Abstract: A method for charging a payer includes detecting a payer device, which is associated with a payer account, entering an event area. The payer device is then associated with an event invoice in a database. When the payer device is determined to have been involved in at least one payer charging event while being located in the event area, a charge is associated with the event invoice in the database for each payer charging event the payer device has been involved in. When the payer device is detected leaving the event area, a payment is charged to the payer account for the event invoice.

Abstract: A system, method, and article of manufacture for generating a digital pass is disclosed. The method may comprise retrieving a plurality of identity attributes, and grouping a subset of identity attributes in the plurality of identity attributes to generate at least one digital pass. The method may further comprise grouping a subset of static identity attributes and a subset of dynamic identity attributes to generate a digital pass.

Abstract: A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by providing consistent interfaces that are suitable for use across industries, across businesses, and across different departments within a business during a business transaction. In some operations, software creates, updates, or otherwise processes information related to a foreign trade product classification business object and a supplier invoice business object.

Abstract: A billing management system includes an image forming device that forms an image, a reading device that reads identification information from an information recording medium that stores the identification information identifying a user of the image forming device, a billing condition management device that manages, in an associated state, the identification information and a billing condition, and a billing information transmitting unit that references the identification information and the billing condition, managed by the billing condition management device, and transmits billing information in accordance with the billing condition corresponding to the identification information read by the reading device.

Abstract: A method and system for integration of corporate action event processing by multiple LOBs in a capital market is disclosed. The method of the present invention enables identification of common and distinct functionalities/behaviors of each of the IB and custodian LOBs dealing with the processing of the corporate action events. Based on the nature of the received event, the analysis is done to determine whether the received event is meant for Investment Bank (IB) LOB or Custodian LOB. As a result of the determination, the details related to the said event processed by either IB LOB or custodian LOB is displayed to the user on a single user interface module configured to display the details of the corporation events handled by both of the LOBs, i.e. IB LOB and Custodian LOB.

Abstract: A method and system for automatic linking of variances captured from plurality of agents or counterparties related to a composite market event from a capital market is disclosed. The method of the present invention enables a creation of golden copy for each of the corporate action event. Based on the matching criteria for each of the corporate action event with the multiple variable data received from the agent/counterparties, the agent variable data is attached to the golden copy created for each event using straight-through processing (STP). As a result of the STP linkage of agent variable events with the golden copy of the event, the agent/counterparty variable information and market composite information for the event is displayed on the single screen to the user.

Abstract: An allocation of funds to multiple accounts is determined. Information about financial transactions is received from multiple sources, and the information is aggregated to determine a total amount of allocatable funds. The allocatable funds include posted interest either before or after a term deposit payment date. Respective deposit rules are determined for each of the multiple accounts. The multiple accounts include sub-accounts at the same bank, and the deposit rules include a limit based on FDIC insurance. The allocation of the allocatable funds to the multiple accounts is determined based on a priority hierarchy set to the multiple accounts. Funds are allocated such that each account or sub-account in the priority hierarchy is filled to its respective limit according to the respective deposit rules until the total amount of allocatable funds is allocated.

Abstract: A method is used in a system that includes a financial service provider coordinating accounts issued by an issuer to cardholders requesting credit from merchants. Each merchant has an acquirer with whom the financial service provider also coordinates the accounts. The method can be performed by a merchant or a financial service provider, the merchant sending a transmission to its acquirer including a request for a transaction against one account to which the merchant receives a denial or prior to receiving such a denial. The merchant then requests information from the financial service provider who responds by sending the requested information, upon which the merchant determines whether to extend the credit.

Abstract: A fund transfer information presentation system and method capable of suitably tracking deposit asset trends for a client in order to maintain and strengthen reliable and efficient financing capability which is the source of maximum profit for a bank required for securing management gains for not only the conventional asset-side but also for the liability-side. Transaction histories within a period specified by parameters are subject to name identification by client and chronologically ordered. Thereafter, they are separated into deposits and withdrawals, wherein the deposit and withdrawal transactions are split into ranges wherein individual transaction amounts match and matching transactions are associated one-to-one, and the one-to-one correspondences of the deposit and withdrawal transactions are arranged in order of time of occurrence to generate Fund transfer details between products by client.

