Abstract: A system for generating a display of at least one side of a market includes a computer system having one or more computers. The displayed side of the market includes one or more offers from one or more market participants. Each offer includes an offered price and an offered quantity. The computer system receives market data reflecting the one or more offers and generates a display of the received market data. The display includes a price axis, a quantity axis, and one or more offer bars. Each offer bar represents one or more offers including equal offered prices. Placement of an offer bar along the price axis represents the equal offered prices for the one or more offers represented by the offer bar. The height of an offer bar relative to the quantity axis represents the aggregate offered quantity for the one or more offers represented by the offer bar.

Abstract: Systems and methods are provided for notifying a wireless communication device user regarding an account payment. One method comprises dialing a phone number of a wireless communication device, preferably a cell phone. A communication relating to an account payment that includes a balance due is then transmitted or delivered to a wireless communication device user. Optionally, at the same time or a later time, input from the wireless communication device user may be received regarding payment of the balance due. Such notification methods may be carried out by a host computer system which has a record of when the account payment is due and dials and transmits within a predetermined time frame. Generally, such methods will further comprise pre-registering or enrolling the wireless communication device user.

Abstract: A trading system matches a passive order to buy or sell an item at a price with an aggressive order to hit or lift the item at that price. A workup is initiated during which other parties can submit additional orders at the passive order price. A further order may be submitted during workup with a better price. If the amount at the better price equals or exceeds a threshold value and it can be traded at the better price, the workup is terminated and a new workup initiated at the better price.

Abstract: Computer implemented methods, systems, and computer program products for automating the setup of a user's financial management product account for electronic transfer of data between an account at a financial institution and the user's financial management product account, by receiving a link having financial account information, executing the user's financial management product in response to the link, extracting the financial account information from the link, providing the financial account information from the link to the user's financial management product, and configuring the financial management product account to receive electronic transfer of data from the account at the financial institution.

Abstract: A system and method is provided for an ATM having a display, a logic server coupled to the display, and a memory coupled to the logic server. The logic server dynamically controls the functions available to the users including messages and coupons. A host contains a profile of a user. The memory, which is accessible to the logic server, may contain a profile of at least one user. A user card may contain a profile of the user. In operation, the ATM detects the a user's card and requests the profile of the user whose card was detected from a host. The ATM then receives the user's profile and stores the user's profile in the ATM. The system and method also provides a cardless ATM in which a user logs on without a card. Additionally, system and method also provides ATM services via a personal device.

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: 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 system for displaying strikes between bids and asks in a market over time includes a computer system. The computer system receives data for a plurality of strikes reflecting values specified in the strikes for a plurality of strike variables. The computer system generates a display of the received data. The display includes multiple polygons each representing a strike between a bid and an ask. Each polygon includes multiple contiguous parallelograms each associated with one or more different strike variables. One or more dimensions of each parallelogram each reflecting a value specified in the represented strike for a strike variables associated with the parallelogram. The display includes a strike variable axis representing a range of values for an additional strike variable. Each polygon is positioned with respect to the strike variable axis according to the value specified in the represented strike for the additional strike variable.

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: 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: Systems and methods for credit authorization are provided. In accordance with one embodiment, a method is provided for authorizing a credit request of customers of at least a first online shop and a second online shop. The method includes receiving a credit request from at least one of the first online shop and the second online shop, wherein the credit request is indicative of a requested credit amount by one of the customers. The method further includes accepting the credit request if the global payment obligation plus the credit amount does not surpass the global credit limits.

Abstract: A method for controlling access to a system of finite resources with excess demand employs a two stage admission process. Subscribers are first admitted based on an initial bid price and resource availability. The market price is determined by the highest bid price among the rejected arrivals in the current batch. Admitted subscribers are then given the option to secure continued access to the resource by accepting a fee-based reservation. The fee for the reservation is determined in a manner which is fair to the reserving subscriber, as well as all other subscribers, in that the reservation fee is priced to provide access at a cost which prevents arbitraging opportunities. If the current market price exceeds a non-reserved subscriber's bid price, that non-reserved subscriber is displaced. If the current market price exceeds a reserved subscriber's bid price, that reserved subscriber's reservation is activated and access to the resource continues.

