Abstract: A computer-based system for determining insurance premium taxes (IPT) for multiple clients 18 in a plurality of countries comprises an electronic database 12 containing data identifying (a) a plurality of classes of risk in each country for which IPT is payable, (b) the tax rates for each tax type applicable to each class of risk in each country, (c) the tax-collection organization(s) in each country for each class of risk, and (d) financial data supplied by clients. Software 10 associated with the database receives financial data from each client relating to insurance transactions for which IPT is payable and stores said data in the database 12, determines from said financial data the relevant class(es) of risk for each country and the tax payable in respect thereof to each tax-collection organization in the country, and prepares a tax return for each transaction for which IPT is due.

Abstract: In a trading system for trading securities or the like, traders are given various methods for providing protection from poor executions caused by adverse movements in the market and/or other traders seeking to “game” the system.

Abstract: Methods, systems and computer program products for customizing one or more advertisements are described. Specifically, advertisements may be customized using information from content of a web page prior to viewing by a user. For example, the rendering of the text of an advertisement may be in a same size, color, and font type as the text on the web page into which the advertisement is integrated. In addition, the advertisement may be displayed using a same color scheme as that used by the web page such that the advertisement may be enhanced in terms of notice and interaction by the user.

Abstract: A database is provided for storing a plurality of sales transactions between buyers and sellers, where each sales transaction may involve, for example, the sale of a product. A signal is received indicating that the selected buyer wishes to register with the seller product information associated with a product of a sales transaction, the sales transaction in the database is identified, the product information is retrieved from the database, and is transmitted to the seller, along with information identifying the buyer.

Abstract: A system and method for enhancing financial institution revenue through acceleration of debit processing is provided. The method includes modeling the processing of account debit transactions, identifying ways to accelerate the processing of the account debit transactions and accelerating the account debit transactions. In a further embodiment, account debit transaction processing is accelerated from beginning on what has traditionally been referred to as Day 0 to beginning on some day before Day 0.

Abstract: The present invention, therefore, provides systems and methods for overcoming certain deficiencies in the prior art. For example, in accordance with one embodiment of the invention, a system is provided for producing a customized advertising insert for a particular billing statement. The particular billing statement can be associated with a particular customer, and a system for producing the insert in accordance with embodiments of the invention can comprise an industrial printer adapted to produce at least one customized advertising insert from at least one customized advertising insert image. This system can further comprise a collating device configured to receive at least one customized advertising insert from the industrial printer. The collating device can further be configured to associate the at least one customized advertising insert with the particular billing statement. The customized advertising insert and a particular billing statement can each comprise a common identifier.

Abstract: At least one aspect comprises a method comprising: (a) receiving electronic data describing a trading order from a market participant; (b) associating the trading order with one or more target brokers, (c) selecting with a processing system one or more first trading algorithms from a plurality of available stored algorithms for execution of the trading order; (d) commencing with the processing system execution of the trading order via the one or more first trading algorithms; (e) evaluating with the processing system quality of execution, during the execution, of the trading order via the one or more first trading algorithms; and (f) if the evaluated quality of execution compares unfavorably to a threshold of acceptability, switching with the processing system the execution of the trading order to one or more second trading algorithms, wherein the processing system comprises one or more processors.

Abstract: A computer system is provided for selecting an asset allocation for an investment portfolio intended to produce a target payout starting at a target date. The computer system is programmed to receive inputs that may relate to the target payout, the target date and a nominal rate of contributions to the investment portfolio. The computer system calculates a plurality of simulated investment outcomes based on assumed investment return rates and assumed inflation rates. The assumed investment return rates and assumed inflation rates are randomly selected in multi-year clusters from historical data. The computer system selects the asset allocation based on relative performance of the assumed asset allocations in the simulated investment outcomes.

Abstract: An account coordination system includes an Internet-connected server executing software from a non-transitory, machine-readable medium. The software provides direct linking between the server and two or more financial enterprises hosting each at least one financial account for a specific user and having an interactive interface through which the user may interact with his/her account, direct linking between the server and one or more third-party enterprises providing interactive interfaces through which the user may access and interact with one or more of the financial accounts at the financial enterprises, and tracking functionality whereby the server tracks activity by the user at any of the interactive interfaces through which the user may interact with one of the financial accounts. The server propagates any change made in an account by the user at any one of the interactive interfaces to the sites hosting the other interactive interfaces.

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: A system and computer-implemented method for determining a margin requirement associated with a plurality of financial instruments within a portfolio is disclosed.

