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This page is updated frequently with new Inanc-related patent applications. Subscribe to the Inanc RSS feed to automatically get the update: related Inanc RSS feeds. RSS updates for this page: Inanc RSS RSS


Led backlight display device and led backlight arrangement method

Nec Display Solutions

Led backlight display device and led backlight arrangement method

Interactive map for grouped activities within a financial and social management system

Bank Of America

Interactive map for grouped activities within a financial and social management system

Interactive map for grouped activities within a financial and social management system

Bank Of America

Financial and social management system

Date/App# patent app List of recent Inanc-related patents
03/26/15
20150088915
 Activity list filters for a financial and social management system patent thumbnailnew patent Activity list filters for a financial and social management system
Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, contact lists, calendars, and the like, and associates the activity information and images with the activities.
Bank Of America Corporation
03/26/15
20150088783
 System and  modeling and quantifying regulatory capital, key risk indicators, probability of default, exposure at default, loss given default, liquidity ratios, and value at risk, within the areas of asset liability management, credit risk, market risk, operational risk, and liquidity risk for banks patent thumbnailnew patent System and modeling and quantifying regulatory capital, key risk indicators, probability of default, exposure at default, loss given default, liquidity ratios, and value at risk, within the areas of asset liability management, credit risk, market risk, operational risk, and liquidity risk for banks
The present invention is in the field of modeling and quantifying regulatory capital, key risk indicators, probability of default, exposure at default, loss given default, liquidity ratios, and value at risk, using quantitative models, monte carlo risk simulations, credit models, and business statistics, and relates to the modeling and analysis of asset liability management, credit risk, market risk, operational risk, and liquidity risk for banks or financial institutions, allowing these firms to properly identify, assess, quantify, value, diversify, hedge, and generate periodic regulatory reports for supervisory authorities and central banks on their credit, market, and operational risk areas.. .
03/26/15
20150088771
 Financial and social management system patent thumbnailnew patent Financial and social management system
Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities.
Bank Of America Corporation
03/26/15
20150088757
 One-touch payment using haptic control via a messaging and calling multimedia system on mobile device and wearable device, currency token interface, point of sale device, and electronic payment card patent thumbnailnew patent One-touch payment using haptic control via a messaging and calling multimedia system on mobile device and wearable device, currency token interface, point of sale device, and electronic payment card
Provided are computer implemented methods and systems for messaging, calling, and one-touch payments via mobile and wearable devices. An exemplary system comprises a processor and a database in communication with the processor.
03/26/15
20150088750
 Method, apparatus, and system for performing online transactions with biometric authentication patent thumbnailnew patent Method, apparatus, and system for performing online transactions with biometric authentication
An apparatus, system and method for conducting financial and other transactions using a wireless device are provided. A computing device includes a display screen, a user input interface, and one or more processors.
03/26/15
20150088747
 Systems and methods for mobile payments patent thumbnailnew patent Systems and methods for mobile payments
Systems and methods are provided for mobile payments. A financial institution may offer an electronic prepaid card of a merchant for sale to holders of demand deposit accounts (dda) and/or line of credit account and/or loan account.
Mshift, Inc.
03/26/15
20150088746
 Method and system for implementing financial transactions patent thumbnailnew patent Method and system for implementing financial transactions
A method for implementing a financial transaction via a user device is disclosed. The method involves receiving financial transaction information used to generate an alphanumeric secure transaction code that binds the received information to the financial transaction, receiving information from a user device that includes the secure transaction code and a voice entry of the secure transaction code, verifying that the voice entry of the secure transaction code corresponds to a voice authentication master (vam) file of a registered user, verifying that the received secure transaction code is a valid secure transaction code and, if both are verified authorizing the financial transaction and sending an indication that the financial transaction has been authorized to the user device.
Saypay Technologies, Inc.
03/26/15
20150088740
 System and  managing financial transactions based on electronic check data patent thumbnailnew patent System and managing financial transactions based on electronic check data
A system and method of transmitting a check-type payment between a payor and a payee using a third-party service includes registering a payor, receiving a check-type payment request from the payor by the third-party service, generating a unique identifier for the check-type payment request and associating payment information with the unique identifier, transmitting a payment notice to the payee, receiving a deposit request to a deposit account from the payee by the third-party, generating a depositable item responsive to the deposit request, and depositing the depositable item into the deposit account by the third-party service.. .
Verify Valid, Llc
03/26/15
20150088733
 System and  ensuring safety of online transactions patent thumbnailnew patent System and ensuring safety of online transactions
Online transaction security is improved by detecting a start of an online financial transaction between a user-controlled online transaction application and a remote payment service. A protected data input module, a protected environment module, and a safe data transfer module each provides a corresponding set of protection operations.
Kaspersky Lab Zao
03/26/15
20150088732
 Integrated electronic disbursement and cash flow management system and method patent thumbnailnew patent Integrated electronic disbursement and cash flow management system and method
A system and method are provided for managing electronic disbursements transferred from a business client of a financial institution to customers of the business client. The system includes a disbursement instruction processor receiving a disbursement instruction over a network from a business client system, the disbursement instruction processor processing the instruction and performing multiple steps.
Jpmorgan Chase Bank, N.a.
03/26/15
20150088729
new patent

