Abstract: In order to allow a user to quickly select a stock name with a stock price transition of a desired pattern from among a large number of stock names, a stock name search device includes: a similarity calculation unit (60) for calculating a similarity between a stock price transition handwritten-inputted by the user and each of stock price transitions of a plurality of stock names; a stock name list generation unit (66) for selecting some of the plurality of stock names based on the similarity and generating a list of the selected stock names; and an output unit (68) for outputting information concerning the selected stock names.

Abstract: A system and method for modifying financial transaction categorization lists based on input from multiple users whereby, when a given user of a computing system implemented financial management system modifies their own list of possible categorizations for a given financial transaction, data indicating the given user's modification of the given user's own list of possible categorizations for a given financial transaction is obtained by the computing system implemented financial management system. The obtained data indicating the given user's modification of their own list of possible categorizations for a given financial transaction is then used by the computing system implemented financial management system to create and/or modify a shared list of possible categorizations for a given financial transaction.

Abstract: A system and method of managing a construction payment process involving a plurality of participants associated with the construction project and at least one document to be transferred between at least two participants of the plurality participants during the course of the construction project. One method can include assigning at least one enforcement action to the at least one document wherein the enforcement action is automatically effected if the document is not transferred between the at least two participants.

Abstract: A method and system for conducting an online property auction whereby the system allows for identifying an owner of property willing to sell his property by an online auction, entering into a contract with the owner obligating him to complete the sales of his property conducted pursuant to terms of the contract; pre-arranging a minimum auction price for his property that accounts for the owner's interest, plus costs and fees, conducting the on-line auction with a plurality of bidders for his property whereby at the on-line auction's conclusion there is a winning bidder and ensuring the transfer of the winning bidder's funds to the escrow holder.

Abstract: A user participates in trading securities in a prediction market which represent different outcomes of an event, using an interface which allows the user to understand a trade in terms of a bet. The interface also allows the user to explore different bet amounts while receiving feedback on potential payoffs in real time. In one approach, a tool is used which is moved in one direction by the user to indicate a larger trade for an outcome, or in the opposite direction to indicate a larger trade against the outcome. A bet for an outcome can be translated into a purchase of a corresponding security which represents the outcome. A bet against a particular outcome can be translated into a purchase of securities which represents all other outcomes. The user interfaces hides complexities of the market from the user while surfacing relevant information.

Abstract: Systems and methods are provided for a CDS trustee and collateral manager. In some embodiments, the systems and methods of the invention may provide a holistic approach to CDS transactions which facilitates such transactions, enables the management of such transactions, streamlines the resolution of these transactions, improves market information relating to these transactions, and provides other advantages. In some embodiments, a CDS trustee is provided that manages CDS documentation throughout the CDS transaction market and therefore can determine the positions and exposure of all market players. In some embodiments, the CDS trustee may also monitor for and process credit events of a reference entity to a CDS transaction. Furthermore the CDS trustee may facilitate payments to and from counterparties to CDS transactions, facilitate unwinding of CDS transactions, facilitate settlement of CDS transaction in the event of a credit default, and/or provide other features and functions.

Abstract: A system and method for modifying a portfolio having respective quantities of a plurality of different meat cut types (MCT) of an animal comprising: accessing portfolio information including a first quantity of a first MCT and a second quantity of a second MCT determining first comparison data of the first MCT and of the second MCT for a selected historical time period; determining a correlation value between the first MCT and the second MCT analyzing the correlation value and adjusting a parameter of a price model used in determining the first predicted future price and sending the modified value of the first price premium for presentation to a member of the portfolio.

Abstract: Disclosed are an electronic settlement system, an electronic settlement method, and a cash payment method using a barcode displayed on a mobile terminal, thereby simply performing member identification using the barcode including member information, electronic settlement services (such as credit card settlement, direct payment card settlement, advance payment card settlement, small amount settlement, and Giro system settlement) at various shops via a procedure verifying whether a user is an actual owner of the barcode, cash payment services via member information barcode and member identification procedures, advance payment card services by depositing a designated amount of money at a database of the bank and allowing the user to systematically use the advance card within the deposited money, and wireless banking services for transmitting and receiving various banking related data via wireless network between the bank and the members.

Abstract: A method for controlling feature upgrades on a plurality of payment system devices, onsite, in a distributed network, involves a web service at each of the plurality of payment system devices. An upgrade utility program communicates with the web service at each of the plurality of payment system devices, and presents a list of available payment system devices to the user. The list of available payment system devices identifies each device by location. A group of payment system devices is selected for receiving feature upgrades, and for each payment system device in the selected group, at least one feature upgrade is selected. A request file is created that contains information indicative of the payment system devices selected for receiving feature upgrades and indicative of the at least one feature upgrade for each selected payment system device.

Abstract: A savings and investment system and method including a plurality of pre-paid investment cards (PPICs) which can be purchased by individuals as investment products for themselves or as gifts for PPIC recipients. The PPICs are pre-paid stored value cards that are provided for use with the investment system by a PPIC company, which establishes relationships with partner financial services providers and partner retailers to provide investment vehicles and the PPICs. The value stored on the PPICs can be redeemed through a PPIC website maintained by the PPIC company or the partner financial services provider(s), whereby the value on the PPIC is deposited in an investment account established for the PPIC recipient, and then allocated among specified investment vehicles. The PPIC purchaser may optionally define usage rules governing how the PPIC value is allocated.