Abstract: A device including a processor which automatically allocates and transfers funds in a sweep account between a primary on-balance demand account and one or more off-balance accounts in a manner which assists the bank in maintaining an optimal liquidity profile and capital structure. The device is adapted to prepare and analyze current data pertaining to the liquidity profile and capital structure of a bank and compare this data to predetermined reference values stored in data storage means of the device. The device has an allocation unit which utilizes an algorithm in order to allocate an amount of funds to transfer between an on-balance account and one or more off-balance accounts which will provide an optimal liquidity profile and capital structure for the bank.

Abstract: The invention is directed to systems and methods for indicating volatility adjusted price information for at least one article of commerce or market therefore, and various tools for providing valuation indicators for both current and historical price activity in terms of valuation rather than absolute price. The invention provides users indicators which quantify the degree in which a market is currently trading at fair value, overvalued or undervalued conditions using enhanced tools.

Abstract: The invention is directed to systems and methods for indicating volatility adjusted price information for at least one article of commerce or market therefore, and various tools for providing valuation indicators for both current and historical price activity in terms of valuation rather than absolute price. The invention provides users indicators which quantify the degree in which a market is currently trading at fair value, overvalued or undervalued conditions using enhanced tools.

Abstract: A data distribution system and method are described herein to improve the distribution of market information to subscribing client devices. Market information updates are provided to subscribing devices over a communication link every time a change in the market occurs. If a bandwidth limitation is reached on the communication link, the preferred embodiments switch to a second mode of transmission such that the market information updates are provided only at predetermined intervals. The preferred embodiment monitors the bandwidth consumption to determine what mode of transmission to apply, and in response, it can dynamically change between modes of transmission. By dynamically adjusting the mode of transmission to comport with the current network bandwidth, the preferred embodiments may provide a network friendly, data intensive, and fast response market information feed.

Abstract: Systems and methods for providing a tradable (e.g., exchange-listed) instrument by securitizing foreign currency using a foreign currency trust or other special-purpose vehicle that is established to hold one or more particular foreign currency and to issue foreign currency trust shares and/or receipts corresponding to the value of the foreign currency(s) held by the Trust. The foreign currency trust shares may represent a proportional interest in the Trust and/or the foreign currency held by the trust. The Trust may include one or more Trust accounts to receive and store the foreign currency deposited with the Trust. The Trust can operate to receive an investment amount in a first currency and provide shares or Trust receipts having a value in a second currency. The shares or receipts of the trust can be listed, quoted, and traded on a trading system.

Abstract: An exemplary system according to the present disclosure comprises a server system (comprising one or more computing devices) that is in communication with one or more financial exchange systems and one or more data source computer devices (e.g., news sources). Also in communication with the server system are one or more mobile communication devices. The server system comprises a memory and a processor executing software that enables the server system to receive live market data and information from one or more of the financial exchange systems and the data source computer devices; aggregate and filter the data and information; according to one or more pre-set user preferences and/or one or more user-initiated commands; and transmit the aggregated/filtered data and information to one or more mobile communication devices via one or more live data feeds. The mobile communication device displays aggregated/filtered information in a single, interactive GUI.

Abstract: A computer network and method for electronically trading combinations of derivatives. One preferred method of trading includes providing quotes information to a central server, and determining indicative quotes for combination trades, and providing the non-binding, indicative quotes to market participants (which typically includes subscribers, but may also include market makers). A participant may then submit an e-RFQ, which is a request for a binding quote for the combination of derivatives. Market Makers may then elect to submit a binding quote for the corresponding derivative combination. Market participants may then elect to enter a binding order.