Online property reservation service provider for reserving properties for lease


Provided are a computer program product, system, and method for an online property reservation service provider to reserve properties for lease. A computer implemented property reservation service database stores information on rental properties, a hold amount, a cancellation period and an authorization hold period defined for an authorization hold, wherein the authorization hold period is greater than the cancellation period and runs following the cancellation period.
Domuso Inc.
03/26/15
20150088728
new patent

Method and system for management of loans


A computerized information management system involving a client-server architecture. A memory comprises instructions for: storing information on each of several loans, wherein each loan is issued by a financial institution and received by a business actor, wherein the information on each loan comprises support provided to the financial institution and one or more obligations imposed on the financial institution, wherein the one or more obligations are imposed in exchange for the provided support; and retrieving some or all of the stored information in response to one or more requests from a client; and for using the retrieved information to check compliance with the imposed obligations.
03/26/15
20150088723
new patent

Secure exchange feed market data embargo


Methods, devices, and systems for communicating market data with market participants may involve obfuscating at least a portion of financial messages. Communicating the market data also involves augmenting a financial message with a key configured to remove the obfuscation from the obfuscated portion of the financial messages.
Chicago Mercantile Exchange Inc.
03/26/15
20150088720
new patent

Secure exchange feed market data embargo


Methods, devices, and systems for communicating market data with market participants involve obfuscating at least a portion of a first financial message. Communicating the market data also involves augmenting a second financial message with a key configured to remove the obfuscation from the obfuscated portion of the first financial message.
Chicago Mercantile Exchange Inc.
03/26/15
20150088719
new patent

Method for predicting financial market variability


A system that is able to predict, model and monitor time lines of chaotic non-linier data or events such as commodity, stock and financial market performance indicators.. .
University Of Windsor
03/26/15
20150088718
new patent

Past packages for a financial and social management system


Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, calendars, contact lists, location determination devices, and the like, and associates the activity information and images with the activities.
Bank Of America Corporation
03/26/15
20150088717
new patent

Linking users and transactions through activity information in a financial and social management system


Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, contact lists, calendars, and the like, and associates the activity information and images with the activities.
Bank Of America Corporation
03/26/15
20150088716
new patent

Activity history for a financial and social management system


Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities.
Bank Of America Corporation
03/26/15
20150088715
new patent

Activity review for a financial and social management system


Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities.
Bank Of America Corporation
03/26/15
20150088714
new patent

Activity list linked with receipts for a financial and social management system


Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities.
Bank Of America Corporation
03/26/15
20150088713
new patent

Activity list tagged with activity information for a financial and social management system


Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, contact lists, calendars, and the like, and associates the activity information and images with the activities.
Bank Of America Corporation
03/26/15
20150088712
new patent

Activity list enhanced with images for a financial and social management system


Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, contact lists, stored database images, images over the internet, and the like, and associates the activity information and images with the activities.
Bank Of America Corporation
03/26/15
20150088707
new patent

Systems and methods of access control and system integration


Automated provisioning, according to one example embodiment, enables a mutual customer to establish an intelligent and automated connection between an accounting software system and their financial institution. For example, this might be achieved by allowing a financial institution customer to make feeds from their bank accounts available to the accounting software system within financial internet software (e.g., hosted and operated by the customer's financial institution).
03/26/15
20150088705
new patent