Abstract: A method of managing over-the-counter financial products is disclosed. The method includes receiving transaction parameters associated with an over-the-counter financial product, determining a standardized financial product that reflects the transaction parameters associated with the over-the-counter financial product; calculating a net position based on the difference between the standardized financial product and the over-the-counter financial product, and clearing the net position through a clearing party.

Abstract: The present disclosure is directed to a system and method for wirelessly executing financial transactions. A payment card includes an interface, a communication module, secure memory, a user-interface module, and a processing module. The interface connects to a slot of a mobile host device. The communication module wirelessly receives RF signals from and transmits RF signals to a retail terminal. The secure memory stores user credentials and a payment application used to execute financial transactions with the retail terminal. The user credentials and the payment application are associated with a financial institution. The user-interface module presents and receives information through the GUI of the mobile host device. The processing module executes the payment application using the user credentials in response to at least a transaction request received by the communication module and transmits a transaction response to the retail terminal based, at least in part, on the executed application.

Abstract: A rechargeable and disposable electronic funds (cash card) issued by a non-financial facility, such as a check cashing facility, a payday loan facility or a short term loan facility, is disclosed where the card substitutes for the cash and is labeled in the name of a bank type financial institution with which the non-financial facility has a relationship. The card can be charged with a variable amount on money. When used at a store for a purchase it can act like a debit card but need not have a name of the holder associated with (or embossed on) it like a gift card, so the user can remain anonymous. The card can be upgraded to a rechargeable or debit/credit card. The card can draw on an account or sub account of the check cashing service or of the bank.

Abstract: A system, method and apparatus for creating and executing inter-exchange spread instruments, comprising a buy and a sell leg (or other variation of buys and/or sells) of two distinct global exchange traded instruments. A spread instrument price is set using an implied base price of a first leg based upon a current bid and offer of the first leg on a global exchange, an implied base price of a second leg based upon a current bid and offer of the second leg on a global exchange, a first leg weighting factor, a second leg weighting factor, and a volatility risk factor. When the spread instrument is traded, each underlying leg is automatically filled and confirmed pursuant to the customs and practices of the corresponding exchange and clearinghouse or clearing firm for the product associated with the leg.

Abstract: A post-trade aggregation system includes an allocation middleware interface, which interacts with an order management system to allocate and settle trades. The order management system receives a trade order on behalf of a customer and either apportions the trade into a plurality of smaller orders and communicates them to a plurality of order destinations directly (e.g. via the FIX protocol), or sends large orders to an order staging and optimization interface which then apportions the larger orders into a plurality of smaller orders and communicates the orders to a plurality of order destinations. The post-trade aggregation system contains an allocation middleware interface which receives the individual trade executions from the plurality of order destination and compresses them into a single average-priced block.

Abstract: A system and method for quantifying the working capital benefit of pooling a number of separate cash accounts. The average (mean) cash balance of the pooled account is determined to be the sum of the means of each of the individual accounts. Similarly, the standard deviation of the pooled account is determined to be the square root of the sum of the squares of the standard deviations of the individual accounts. Accordingly, the minimum cash level of the pooled account is 2.3 times the square root of the sum of the squares of the standard deviations of the individual accounts. In order to determine the benefit of pooling, the present invention determines the difference between the minimum aggregate cash required by the separate companies and the minimum cash required in the pooled account. If pooling is to be beneficial, from a working capital perspective, the minimum cash required in the pooled account will be significantly less than the aggregate cash required by the separate companies.

Abstract: The present embodiments are provided to facilitate the automatic trading of spreads in a fast and accurate manner. One or more market data feeds that contain market information for tradeable objects are received at an exchange. A spread data feed is generated in response to the market data feeds and from one or more spread setting parameters, which can be entered by a user. The spread data feed is preferably displayed in a spread window as bid and ask quantities associated with an axis or scale of prices. The user can enter orders in the spread window and the legs will be automatically worked to achieve, or attempt to achieve, the spread. In addition, other tools disclosed herein may be utilized to assist the user in making such trades.

Abstract: Systems, methods and consumer-readable media for enhancing compliance with the Federal Reserve Custodial Inventory procedures are provided. The system may include an inventory management system for retrieving cash balance inventory information and an information management system for receiving Fed Cash information. This information may be retrieved using specific process steps and predetermined timing. The cash balance inventory information may include information about the amount of unverified cash in inventory. The Fed Cash information may include Custodial Inventory information, minimum vault holding requirement information, a Federal Reserve Cap and physical space cap for Custodial Inventory. The system may also display an amount that can be deposited in the Custodial Inventory.

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 system, method and computer program product are provided for e-commerce. In use, a plurality of suppliers are registered. In addition, goods-related information from customers is received, where the goods-related information is associated with goods. Access to the goods-related information by the suppliers is allowed utilizing a network. Further, offers relating to the goods from the suppliers are received utilizing the network, and the customers are informed of the offers. Still yet, a guarantee is provided to the customers regarding a qualification of at least one supplier with respect to a provision or fulfillment of the offer received therefrom. Such guarantee is provided as a function the at least one supplier or at least one action thereof.