Abstract: A method and system for processing communications between travel service providers and travel insurers where travel service providers use different messaging formats. A travel service provider transmits itinerary data to a travel insurer in one messaging format. The travel insurer may then convert the itinerary data into a format compatible with the travel insurer's system and determine an optimal policy choice based on the itinerary data. The travel insurer may then transmit this choice to the travel service provider in the travel service provider's preferred messaging format, and the travel service provider offers the product to the consumer through the travel service provider's interface.

Abstract: The present invention includes an electronic platform where business credit can be created, affiliated, transmitted, redeemed and processed, etc. in connection with multiple redeemers. The present invention includes an electronic platform where business credit can be purchased, sold and/or gifted in connection with multiple redeemers. The present invention also includes an electronic platform where business credit can be accounted for, monitored, and organized, etc. Furthermore, the present invention provides the ability to redeem business credit (including store credit) in connection with multiple redemptions through multiple redeemers, via a single redemption apparatus (e.g., a smart card).

Abstract: An organizer freely designates a purpose, forms a community, very easily and efficiently collects money from participants, and gives a gift. To accomplish this, a community gift system that, when giving a gift to a specified recipient, allows an organizer and participants to form a community and collect money in the community as a cost of gift giving, includes a generator that generates a community database including name data of the organizer and data of the recipient in response to access via a network from the organizer who plans the gift giving, and a storage unit that accepts payment of money via the network from a participant who has approved of the gift giving, and stores data of the paid money in the community database so that the money can be used as the cost of the gift giving.

Abstract: Methods and systems for providing estimated insurance quotes/premiums are described herein. After analyzing rate factors, a subset of rate factors are selected that yield a fairly accurate estimated insurance premium from a minimum amount of information easily obtainable from a user. The user inputs a value from a predetermined set of allowable inputs (value input filter). After receiving and analyzing the user inputs, the system generates one or more estimates and displays the one or more estimates to the user, e.g., via a web page. When multiple estimates are provided, the multiple estimates may differ based on the level of coverage, add-on features, or both. Readily known non-personal identifying information is preferably requested and used, thereby alleviating privacy concerns while still being able to provide an estimate to the user very quickly, e.g., under 30 seconds, once all the requested information is obtained.

Abstract: A computer-based apparatus for representing and acting on an indexed reversionary annuity, including a memory unit for at least one specially programmed computer configured to store computer readable instructions and an initial income amount, and a processor for the at least one specially programmed computer configured to execute the computer readable instructions to determine a set of indexing parameters P and generate an updated income amount at an end of a specified indexing term T based in part on performance of at least one index and the set of indexing parameters P.

Abstract: Systems and methods are provided to generate tools to evaluate the probability of an account being actually used by a business rather than an individual. In one aspect, a computing apparatus includes: a data warehouse configured to store transaction data of accounts issued by a plurality of issuers; and at least one processor configured to calculate values of a first plurality of variables for each of the accounts using the transaction data of the accounts issued by the plurality of issuers. The accounts include business accounts and non-business accounts. The at least one processor is further configured to identify a second plurality of variables from the first plurality of variables for a classification model to distinguish, using the values and logistic regression, the business accounts from the non-business accounts.

Abstract: To improve the performance of a market data platform, a market data platform includes a hardware offload solution that allows received financial information to bypass the software portion of the platform and be written directly into memory. The hardware offload solution includes a field programmable gate array (FPGA) that takes over responsibility for some tasks that were previously performed in software. These tasks include performing line arbitrage on financial information feed pairs to ensure that an accurate copy of the financial information feed is obtained and stored in memory as quickly as possible. These tasks also include performing memory paging in order to allow financial orders to be stored and accessed in an efficient manner.

Abstract: Systems and methods for providing online promotions integrated with social network-based platforms are disclosed. Promotion details such as rules, offered prizes, incentives and descriptions, survey questions, display banners, terms and conditions, privacy policy, and social networks to integrate the promotion with, are provided by the sponsoring organization to a server. The server generates a custom promotion application and/or widget for integrating with the organization's social network webpage and/or webpages external to social networks. A participant enters the promotion through these webpages or other links and lists friends in the social network to receive an invitation to enter the promotion.

Abstract: A method of arranging for payment of a purchase includes receiving, from a supplier, agreement to accept a payment from a buyer via use of a payment card having variable payment terms; after a purchase by the buyer from the supplier, assessing the supplier a standard interchange rate; receiving, from the buyer, approval to pay the invoice; and issuing, to the supplier, a rebate, based upon when the approval to pay the invoice was received. the variable payment terms are calculated by: determining a first early payment date; determining a second standard payment date; assessing against the supplier a first percentage of the standard interchange rate if the invoice is approved by the first early payment date; and assessing against the supplier a second percentage of the standard interchange rate if the invoice is approved on or after the second standard payment date.