Abstract: A method of using natural language processing (NLP) techniques to extract information from online news feeds and then using the information so extracted to predict changes in stock prices or volatilities. These predictions can be used to make profitable trading strategies. Company names can be recognized and simple templates describing company actions can be automatically filled using parsing or pattern matching on words in or near the sentence containing the company name. These templates can be clustered into groups which are statistically correlated with changes in the stock prices. The system is composed of two parts: message understanding component that automatically fills in simple templates and a statistical correlation component that tests the correlation of these patterns to increases or decreases in the stock price.

Abstract: Effective selection of trade execution strategies using a multi-dimensional model is disclosed. A relationship exists between order difficulty and execution strategy. Execution strategy depends on order difficulty, and order difficulty has many dimensions. The multi-dimensional model classifies trade orders according to the dimensions, and then maps these classified trade orders into suitable execution strategies. For each trade order, one or more appropriate strategies are automatically selected and presented to the trader to assist the trader in making an informed and timely decision.

Abstract: Generating optimal strategies for providing offers to a plurality of customers is described. A plurality of categorical attributes (for example, gender and residential status) and ordinal attributes (for example, risk score and credit line utilization) can be determined. Values of one of more categorical attributes can be changed as per a transition probability table. Some probabilities can be varied to determine a first tradeoff, based on which a first updated strategy can be generated. Further, noise can be added to one or more ordinal attributes. Standard deviation of a noise distribution associated with the noise can be varied so as to determine a second tradeoff, based on which a second updated strategy can be generated. The second updated strategy can be an update of the first updated strategy. Offers can be provided to the plurality of customers in accordance with the second updated strategy.

Abstract: Provided is a credit card usage management system, which allows a credit card to be used to an extent that surpasses a credit limit defined within a fixed period without increasing the credit limit.

Abstract: Customers are provided with item search results that take into account both item specifications submitted by the customer and payment specifications submitted by the customer, where satisfaction of the payment specifications includes identifying finance programs for which the customer is pre-qualified and that are available for given items.

Abstract: Methods and arrangements for facilitating offline delivery of content available in voice applications. User access to a voice application is permitted, and the user is accorded a capability to select content in the voice application for offline delivery. The selected content is stored in a holding arrangement, and the selected content is availed for delivery to the user.

Abstract: In one embodiment, a system includes one or more computing systems that implement a social networking environment and are operable to provide paid profile personalization functions to users. In particular embodiments, the user may select one or more social networking objects to replace advertisements or other elements that are normally displayed to visitors of the user's profile page that are otherwise controlled by the social networking system. In particular embodiments, the user may edit elements on their profile page that are otherwise automatically generated and controlled in design and content by the social networking system. In particular embodiments, the user is billed on a recurring basis for profile personalization.

Abstract: Embodiments of the invention enable an organization to nominate itself to receive proceeds from consumer recycling activity. For example, some embodiments enable an organization to request that an account be established to which proceeds from recycling activity are to be directed. Upon the account being established, the organization may be provided with a set of receptacles (e.g., beverage container collection bags), which the organization may hand out to potential donors. Each receptacle may include an identifier that allows the account to be identified. Donors may collect recyclable beverage containers in his/her receptacle over time, and bring the receptacle to a return center when it becomes full, at a designated time (e.g., to meet a suggested deadline set by the organization), or at any other suitable time. The recyclable containers in the receptacle may be processed, and a value to be provided in exchange for the containers may be determined.

Abstract: A credentials record system that captures personnel background data, such as license information, education and training, work experience, performance data and electronic signature at the time of entry using graphical user interfaces through a network, wherein it permits instant, sophisticated analysis of background data to identify relationships among the data, including archived data and includes the capability to access reference databases for consultation regarding verification of data for accuracy on a continuous basis. The system also provides for an automated auditing process to ensure data integrity and includes the capability to incorporate legacy data, such as paper files and mainframe data, for each personnel record.

Abstract: A cost effective method of preventing disaster induced data loss in digital data storage devices without requiring the use of a data backup service is provided. A fire resistant and water resistant digital data storage device is sold by a manufacturer to a customer wherein the customer pays an upfront payment competitive with the cost of a digital data storage device that is not fire or water resistant. A portion of the purchase price is allocated to monthly payments to be paid by the customer to the manufacturer for a data recovery service if the device is damaged by fire or water; monthly payments for the recovery service being competitive with the cost of a backup service.