Abstract: A method of controlling the value of at least one on-line transaction involving a token associated with an authorized user comprises the steps of: prior to the at least one proposed transaction, receiving at a pre-transaction authorization station, pre-transaction authorization data. The authorization data comprises first time data relating to a time window within which the at least one proposed transaction must take place and first amount data relating to an amount with which a value of the at least one proposed transaction must comply. Substantially at the time of a proposed transaction, transaction data comprising second time data relating to a time instant of the proposed transaction and second amount data relating to a value of the proposed transaction is received at the authorization station. The authentication data and transaction data are compared in real time at 34 and only if the transaction data complies with the authorization data, is the transaction enabled.

Abstract: A method of transferring a financial account from an existing financial institution to a new financial institution includes receiving a customer request for financial account transfer, determining information regarding the existing financial institution using information stored at the new financial institution, receiving, via an aggregation tool, information regarding the financial account, determining financial obligations associated with the financial account using the received information, and populating a database of the new financial institution to reflect the determined financial obligations.

Abstract: An embodiment of the present invention provides a system and method for a sponsoring organization to: (1) utilize a rules-based computer system to capture trade orders from sub-advisors (money management firms) in order to implement a pre trade compliance review process, thereby enabling the sponsoring organization to prevent the execution of trade orders by a sub advisor that violates securities laws and/or account restrictions; and (2) determine and assign, based on expected market impact of a trade order to buy or sell securities, whether responsibility (discretion over the decisions related to how, when and with whom a trade order is executed) for executing the trade order is assigned to the money management firm for an investment portfolio or to the sponsoring organization of that portfolio. Trade orders are categorized in real-time as “high touch” (significant effort and market impact) or “low touch” (insignificant effort and market impact).

Abstract: Method and system are directed to capturing consumer agreement to the terms of a transaction conducted online. The method/system uses a modular electronic signature block that may be applied to electronic versions of any standardized form. The electronic signature is implemented in a non-invasive way that does not alter or replace the contents of the electronic forms. The modular nature of the electronic signature block allows a separate electronic signature to be used for each online form, or a single electronic signature for multiple online forms. The online forms themselves are generated by populating a generic template of the standardized forms with consumer-specific data. The electronically-signed forms may thereafter be stored as data for a particular template. Such an arrangement provides a more secure, reproducible, verifiable, and unalterable means of capturing consumer consent, thereby allowing consumer transactions to be conducted entirely online.

Abstract: A user selects a product to be liquidated from a product provider and then designates to the transacting entity that reward points are to be used towards the purchase of the liquidated product. The transacting entity acts to decrease the number of reward points in the user's reward account by the required number of points. The reward account holder conveys consideration to the transacting entity equivalent to the par value of the reward points consumer obtains the product in exchange for reward points having a retail value equivalent to what he would have otherwise paid for the product, while the reward account holder is required to convey only the par value of the points. The product provider is able to liquidate the product and obtain payment equivalent to what it would otherwise have obtained in a prior art liquidation process, auction or trading environment.

Abstract: A system and method for factoring in a trader's trading activity into the margin requirements is disclosed. In the securities arena, day traders are assessed different margins than non-day-traders, however, the specific profile of the trader is analyzed (that is, the same rule applies to all day traders).

Abstract: A database is provided for storing a plurality of primary sales transactions between buyers and sellers. An electronic receipt is generated for one of the sales transactions, the electronic receipt is transmitted to a device associated with a user, and a signal is received from the user whereby a sales transaction is initiated relating to a secondary purchase.

Abstract: The present invention provides a method and a system for consolidating bill payment-related information. A consolidation toolbar is installed inside the browser of a user's computer. The consolidation toolbar enables the user to interact with a virtual consolidation system for facilitating online bill payment-related activities. Lists of all the billers that are of interest to the user are presented through the consolidation toolbar. On selecting a biller, the user is presented with the login page on the biller's web site. The virtual consolidation system assists the user in providing the required information on various web pages on the selected biller's web site, to perform various payment-related activities.

Abstract: A trading system is described herein for hosting a collection of one or more electronic exchanges. The collection of electronic exchanges may be made up of separately designated exchanges under one or more authorizing and regulating bodies. The trading system receives from traders bids to purchase and offers to sell a tradeable object listed at one of the electronic exchanges. Then, the trading system directs the bids and offers to the appropriate exchange where the bids and offers may be automatically matched in the corresponding market. The trading system may also be used to take actions in one or more markets that are internal and external to the trading system on behalf of a trader using preprogrammed trading instructions.