Abstract: A system and method are provided for displaying information related to a plurality of tradeable objects using a single graphical interface. One example graphical interface includes at least two screen regions displayed in relation to each other, with each region including a plurality of locations. Each location in the first screen region corresponds to a value along a first value axis, and each location in the second screen region corresponds to a value along a second value axis. The graphical interface also includes a first indicator in the first region and a second indicator in the second region. In response to a repositioning command based on an algorithm, the graphical interface includes a repositioned first value axis and the second value axis, such that the indicators are displayed in new locations determined based on the algorithm.

Abstract: In automated exchange system, a single matching unit is supplemented with a calculation unit and a global memory accessible by both the calculation unit and the matching unit. Such a computer architecture will make it possible to perform some of the calculations related to the volume and/or prices of the baits needed in the matching to be performed in advance. The matching process is able to use the values resulting from the pre-calculation when needed, and since no or few calculations are done in one of the most critical parts of the system, i.e. the matching unit, the process of matching combination contracts can be performed at a much higher rate. Hereby the performance of the matching process will be significantly increased. The provision of one or several calculation units will make it possible to perform even very complex calculations can be performed since most calculations need not be performed in real time.

Abstract: A service provider facilitates consumption of goods, brands, or services on an interactive network using characterizations of consumers, behavior, brands, consumable goods, advertisers, and advocates to determine a three-way match between a consumable good, a consumer, and an advocate. The matching method determines one or more goods likely to be benefit from the marketing scheme by maximizing the estimated contextual value of personalized advocacy. Further, the service provider captures the value of the personalized advocacy in each match, and distributes that value in the form of various marketing incentives.

Abstract: A service provider facilitates consumption of goods, brands, or services on an interactive network using characterizations of consumers, behavior, brands, consumable goods, advertisers, and advocates to determine a three-way match between a consumable good, a consumer, and an advocate. The matching method determines one or more likely consumers by maximizing the estimated contextual value of personalized advocacy. Further, the service provider captures the value of the personalized advocacy in each match, and distributes that value in the form of various marketing incentives.

Abstract: A method for online lending services with the creation and population of loan applications and other related documents in Portable Document Format (PDF) for subsequent access by applicant and other entities. Consumers use their Web browsers for access and said method includes an Application Service Provider (ASP) architecture, a loan origination site interface, and a secure server facility.

Abstract: A method and system for providing remote access to trade functionality at a financial service provider is disclosed. A messaging protocol is provided which allows a party remote from the provider to price and enter into transactions with the provider. The messaging protocol is well suited for use in stateless communication networks, such as the Internet, and requires only minimal support functionality at the remote site to implement, thus making the system easy to use by a wide variety of types of remote systems.

Abstract: The present invention facilitates transactions by providing a revolving use account that is associated with a primary account number, wherein the revolving use account is presented to the merchant to initiate a transaction. More particularly, the system involves the process of registering a user's primary account (if not already pre-registered) to use in a transaction system; generating a revolving use account and issuing this number one or more separate users and/or transaction devices, where the user presents this revolving use account to a merchant to complete a transaction. Additionally, the revolving use account may also carry with it certain limitations-on-use conditions, where a transaction is not authorized unless these conditions are met. In generating a revolving use account, the issuer generates a random number and associates this number with the user's primary charge account.

Abstract: A service provider facilitates consumption of goods, brands, or services on an interactive network using characterizations of consumers, behavior, brands, consumable goods, advertisers, and advocates to determine a three-way match between a consumable good, a consumer, and an advocate. The matching method determines one or more advocates by maximizing the estimated contextual value of personalized advocacy. Further, the service provider captures the value of the personalized advocacy in each match, and distributes that value in the form of various marketing incentive.

Abstract: Apparatus and method for trading commodities with automatic hedging for odd lot offers. The apparatus automatically accepts odd lot offers on behalf of buyers and aggregates them with other odd lot offers of the same commodity symbol until there are enough bushels to reach a predetermined threshold, or “tipping point,” which causes the system to automatically calculate the optimum number of full lot futures contracts to sell at the market price in order to offset risk associated with accepting the odd lot offers, and to automatically secure the optimum number of full lot futures contracts. The system reduces or eliminates situations where no transactions are executed due to the market's failure to reach a certain price, and reduces the buyers' exposure to slippage on accumulated odd lots.

Abstract: Until recently, risk models have been built using low frequency data, such as weekly or monthly data. This approach has resulted in a necessary compromise between model stability for which one needs a long history of data, and model responsiveness, for which, the shorter the history, the better. Stability plus responsiveness can be achieved if one uses daily data, which allows for a large number of observations to be used in model estimation without using long out-of-date data. Daily data have other problems, however, as the differing closing times of markets worldwide may induce spurious relationships across model factors. In particular, correlations between markets may appear lower than they truly are due to a market lag effect. To address such issues, a stable, daily data-based factor risk model is described which takes account of the differing market closing times and corrects the model factor correlations and specific returns accordingly.