Abstract: A system and method for recharging a battery of a mobile device for a fee authorized by a financial account control server can include a battery recharging station having at least one recharging connection for a mobile device. The battery recharging station can be in communication with an electronic data connection for selective activation and deactivation of power supplied to the at least one recharging connection for recharging a battery of a mobile device. A recharging service control server can be operable to remotely control activation and deactivation of power supplied to the at least one recharging connection located at the battery recharging station through the electronic data connection in response to receipt of communication from the financial account control server regarding validation and acceptance of payment by a user of the battery recharging station.

Abstract: A computer implemented method of processing a financial transaction executed by first person includes determining an automatic savings amount from the financial transaction by rounding up the amount of the financial transaction to the nearest dollar. The method further includes debiting the calculated savings amount from an account of the first person and crediting the savings amount to an account of a second person.

Abstract: Systems and methods of monitoring the risk exposure to a financial institution comprising the steps of receiving transaction data associated with an underlying financial transaction involving an account maintained at a financial institution and an originator of the underlying financial transaction; comparing the characteristics of the underlying financial transaction with one or more preset risk profile criteria; determining an updated risk exposure rating responsive to the failure of any one of the characteristics associated with the underlying financial transaction to satisfy any one preset criterion of the one or more preset risk profile criteria; and transmitting a notification responsive to the determination of the updated risk exposure rating.

Abstract: A budget monitoring, alerting and bill payment facilitation system retrieves macro-budgeting information associated with a user, where the macro-budgeting information includes a plurality of budget categories each having an associated budget amount corresponding to a macro time period, divides the budget amount corresponding to the macro time period into a plurality of micro budget amounts corresponding to a plurality of micro time periods, and presents, to the user by a mobile device, micro-budgeting information corresponding to at least one of the plurality of micro budget amounts or its corresponding micro time period. In some embodiments, the system retrieves user data, determines the user may be experiencing a life event based on the user data, where the micro-budgeting information is based on the determination that the user may be experiencing a life event, and confirms that the user is experiencing a life event.

Abstract: A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The PPP is a software application that provides a secure portal for accessing (linking to) either the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a PPP enhanced Wallet to fund their account, shop on the web, pay bills, pay anyone, store electronic receipts and transaction history, and check their recent PPP enhanced Wallet activity. The IPA account is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages.

Abstract: An Internet based bill payment system and method is provided that allows a consumer to push payments and/or information to any payee from the consumer's credit card account. One embodiment of the invention allows the customer to make a payment to any payee from an enterprise credit card or any other credit account of the enterprise, referred to as “Bill Pay advance.” One embodiment of the invention is provided which allows an enterprise's consumer credit card customers to sign up for and use the enterprise's bill pay advance system, whether or not the consumer has a demand deposit account (DDA) account. The invention allows the customer to designate either source of funds for payment and for any payee they choose to pay. One embodiment of the invention offers an interchange push methodology with customer choice of the payment source of funds and intelligent routing.

Abstract: Universal cards are used in place of all the other traditional cards which a person may want to carry. The universal card can include a short range communications transceiver to communicate with a mobile device. The mobile device can include a user interface and an e-wallet application so that the user can interface with the e-wallet application for programming the universal card via the short range communication link. Once programmed, the universal card emulates a function of a traditional card.

Abstract: A self-service terminal comprising: a terminal body defining a transaction fulfillment area, and a terminal head. The terminal head extends from the terminal body and defines a transaction request area transverse to the transaction fulfillment area. The transaction request area and transaction fulfillment area create a customer zone.

Abstract: A method of selecting denominations in an automated teller machine (ATM) may be provided. The method may include receiving a request for withdrawal from a user, displaying, on a touch screen, symbols corresponding to a plurality of denominations including a first denomination and a second denomination that constitute a withdrawal amount of the user, and a number of banknotes of each of the plurality of denominations, in response to the reception of the request, sensing a touch-based movement gesture from the first denomination to the second denomination, updating a number of banknotes of the first denomination and a number of banknotes of the second denomination, in response to the sensing of the touch-based movement gesture, and displaying, on the touch screen, the updated number of banknotes of the first denomination and the updated number of banknotes of the second denomination along with the symbols corresponding to the plurality of denominations.

