationally securable to an associated shelf. The mounting member includes an approximately vertically oriented wall, and an approximately horizontally oriented wall. A track is received on said mounting member in a sliding manner. The track extends approximately transversely to a longitudinal axis of the associated shelf. The track includes an elongated rail extending longitudinally along the track, and a pusher slidably mounted in relation to the rail. A divider is received on the mounting member in a non-sliding manner, wherein the divider extends approximately transversely to the longitudinal axis of the associated shelf. The divider is spaced from the track.

Abstract: The present invention relates to a system and methodology providing an automated and dynamically responsive infrastructure to support online subscription services. The system includes one or more components to coordinate and manage a plurality of services offered by multiple service providers. This can include automatically creating and managing billing accounts for customers subscribing to such services. At least one engine is provided to process multiple rules in response to subscription events that occur in connection with the services in order to facilitate service delivery. At least one rating processor is provided to process multiple rating rules in response to subscription events for currency and non-currency resources.

Abstract: A method and system for providing prepaid data service. A subscriber terminal may establish a connection with a communications network. Based on a balance of a prepaid account, traffic from the subscriber terminal may be directed to a self-service portal. At the self-service portal, a user of the subscriber terminal may provide a credit card to add value to a prepaid account and to select a type of prepaid data service. The subscriber terminal may then be granted access to a data network. The balance of the prepaid account may be adjusted in accordance with the prepaid data service that is provided. When the balance of the prepaid account meets a threshold, the subscriber terminal's access to the data network may be redirected back again to the self-service portal.

Abstract: A method of displaying results of a financial model for forecasting at least one financial variable relating to a client. The method comprises the steps of receiving asset and liability data regarding the client; generating forecasted values for the financial variables over a number of simulations using the asset and liability data; and displaying a topographical chart on a user interface. The topographical chart may be positioned on a plane shown in the user interface. The plane may be defined by a time axis and a value axis for the at least one financial variable, such that a coordinate set on the plane represents the value of the at least one financial variable at a time point. The height of a first point on the topographical chart corresponding to the coordinate set may indicate a portion of the simulations that result in the coordinate set.

Abstract: A first party is provided with access to an account of a second party by inputting identification information for the account of the second party, and receiving account information for the account of the second party based on the identification information. The account of the second party is accessed based on the account information.

Abstract: A system and method is provided by which banks implement an automated process to identify and analyze payment related information, and, more particularly, to such a system and method requiring an identification of incoming payments correspondent banks route through competitors; the capture of information, including the correspondent bank the payment originated from, the competitor the payment was sent through, the account party (correspondent bank's customer), the payment beneficiary (customer), and payment ID information (reference numbers, date and amount) associated with such payments; the generation of an advisory message to the correspondent bank that payment can be made directly from their account (book transfer) and the generation of a report to correspondent banks identifying indirectly routed payments for the month.

Abstract: Methods and systems are provided for evaluating the risk of conducting financial transaction such as money transfers through representatives. In one embodiment, information generated by a money transfer system regarding a plurality of financial transactions conducted by one or more representatives are received, records of the information are stored in a transaction database, a risk processor is configured to access the transaction database and retrieve risk element data related to transactions conducted by the representative and an analysis of the risk element data is performed using the risk processor. The risk processor may be configured to process the risk element data into one or more risk element values and to calculate a Transaction Risk Index for the representative by comparing one or more of the risk element values to an appropriate risk proxy.

Abstract: The disclosure describes a digitally originated check (DOC) through an electronic payment system (EPS) which captures payor metadata instructions regarding the intended payment to a payee. The metadata is stored in a database or the like for further processing instead of printing a paper check. The DOC can be cleared either electronically or through a paper substitute check through Check 21 clearing methods.

Abstract: Disclosed are systems and methods of managing financial transactions such as the prepayments of loans. Various embodiments of the invention allow a lender to pay a prepayment credit to a borrower under certain conditions, and under other conditions for the borrower to pay a prepayment fee to the lender. Prepayment credits and fees may be calculated using various formulas that account for changes in a value of the debt and/or changes in financial conditions such as interest rates. Any prepayment fees may be subject to limitations configured to avoid settlement of debt for less than fair market value and to avoid undesirable accounting consequences associated with prepayment.

Abstract: A cross bar forming a support surface between parallel deck beams of rack-type storage systems to create storage shelves, the cross bars being lockable and readily removable and reusable.

Abstract: A novel bankcard transaction exchange system, which is also an exchange network and a settlement network of various bankcard transactions at the same time, comprising: a processing center, at least one backup center, and a plurality of member institutions connected to the processing center via a network, characterized in that: the processing center is configured with a switching subsystem and a batch processing subsystem, and it can achieve interoperability effectively.