Abstract: A method and system for accepting delayed payment of prepaid cards is described. The method includes providing a prepaid card to a purchaser, the prepaid card associated with a face value. The method includes, responsive to a redemption of the prepaid card, providing a consideration in accordance to the face value. The method includes receiving a payment for the prepaid card after the consideration has been provided.

Abstract: Providing adaptive visual browsing of digital content may be accomplished by presenting a scrolling ticker on a display for browsing of digital content available for viewing by a user of a processing system, the ticker having a plurality of items, each item including an image representing at least one of a content title and a content service provider; receiving a user input selection from a remote control device operated by the user, the user input selection selecting one of the ticker items to indicate the user's interest in the selected item; and changing at least one of the items in the ticker to another item in response to the user input selection, wherein the other item has metatags similar to or related to metatags of the selected item.

Abstract: Methods are provided for executing a money transfer from a first party to a second party. Customer instructions are received at a host system to stage the money transfer. The instructions include specification of an amount of money to be transferred, specification of a first currency in which the funds are to be provided by the first party, specification of a second currency different from the first currency in which the funds are to be received by the second party, and specification of a trigger currency exchange rate. Confirmation is received that the funds have been collected from the first party. A currency exchange rate between the first currency and the second currency is monitored. It is determined whether the monitored currency exchange rate is at least as favorable for the first party as the trigger currency exchange rate.

Abstract: A system providing a comprehensive tool useful in credit risk managing a set of loans. The system includes a method for obtaining an estimated financial outcome, i.e., a gain or a loss, for a particular loan, and applying the estimated loss for to the set. The system also includes a method for obtaining a probability of a loss for a particular loan, and applying the probability of loss to the set. The system further includes the generation of a list of loans from the set of loans with a heightened risk of loss.

Abstract: The present invention is a method for providing a low cost source of mortgage funding to sub-prime borrowers which reduces the desire of quality sub-prime borrowers to leave the mortgage pool. A lender may receive an amount of money from a financial institution in the form of a borrowing instrument. A lender may deliver an amount of money in the form of a collateralization loan to a housing agency. Housing agency may invest loan in one or more financial products, such as lender underwritten insurance policies. Housing agency may deliver individual mortgage loan recommendations to lender. Lender may borrow funds used in the collateralization loan by selling the interest bearing borrowing instrument to a financial institution. Lender may also sell individual mortgage loans to one or more government sponsored entities. From these financial products, borrowing instruments, and individual mortgages, mortgage funding may be provided to sub-prime borrowers.

Abstract: An anonymous trading system comprises an interconnected network of broking nodes arranged in cliques which receive buy and sell orders from trader terminals via connected trading engines and which match persistent orders, executed deals and distribute price information to trader terminals. Where two orders are matched, a proposed deal message is sent by the matching broker. If another broker has processed an event which makes the matched quote unavailable the match fails and rematch may occur. Rematch may be attempted by an intermediate broker provided it owns one side of the match, or it received both sides of the match from brokers in different cliques. The intermediate broker attempts to match with the next available quote in the queue.

Abstract: A multi-dimensional display of data related to market movement displays relative market movement, trend, and potential changes in trend for stocks futures, or options. The inventive system and method includes a unique graphical display of market information using static and dynamic elements of a multi-dimensional view. A Cylinder is provided as one potential geometrical shape or element for representing a single security (stock, futures or options contract). A Plate represents a reduced profile object (typically a thin plate) which contains sets or groups of Cylinders. A Map represents the surface on which Plates rest. A World represents a collection of all Maps. Measurements calculate data representative of market movement and changes in market movement and are displayed to the system user as variations in the geometry and color of the individual geometric elements.

Abstract: The present invention includes a data processing system and method for managing the origination of a mortgage loan by a loan originator in coordination with a loan broker for a loan customer. The loan originator is not the loan broker. The loan originator provides services necessary for the origination of the mortgage loan and not duplicative of services provided by the loan broker.