Abstract: An Internet service provider uses virtual machines dedicated to one (or a few) customers to perform transactions on behalf of those customers, where the transactions require sensitive or confidential user authentication data. Each virtual machine only has access to the user authentication data it needs to perform the transactions for its dedicated customers, not authentication data for all the customers of the service provider. Virtual machines are shut clown when not performing transactions or interacting with customers, thus further reducing the risk of disclosure of the confidential user authentication data.

Abstract: A method and system for consumers to find service providers is presented. The method and system minimizes the amount of the consumer's time required to find a service provider to provide a desired service. The system employs real-time geolocation information available within mobile devices to increase the efficiency of the process. Either automated or manual two-way communication between consumers and service providers for discovery and payment allows for a quick and easy user experience for all parties involved.

Abstract: A global transfers computer system is configured to facilitate global transfers for customers having a plurality of accounts with different entities in different countries. The global transfer may be a foreign exchange (FX) transfer or a non-FX transfer. The global transfers computer system includes a customer database, a user interface, and at least one computer implementing a global customer data computer application, a global transfers computer application, and/or a foreign exchange computer application. Various embodiments are described, including a computer implemented method for performing global transfers using a global transfers computer system.

Abstract: A method of paying a second party is provided. A first party accesses the names of one or more qualified second parties. The second parties (i) have an association with the payment service, and (ii) if they do not have an established association with the payment service have established one prior to payment. The first party has an association with the payment service. A tab is opened by the first party that can be selected by the second party at any geographic location of a first party's mobile device. The second party is only able to charge a first party's financial account when the first party's mobile device is within a defined geographic area. The tab is a relationship between the first party, payment service and second party. The second party can engage in a financial transaction when the first party is within the defined geographic area.

Abstract: A method of paying a second party is provided. A first party accesses the names of one or more qualified second parties. The second parties (i) have an association with the payment service, and (ii) that if they do not have an established association with the payment service have established one prior to payment. The first party has an association with the payment service. A tab is opened by the first party that can be selected by the second party at any geographic location of a first party's mobile device. The second party is only able to charge a first party's financial account when the first party's mobile device is within a defined geographic area. The tab is a relationship between the first party, the payment service and the second party. The second party can engage in a financial transaction when the first party is within the defined geographic area.

Abstract: A secure transaction method involves establishing an electronically accessible verification site authorized by the holder of a credit or debit card, and accessing the verification site by a merchant to determine whether a request for goods or services is authorized. The request for goods or services is based upon the use of the credit or debit card, but the card is not physically presented. The verification site is an electronic mail account which may be established by the merchant, card holder or other authorized person or entity. An authorization message is preferably sent from the site to the merchant in response to the step of accessing the verification site by the merchant. The verification site may also be wirelessly accessible, enabling an authorization message to be delivered through a cellular telephone, personal digital assistant, or other mobile device.

Abstract: Embodiments of the invention are directed to methods, a computer-readable medium, servers and systems for enabling merchants to pass payment tokens, instead of actual payment information, to third party HOPs and SOPs. This, for example, enables a merchant to charge a consumer, such as on a recurring basis or for a one-off purchase, without having the consumer enter payment information each time and without the merchant actually having to handle payment information. As such, merchants can avoid costs and responsibilities associated with handling and storing consumer payment data, while at the same time it also gives merchants the benefit of engaging in purchase transactions with consumers without requiring that the consumers reenter payment data each time they want to make a purchase.

Abstract: A method for capturing data packets sent on a network for evaluating response time performance, the network including a financial institution and a partner bank. The method includes associating a captured data packet sent to the partner bank with a captured data packet received from the partner bank, by comparing at least one coded field of a data portion of the captured data packet sent to the partner bank with at least one coded field of a captured data portion of the data packet received from the partner bank. The method also includes measuring a response time of the associated data packet received from the partner bank, relative to a transmission time of the captured data packet sent to the partner bank.

