Abstract: A method begins by receiving an accounts payable data file from a client device. The method continues by determining whether a payables profile of a client associated with the client device is to be modified based on the accounts payable data file. The method continues by determining a level of service of the client when the payables profile is not to be modified. The method continues processing payment transactions for accounts payable contained in the accounts payable data file on behalf of the client in accordance with the payables profile via a wide area network when the level of service is a first level of service.

Abstract: An automated method for developing new products within a development entity, comprises receiving respective catalogs of technology assets, each including at least one of a patent, trade secret, know-how, documentation, prototypes, pre-production units, production samples, tooling, and demonstration frameworks. Each catalog corresponds to a discrete pool of technology assets having subject matter in common. The development entity also receives, from the originating owner, title to each pool in exchange for an equity interest in the development entity and an option to re-acquire the pool upon payment of a reacquisition fee to at least one primary investor. Further development of each technology asset pool is funded by at least one primary investor, who receives an equity interest in the development entity in exchange for its capital investments. Costs expended by the development entity to develop new product concepts corresponding to each asset pool are separately tracked.

Abstract: A system and associated method and service for providing a platform that enables members to transfer, receive, or otherwise exchange cash in various international denominations and commodities, such as precious metals (e.g., gold, silver, etc.), in a mobile highly secured telecommunications environment. The system is capable of delivering cash instantly between two or more users by allowing the exchange of secure transactions between system and cash dispensing machines (ATMs). Users may pay, receive, exchange, deposit, transfer, pay bills, exchange currency, retrieve cash, deposit cash and create accounts based on the mobile phone number or a system generated code.

Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.

Abstract: Methods and apparatus, including computer program products, for social networking services integrated with gift card services. In general, a profile of a member of a social networking service may be presented with one or more merchant credit services for prepaid merchant account credit, data characterizing a request to provide a credit service from the merchant credit services and a mobile phone number associated with an intended recipient of the first credit service may be received, and a message may be caused to be sent to the mobile phone number, where the message characterizes provision of the first credit service to the intended recipient. Interest in the credit service may be tracked and associated with a loyalty indicator associated with the member.

Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.

Abstract: A system comprises a memory operable to store a trading order for a particular quantity of a trading product, wherein a first portion of the particular quantity is a displayed quantity and a second portion of the particular quantity is a reserved quantity. The system further comprises a processor communicatively coupled to the memory and operable to disclose the displayed quantity to one or more market centers. The processor is further operable to identify a decay rate associated with the trading order. The processor is further operable to cause the reserved quantity to decay based at least in part on the identified decay rate.

Abstract: A system for managing merchant payment transaction processing accounts is provided. The system includes a merchant initialization system that receives merchant account data from a user, such as to provide a quote to the merchant for payment processing. A transaction pricing system receives the merchant account data and provides transaction pricing data for payment transaction processing in response to the merchant account information. User access to one or more merchant account pricing algorithms that are used generate the merchant account pricing data in response to the merchant account data is restricted to a predetermined set of users, so as to prevent unauthorized users from obtaining access to the merchant account pricing algorithms.

Abstract: Computer implemented systems and methods for providing customized pricing information based on limited personal data comprising receiving non-identifying demographic information about a prospective customer; receiving non-identifying location information about the prospective customer; receiving non-identifying information about a property of the prospective customer; automatically identifying a comparable segment of existing customers based on the non-identifying demographic information, the non-identifying location information, and the non-identifying information about the property of the prospective customer; automatically determining representative pricing information based on prices paid by existing customers in the comparable segment of existing customers; and generating displayable content comprising the representative pricing information. The displayable content may further comprise comparable rating and products information.

Abstract: A program for identifying and automatically acting on statistical arbitrage opportunities between related equities and contracts. The present invention describes an improved technique to perform statistical-pairs arbitraging in a dynamic marketplace with less risk than prior art approaches. The present invention employs an array of recent data and performance ratios involving bid and ask prices for correlated items, such as stocks.

Abstract: A value transfer system and methods are disclosed. A sending entity may initiate a cross-border value transfer by authenticating with an authentication system, where the authentication system communicates with an identity database populated with profiles for the sending entity and a recipient entity that contain government data, where the government data is used in the authentication process.