Abstract: A system, method and computer program product provides for portfolio analysis in one or more exemplary periods. The method may includes determining weight and return measures between a plurality of assets based upon the likely performance of the assets. The method may also includes determining at least one allocation measure (AM) of the plurality of assets, and decomposing the at least one allocation measure (AM) respectively into at least one static allocation (SA) measure and at least one dynamic allocation (DA) measure. The method may also include determining at least one variance measure (VM); and decomposing the at least one variance measure (VM) into at least one static variance (SV) measure and at least one dynamic variance (DV) measure. The measure may also include attributing performance of the active portfolio of the at least one active portfolio manager across the SA, DA, SV and DV.

Abstract: A retirement fund program managed by computer software requiring an initial fixed investment and producing an ever increasing revenue stream to a group of participant investors organized by life expectancy and grouped into an investment partnership. A financial portfolio is created from the monies invested by each investor and is used to manage high quality securities to generate income for the partnership. Periodically, the surviving members of the partnership are entitled to receive the revenue generated from the portfolio, which statistically will increase as fewer participant investors survive. The partnership can purchase term life insurance on each participant investor, so that the initial investment can be returned to the estate of a participant investor if the participant investor becomes deceased during the program. Upon termination of the program, all remaining assets will be distributed pro rata among the living participant investors of the investment partnership.

Abstract: In one embodiment of the present invention, a method for financing acquisition of a vehicle is disclosed. The method comprises receiving a future interest in a vehicle in consideration for a future interest price upon transfer of a legal title in the vehicle in consideration for a legal title price.

Abstract: Methods and systems for bidding on items include a predetermined price or range associated with an item, the price not disclosed to bidders. Successful bids conform to a predetermined success rule(s) determined independently of the amounts of other bids. Successful bids can be immediately communicated to the successful bidders. Price adjustments, typically discounts, can be determined and communicated prior to fulfillment.

Abstract: A system for processing a composite trading order comprises a memory operable to store market data received from one or more market centers. The system further comprises a processor operable to generate a composite value based at least in part on the market data. The processor is further operable to receive a composite trading order associated with at least a portion of the composite value. The processor is further operable to generate a plurality of constituent trading orders that, when filled, combine to satisfy the composite trading order.

Abstract: A method and system for selecting a preferred debt instrument (e.g., mortgage) for an individual consumer, where the option adjusted spreads (OAS) and risk measures of a plurality of debt instruments are determined and ranked using standard bond valuation methodology. A typical scenario involves a consumer inputting a plurality of mortgages and associated features (e.g., term of loan or type of interest rate) and receiving the option adjusted spread and risk measure for each mortgage, from which the consumer may select the appropriate mortgage having the lowest option adjusted spread within his or her risk tolerance. These steps can be implemented by a computer which includes a central processing unit (CPU) and a computer code operatively associated with the CPU. The relative option adjusted spreads and risk measures of various debt instruments can be displayed on a visual display or used to automatically commence the financing of a mortgage.

Abstract: Systems and methods are provided for trading and calculating the composition of foreign currencies indexed financial instruments. The compositions of the financial instruments are determined by calculating a geometric average of the exchange rates of foreign currencies with corresponding competitive weights. The competitive weights for each of the foreign currencies reflects competition between the goods of the United States and a country corresponding to the foreign currency in the markets of third countries.

Abstract: A method of creating a personalized targeted advertisement for displaying on a webpage of a website is disclosed. The personalized targeted advertisement includes features to provide direct communication between a sender and a recipient of the personalized targeted advertisement. A selection of an advertisement template from a plurality of advertisement templates is detected. Then, a media file and a custom message are received to build the personalized targeted advertisement. The personalized targeted advertisement is then sent to the recipient identified by a unique identification. The advertising server is notified so that the personalized targeted advertisement can be displayed when the recipient identified by the unique identification logs into the website.

Abstract: A system and method for providing real time financial product matching is disclosed. In one embodiment, the real time financial product matching system may store one or more financial product data records. Each financial product data record may be associated with a financial product. The real time financial product matching system may receive a customer data record associated with a customer, the customer data record including a customer preference related to financial products. The real time financial product matching system may then match the customer with one or more financial products in real time by comparing the customer data record to the one or more financial product data records. And, the real time financial product matching system may present the matched one or more financial products to the customer in real time.

Abstract: The provision of parametric D&O insurance and reinsurance policies is afforded by systems and methods for determining one or more parametric indices of the risk arising from aggregate litigation activity, which risk is correlated with the financial exposures (e.g., payment cash flows) of the insureds' exposed to such claims, and of the insurers who provide primary D&O insurance coverage. A parametric index is for a given policy is determined from a set of parameters that define the type, scope, timing of litigation activity for the index, as well as details how the index values are determined from the underlying litigation exposure. The system and method further determine whether payments are due under such a policy and their amounts.