Abstract: The present invention generally provides for systems and methods for netting payments and collateral. Generally, systems and methods of the present invention maximize market liquidity and minimize financial risk and collateral burdens of participants.

Abstract: A reporting and analyzing mortgage information system and method include receiving portfolio information from a lender, presenting the lender with predictive modeling and recapture metrics. The system provides for the dynamic definition of data sets and report sets using the received portfolio information and industry-wide recapture metrics. The recapture metrics are derived by matching loan payoff and new loan origination activity.

Abstract: The present invention contemplates a variety of improved methods and systems for providing an experience platform, as well as sentio or experience codecs, and experience agents for supporting the experience platform. The experience platform may be provided by a service provider to enable an experience provider to compose and direct a participant experience. The service provider monetizes the experience by charging the experience provider and/or the participants for services. The participant experience can involve one or more experience participants. The experience provider can create an experience with a variety of dimensions and features. As will be appreciated, the following description provides one paradigm for understanding the multi-dimensional experience available to the participants. There are many suitable ways of describing, characterizing and implementing the experience platform contemplated herein.

Abstract: A method and system to facilitate on-line transactions is presented. An example system, in one embodiment, comprises a content scanner, a security symbol resolver, a web page manipulator, an event detector, and a trading ticket activator. The content scanner may be configured to scan a web page in order to detect security symbol information. The page manipulator may be configured to insert a trading control into the web page to produce a trade-enabled web page. The trading control may be used by users accessing the trade-enabled web page to initiate trades using the trading service associated with the trading control. The system may be provided on a client (e.g., as a browser plug-in) or on a server, as a trading access module associated with a particular web site.

Abstract: A system and method for distributing mobile gift cards is described. One embodiment, a computer-server-based method, receives a selection of a merchant with which to associate a mobile gift card, receives an indication of a monetary amount for the mobile gift card, receives an electronic payment for the monetary amount, applies the monetary amount to the mobile gift card, associates the mobile gift card with a recipient's phone number, and transmits a notification of the mobile gift card to a mobile device associated with the recipient's phone number, the computer server acting as a server-side wallet for the mobile gift card, the mobile gift card being usable, through interaction with the computer server, by the recipient for the purchase of goods from the merchant associated with the mobile gift card.

Abstract: A method and system to facilitate on-line trading is presented. An example system, in one embodiment, comprises a web page scanner, a trading control generator, an event detector, and a trading ticket generator. The web page scanner may be configured to scan a web page in order to detect security symbol information. The trading control generator may be configured to present a trading control to associate visually the trading control with the detected security symbol information, the trading control to access a trading service. The event detector may be configured to detect an event associated with the trading control, so that the trading ticket generator receives a request to launch a trading ticket associated with the security symbol information. A trading ticket may be then utilized by a user for submitting a security order using the trading service.

Abstract: According to some embodiments, supplemental information about a consumer is determined, the consumer being associated with a first level of credit availability. One of a plurality of potential credit migration paths may then be selected for the consumer based on the supplemental information. Each potential credit migration path may, for example, begin at the first level of credit availability, include a plurality of intermediate credit products, and end at a level of credit availability higher than the first level. An offer for an intermediate credit product may then be transmitted to the consumer based on the selected credit migration path.

Abstract: After a charge has been made with a credit card, the charge may be analyzed to determine if it may be transferred to a line of credit. The credit card may be monitored for purchases that match rules or criteria set by a user and/or an institution system. If the transaction meets the rules and/or criteria, the charge on the credit card may be paid with funds from the line of credit. In an implementation, instead of the user waiting for the credit card bill and then paying the amount of the charge on the bill from the line of credit, the institution system automatically performs the transfer for the user (e.g., pays the charge on the credit card with funds from the line of credit).

Abstract: A system and method, such as an interface, for real time redemption of currency of two or more reward programs. The interface allows a participant to redeem in real time currency of one program in which a participant has an account with currency of one or more other programs in which the participant also has an account. Thus, the participant can selectively use in real time the currencies from two or more programs for redemption via one of the programs.