Abstract: To improve security and simplify financial transactions in electronic communications environments, a cryptographic Private Key is securely stored in a storage device of a user. A Public Key Certificate corresponding to the Private Key is also created and can be stored in an online repository for merchant access. The Public Key Certificate identifies a payment card of the user, and is signed by or on behalf of a financial institution issuing the payment card. When initiating a payment card transaction with a merchant, a data item is signed using the Private Key. The signed data item and the Public Key Certificate are conveyed to the merchant, which enables the merchant to authenticate the transaction without needing to communicate with the user's financial institution, and while avoiding the inconvenience and privacy issues associated with obtaining other card details and user details.

Abstract: An ad-hoc cash-dispensing network that allows users to efficiently exchange cash is provided. The ad-hoc cash-dispensing network includes a cash-dispensing server, a network, and a plurality of client terminals that connect to the cash-dispending server through the network. The user of a client terminal sends a request for cash to the cash-dispensing server. The request for cash includes the location of the client terminal. Based on this location, the cash-dispensing server locates one or more other users that are close/proximate to the requesting user and verifies that at least one of these proximate users is willing and able to provide the requested amount of cash. Following the transfer of cash between the parties, the requesting user's account is charged for the service while the providing user's account is credited for the service.

Abstract: A product source site, a VAR site and a customer site are connected to a communications network. A mobile communications device is sold by a VAR to the customer, and the VAR notifies the customer of a product origination code (POC) that is unique to the product source and to each VAR that sells products to the customer. The customer uses the POC to activate a software client that can be used to both control a product unit and to register the product unit with the remote product monitoring and management service. The remote product monitoring and management service can be configured to create a data base record that corresponds to the POC that can be used to store product operational information that is gather from the customers product by the remote product monitoring and management service.

Abstract: Information contained in the building/property reports and assessments are long, terminology is difficult to understand and content is hard to access or manipulate. Traditional approaches to building inspection and assessment of value are insufficient and do not encompass all factors now relevant. These additional factors include measurements, testing and inspection of a building's energy efficiency and environmental health/safety as it relates to inhabitants of the property. This new information, plus the traditional inspection information and appraisal data will provide a complete valuation of a home or building and its overall impact on inhabitants. All data can be collected, assigned numerical values, and a weighted scoring system can be developed that is accurate, understandable and accessible. The information, scores and indexes can be stored, managed, presented and shared in a fast, unique and relevant manner for stakeholders to see and use to benefit themselves and the marketplace.

Abstract: A method and apparatus for monitoring compliance with jurisdictional regulations. In one aspect, the invention relates to a system for monitoring compliance with jurisdictional regulations. In one embodiment, the system includes a server including a reporting program; a database in communication with the server; and a client device in communication with the server and comprising an input device. In another aspect, the invention relates to a method of monitoring compliance with jurisdictional regulations. In one embodiment, the method includes the steps of: inspecting a location for compliance; entering inspection compliance information using a client input device in communication with a server, the server comprising a database and a reporting program and the database comprising reporting data and location data; executing on the server the reporting program; and automatically communicating compliance reports to a jurisdictional authority in response to reporting data and location data in the database.

Abstract: A method and system for automatically identifying optimal meeting locations. The method includes receiving a plurality of meeting parameters associated with one or more participants. The method also includes identifying a list of optimal meeting locations relevant to one or more of the plurality of meeting parameters. The method further includes ranking the list of optimal meeting locations. Further, the method includes enabling a user to select an optimal meeting location from the list of optimal meeting locations. The system includes one or more electronic devices and a user electronic device. The user electronic device includes a communication interface, a memory, and a processor.

Abstract: A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by providing consistent interfaces that are suitable for use across industries, across businesses, and across different departments within a business during a business transaction. In some operations, software creates, updates, or otherwise processes information related to an employee master data replication request and/or an organisational centre replication request business object.