Abstract: Behavior associated with credit misuse is referred to herein as “intentional misuse of credit” (IMOC) behavior and individuals who exhibit IMOC behavior are referred to herein as IMOC individuals. Embodiments of the present invention provide systems, methods, and computer program products for reviewing, on a daily basis, financial-transaction data taken across a plurality of individual consumers, identifying individual consumers whose financial-transaction data indicates IMOC behavior, and flagging those individual consumers as IMOC individuals.

Abstract: A multi-account payment consolidation system and process, comprising a payment terminal at a point-of-sale. A central computer system is operatively coupled to the payment terminal through a network connection, the central computer system including at least a processor, and memory comprising program instructions. The program instructions are executable by the processor to register a plurality of external financial accounts and associate them with a user, register at least one customized rule-set for processing a payment associated with the user, authenticate the user when the user logs in at the payment terminal, automatically process the payment in accordance with the customized rule-set by accessing the external financial accounts, and receive a payment confirmation from the external financial accounts for display to the user on the payment terminal.

Abstract: The present invention generally relates to a system, report, and method for automatically generating a series of natural language news-based stories to be presented via a digital interface or printed publication to a portfolio user. The disclosure relates to a filter or selection of a handful of relevant and desired financial instruments, or events created in a large group of events such as sports results, travel information, auction related data, online shopping tools, social media, retail store promotion generation, search engine daily report, etc. for a specific use. These financial instruments, based on different selections from a portfolio manager via a management tool, are then used to either produce a strategies page where a list of useful covered call trade and hedged trade are displayed in the form of a table, or natural language news-based stories relating to a selected list of financial instruments found in a portfolio.

Abstract: In some embodiments, a process for performing transaction tasks using a virtual terminal comprises: presenting functions to a user, receiving a selected function, and performing the selected function. The presented functions may comprise: (a) activating at least one card; (b) deactivating a card; (c) generating a PIN; (d) inserting value; (e) generating an End of Day report; and (f) managing users.

Abstract: The present invention provides systems and methods for enabling a customer to sample content and select content for purchasing while the customer is in a retail store. Advantageously, the customer may be given one or more options for the delivery of the content.

Abstract: A computer system for receiving and evaluating requests for quotes for insurance services includes a processor; and a memory storage device in communication with the processor. The processor is adapted to: receive via a communications interface data including a request for a quote to provide insurance services with respect to a first risk; verify and augment the received data with respect to one or more sources of data; determine based on the verified and augmented received data whether a quote will be provided with respect to the first risk; and provide an output signal including the received data and at least a portion of the augmented data to a third party server.

Abstract: A method and system for providing geographic location notifications of payment transactions is disclosed. One embodiment of the invention is directed to a method including receiving an authorization request message associated with a transaction, the transaction associated with a portable consumer device and an access device at a merchant. A geographic location of the transaction is determined. It is determined whether a notification message indicating that the transaction is occurring is required. Upon determining that the notification message is required, the notification message is sent to a notification device operated by a consumer and the notification device receives the notification message substantially simultaneously with the merchant's receipt of an authorization response message. A graphical depiction of the notification message is displayed on a map on the notification device.

Abstract: A computerized system and method of calculating a discount index value for a supplier can include receiving information related to a plurality of discount leverage factors for the supplier, calculating a discount index value for the supplier based on the information related to the discount leverage factors, receiving information related to an actual discount event for the supplier, recalculating the discount index value for the supplier based on the discount leverage factors and the information related to actual discount events, and displaying the discount index value for the supplier. The system and method can also include placing the discount index value on a discount index scale, defining a plurality of discount leverage regions on the discount index scale, and attributing a leverage value to the supplier based on the proximity of the discount index value to one of the discount leverage regions.

Abstract: A system for and method of providing payment protection upon the occurrence of trigger events. The system and method include an account, which may be associated with a credit card or other financial product. An accountholder may select trigger events and associated benefits. Upon the occurrence of a trigger event, the issuing entity will evaluate whether the accountholder is entitled to receive an associated benefit. Each benefit is intended to address at least one payment obligation. For example, an account may include payment protection in the form of automatic payment of minimum monthly credit card fees should the accountholder involuntarily become unemployed.