Abstract: A system is provided for administering a destination fund having a guarantee wrapper. The guarantee provides an income stream for life to one or more investors. The destination fund has a selected mix of equities and fixed income investments to provide for enhanced returns throughout retirement for the investor. The destination fund additionally provides income stream flexibility throughout the lifetime of the investor. Administration of a destination fund having a guarantee wrapper may include initiating a guarantee payment process if a value of the destination fund falls below a threshold.

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.

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.

Abstract: A system for providing relationship management in an auction environment can include a relationship management system and an auction system. The relationship management system and the auction system are communicatively coupled to one another. The relationship management system is configured to provide a relationship management function in conjunction with access to the auction system.

Abstract: A method for facilitating the sale of a loan having a loan asset and a service asset is provided. The method includes the steps of receiving a bid from one or more servicers for purchasing the servicing asset and receiving a loan commitment selection from a lender. The method further includes selecting a servicer from the one or more servicers with a lender based upon a predefined set of criteria for selecting a servicer. The method also includes generating an all-in price, the all-in price including the price for purchasing the loan asset and the servicing.

Abstract: A system and method to: Protect the process used to hedge Class II handler milk price exposure and to allow the Class II handler to control the use of the process for its customers, producers, or others who are deemed suitable to the Class II handler and are willing to compensate the Class II handler to utilize the process for their hedging requirements. In one aspect of the invention, the Class II handler will be able to offer to its customers a way to transparently hedge (or set) its milk price as a component of its finished goods cost in a fashion that is correlated in accordance to all FASB and Sarbanes-Oxley financial reporting requirements, and provide a competitive advantage over others. The system and method can be applied in analogous ways to buyers and suppliers of different components used for different finished goods.

Abstract: A method and system for merging mobile gift cards is described. One embodiment transmits to a mobile device associated with a user a list of a plurality of mobile gift cards associated with a particular merchant that belong to the user, receives from the user via the mobile device a selection of a particular mobile gift card, receives from the user via the mobile device a selection of one or more other mobile gift cards associated with the particular merchant to be merged with the particular mobile gift card, and moves to the particular mobile gift card the remaining monetary balance of each of the other mobile gift cards selected by the user. In some embodiments, the merging operation is automated in the mobile-commerce platform.

Abstract: A computer system and method, for real estate transactions concerning the purchase or sale of real property, comprises engaging a realtor and a mortgage originator for providing unified communication among a client, the realtor and the mortgage originator, providing a simplified loan process for the client and upon a sale and purchase of the property, distributing to the client a predetermined portion of money from the real estate commission received by the realtor and a portion of the mortgage origination proceeds to the realtor, such that upon any combination of a sale and purchase of the property, the client receives a predetermined portion of money from the purchase price of the property, the loan amount and the listing fee, the realtor receives the full amount of the predetermined real estate commission for the sale consummated, and the mortgage originator receives a proportionately smaller portion of the mortgage origination proceeds.

Abstract: A method includes accepting financial product information through a provider computer; accepting advisor information and client information; allowing access to a portion of the financial product information, based on the client information, through a client computer; allowing access to another portion of the financial product information not accessible through the client computer, based on the advisor information, through an advisor computer; and tracking and reporting the advisor information and the client information through metrics.

Abstract: A system, method, and computer program product are used for saving through use of transaction cards. This is done through associating a transaction account of the transaction card with one or more deposit accounts. An amount of funds to be deposited from the transaction account into the deposit account is established. A number of times a deposit will be made is established. A time duration between the deposits when more than one deposit will be made is established. An event that initiates at least a first one of the deposits is established. The amount of funds from the transaction card account is deposited into the deposit account based on the above criteria.

Abstract: A customer-directed rounded-amount investment method includes determining whether a debit-card transaction is a qualifying transaction, determining whether the debit-card transaction is an odd-amount transaction and, if the transaction is an odd-amount qualifying transaction, crediting a customer-directed account in a rounded-difference amount.