Abstract: In an automated exchange, comprising a matching module, a received order is validated for risk purposes before a match process begins. Hereby it is made possible to reduce the total financial exposure by a customer to the automated exchange.

Abstract: Electronic payment systems and supporting methods and devices are described. For instance, the disclosed subject matter describes aggregated transactional account functionality configured to receive electronic financial transactions associated with one or more of a set of electronic identifying information such as phone ID, email, instant message, etc. for a user and related functionality. The disclosed details enable various refinements and modifications according to system design and tradeoff considerations.

Abstract: Methods, systems, and products charge a battery in a vehicle. A charging station selects charging parameters based on a vehicle identification number associated with the vehicle.

Abstract: In connection with a sales transaction, product information is directly collected from the product provided with a label or tag that can be electronically scanned by, for example, optical scanning technology or radio-frequency scanning technology. The product information is electronically provided to the buyer in the form of an electronic receipt.

Abstract: A computer-implemented method includes generating, using an embedded client application, a keyword context for a container document holding the embedded client application; generating, using the embedded client application, a geographic context associated with a device on which the container document is displayed; submitting the keyword context and the geographic context to a remote server; and displaying an interactive application using information obtained in response to the submission of the keyword context and geographic criteria.

Abstract: Systems and methods provide for an automated system for analyzing damage and processing claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video, and if the server determines that any of the submitted photos/video is unacceptable, the mobile device may capture additional photos/video until all of the data are deemed acceptable. To aid in damage analysis, the server may also interface with various internal and external databases storing reference images of undamaged items and cost estimate information for repairing previously analyzed damages to similar items. Further still, the server may generate a payment for compensating a claimant for repair of the insured item.

Abstract: The invention relates to a system for providing a site-related weather insurance contract for a product, such as an agricultural product like seeds or fertilizer. The system comprises a central data processing unit (CDPU), a remote measurement device (RMD) for the measurement of site-dependent weather parameters, and a remote data processing unit (RDPU) of a retailer. The RMD measures and provides the site-dependent weather parameters as remotely measured data. The RMD communicates the remotely measured data to a CDPU. The RDPU generates a data set (RDPU data) an insurance ID code and communicates the RDPU data to a CDPU. The CDPU receives the RDPU data and generates an individual contract confirmation code and communicates it to at least one remote communication device (UCD). The invention further relates to a method and a retailer remote communication device (RRCD), computer software, and a data storage medium, each usable with the system.

Abstract: A financial instrument, and associated systems and methods, provide direct financial incentives to individual investors to maintain and improve their health. The financial product has a base rate of return which is based on the investor's well-being category or other characteristics. The base rate of return is retrospectively adjusted at the end of the time period based on changes in the investor's well-being category, with improvements in well-being category typically resulting in an increased rate of return. A number of integrated analytic and predictive models are used to determine investor morbidity risk, the well-being categories, investor migration between categories, the investor payouts, and the portfolio allocation for investments underlying the financial instrument.

Abstract: A system and method of certifying a check which involves a captured image of the check. An example method includes receiving by a first computer a request from a second computer to certify a check from a payer to a payee, the check serving to withdraw funds from an account of the payer, receiving by the first computer an image file containing an image of the check from the second computer, obtaining an account number and an amount from the image file by the first computer, determining using the account number whether funds equal to the amount are in the account, and when funds equal to the amount are in the account, putting a hold on the funds equal to the amount and issuing a certification number and a password by the first computer.

Abstract: A software based process which includes marketing and additional documents created dynamically from templates specific to the audience reviewing and approving the policy package for further distribution, and in one non-limiting example eventually reaching the insured. In non-limiting examples, a typical distribution chain could include (1) an Insurance Provider (Carrier) to Wholesale Brokerage Agency or Broker to an Agent or Retail Agency to an Insured; (2) Insurance Provider (Carrier) to an Insured; or (3) Insurance Provider (Carrier) to a Direct Marketer to an Insured or any combination of the above.

Abstract: The present invention relates to a method and system for offering mandatorily convertible securities (e.g., DECS) with associated forward purchase contracts and call options. Each mandatorily convertible security combines a forward purchase contract, a mandatory portable remarketable security, and a call option to form a single investment unit. The call option provides additional capital to the issuer of the investment unit and profits to the remarketing agent handling the mandatory portable remarketable security.