Abstract: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.

Abstract: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.

Abstract: A method for providing market color to enrich information relating to trading data for eligible securitized products under the Trade Reporting and Compliance Engine (TRACE) platform administered by the Financial Industry Regulatory Authority (FINRA) is provided. The method includes: receiving, from the TRACE platform, first information that relates to a trade that has been executed on a market; retrieving, from a second source such as an internal data repository that is proprietary to a financial institution, second information that relates to the trade and/or a participant in the trade; generating a report that includes the first information and the second information; and transmitting the report to a predetermined recipient. Additional information may be obtained via a Securitized Products Dissemination Service (SPDS) platform and/or by using a matching algorithm within TRACE.

Abstract: A clearing delay estimate may be employed that provides issuers with an accurate estimate for when a transaction will be cleared, thus providing more transparency to issuers to more efficiently manage funds. An algorithm may be employed to estimate clearance timing information and insert the timing information into communications with the issuer or other parties to a transaction involving a payment device. The estimated clearance timing information may be determined based on machine learning and other artificial intelligence techniques using historical data related to clearance timing for the particular entities involved in each transaction.

Abstract: A system and method for redirecting a financial transaction from one account held by a customer at a first issuer to a second account held by the customer at a second issuer comprising receiving a customer request for redirection, identifying the second account to which transactions should be redirected, providing redirection information to a transaction entity, receiving terms for a financial transaction, and performing the financial transaction with respect to the second account.

Abstract: In one embodiment, techniques include systems and methods for facilitating context-aware peer-to-peer transfers of items utilizing at least one of short-range wireless technologies embodied by user devices or device-accessible contact lists. After receiving a request to transfer an item, a server can cause a device of a first peer user to detect devices of second peer users in the proximity of the device of the first peer user using short-range wireless technology. Based at least in part on the detected nearby devices or a contact list of the first peer user stored by the device of the first peer user, a second peer user to receive the item is determined. Upon receiving confirmation of authorization to transfer the item, requested and provided via an electronic message between the respective devices and the server, the item is disassociated from the first peer user and associated with the second peer user.

Abstract: A clearing delay estimate may be employed that provides issuers with an accurate estimate for when a transaction will be cleared, thus providing more transparency to issuers to more efficiently manage funds. An algorithm may be employed to estimate clearance timing information and insert the timing information into communications with the issuer or other parties to a transaction involving a payment device. The estimated clearance timing information may be determined based on machine learning and other artificial intelligence techniques using historical data related to clearance timing for the particular entities involved in each transaction.

Abstract: A protective cover for a portable electronic device includes a main body and a plurality of cushioning structures. The main body is configured to receive the portable electronic device. Each cushioning structure includes an elastic body protruding from the main body and a clearance defined between the main body and the elastic body. The elastic body is deformed toward the clearance when the elastic body is impacted.

Abstract: A non-internet accessible, lightweight, compact expenditure recording electronic device comprising a housing having a front face and an opposing rear face, a processor located within the housing for processing data associated with a single financial account, a memory for storing data associated with the single financial account with the memory in electronic communication with the processor, a screen attached to the housing at the front face with the screen coupled to be operable by the processor to display data of the single financial account to a user of the device, a plurality of input keys disposed on the front face of the housing for inputting data to the memory and track changes to the data for the single financial account, and a communication port disposed on the housing and configured to connect to the memory.

Abstract: A consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet. The system includes a notification manager that detects when the electronic bill arrives and notifies the consumer. The bill is stored in memory with other unpaid electronic bills. According to another aspect of the invention, the system has a cashflow analyzer that enables the consumer to coordinate the unpaid electronic bills according to different payment schedules for a bill payment cycle (e.g., a month). The goal of the manipulation is to permit the consumer to analyze how the different payment schedules affect the consumer's cashflow with an aim toward minimizing overdraft during the bill payment cycle. The cashflow analyzer can automatically compute an optimized payment schedule that minimizes overdraft of the consumer's account, while maximizing the balance to generate the most interest.

Abstract: A consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet. The system includes a notification manager that detects when the electronic bill arrives and notifies the consumer. The bill is stored in memory with other unpaid electronic bills. According to another aspect of the invention, the system has a cashflow analyzer that enables the consumer to coordinate the unpaid electronic bills according to different payment schedules for a bill payment cycle (e.g., a month). The goal of the manipulation is to permit the consumer to analyze how the different payment schedules affect the consumer's cashflow with an aim toward minimizing overdraft during the bill payment cycle. The cashflow analyzer can automatically compute an optimized payment schedule that minimizes overdraft of the consumer's account, while maximizing the balance to generate the most interest.

Abstract: A consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet. The system includes a notification manager that detects when the electronic bill arrives and notifies the consumer. The bill is stored in memory with other unpaid electronic bills. According to another aspect of the invention, the system has a cashflow analyzer that enables the consumer to coordinate the unpaid electronic bills according to different payment schedules for a bill payment cycle (e.g., a month). The goal of the manipulation is to permit the consumer to analyze how the different payment schedules affect the consumer's cashflow with an aim toward minimizing overdraft during the bill payment cycle. The cashflow analyzer can automatically compute an optimized payment schedule that minimizes overdraft of the consumer's account, while maximizing the balance to generate the most interest.

Abstract: An electronic calculating device for conveniently calculating a percentage of a value, as is often performed in a restaurant or bar when calculating a gratuity based on the amount of a bill is provided. The invention is a device having a first side and a second side, with a control mechanism on the first side which the server or diner can use to input a bill amount. A control mechanism is positioned on the second side for causing a processor to calculate a percentage value of the bill amount. Preferably, a display is provided for displaying the percentage value or tip amount, as well as the total of the tip and the amount of the bill.