Grouped packages for a financial and social management system


Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, calendars, contact lists, location determination devices, and the like, and associates the activity information and images with the activities of one or more users.
Bank Of America Corporation
03/26/15
20150088704
new patent

Interactive map for grouped activities within a financial and social management system


Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities.
Bank Of America Corporation
03/26/15
20150088680
new patent

Methods and systems for operating a marketplace for software products


Methods and systems for operating a marketplace. A first price for one or more financial options associated with one or more software products is determined based on a pre-determined set of factors.
Xerox Coporation
03/26/15
20150088679
new patent

Proposed packages for a financial and social management system


Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, calendars, contact lists, location determination devices, and the like, and associates the activity information and images with the activities.
Bank Of America Corporation
03/26/15
20150088674
new patent

Systems and methods for incorporating qr codes


Systems and methods for facilitating payment transactions using quick-response (qr) codes are provided. A first machine readable code encoding first data generated by an access device is scanned by a communication device.
03/26/15
20150088650
new patent

System and purchasing by social network status update or post


A system and method facilitating online purchases within social network environments comprises posting or re-posting a string of characters affiliated with a product on a social network newsfeed, page, or as a status update. The system includes a search engine monitoring posts for the string of characters indicating intention to purchase and a payment processing component.
03/26/15
20150088628
new patent

Rating system, process and algorithmic based medium for treatment of medical conditions in cost effective fashion utilizing best treatment protocols and financial assessment tools for determining a maximum cutoff point for assessing healthcare return on investment and to provide for improved clinical/functional outcomes


The present invention discloses a system, method and non-transitory software based computer writeable medium usable with a processor driven device for incentivizing service providers. A first subroutine assembles a best practices model in the form of a database downloadable to the processor device and which presents series of treatment options ranging from desirable to undesirable associated with a given type of service.
03/26/15
20150088591
new patent

Method and system for identifying and visualizing work transfers using financial data


Disclosed are methods and systems for identifying and visualizing the patterns of work transfers for service delivery using financial data. Within a service firm, work is often transferred from one delivery center to another, which results in additional costs and delays in service delivery.
International Business Machines Corporation
03/26/15
20150088583
new patent

Sustainability campus of co-located facilities


A system and method for energy use is provided that includes a sustainability campus or district of co-located facilities, with associated facilities such as an energy development center, a source, and a processing or collection facility. The sustainability campus or district incorporates design principles and processes to decrease environmental impact per unit energy usage, increase waste reuse within the sustainability campus or district, and increase the receipt of financial credits..
Enginuity Worldwide, Llc
03/26/15
20150088582
new patent

Sustainability campus of co-located facilities


A system and method for energy use is provided that includes a sustainability campus of co-located facilities, with associated facilities such as an energy development center, a source, and a processing or collection facility. The sustainability campus incorporates design principles and processes to decrease environmental impact per unit energy usage, increase waste reuse within the sustainability campus, and increase the receipt of financial credits..
Enginuity Worldwide, Llc
03/26/15
20150088574
new patent

Reminders and action items for personal interactions


Automatically generating people reminders for a user of a mobile device includes obtaining information for each of the people reminders, the information indicating a specific event with at least one other person, detecting proximity of the at least one other person, and, in response to the other person being proximal to the user, providing the user with a notification. In response to the at least one other person being proximal to the user, the user may also be provided with an action item.
Evernote Corporation
03/26/15
20150088541
new patent

System and using personalized outcome probabilities to support the consumer in comparing costs and efficacy of medical treatments and matching medical provider with consumer


Provided herein are methods and systems for implementation and delivery of cost comparisons for medical treatment plans. Included are methods and systems of delivering cost comparison to consumers on a plurality of medical treatments offered by the same medical provider or a plurality of medical treatments offered by a plurality of medical providers with or without analyzing the impact of insurance coverage, payment by cash, credit card, loans, and loan and repayment terms.
Univfy Inc.
03/26/15
20150088537
new patent

System and healthcare stop-loss or reinsurance assessment and planning


A system and method for healthcare stop-loss or reinsurance assessment and planning comprising receiving input data, the input data comprising diagnosis data related to a medical condition; identifying data in a healthcare diagnosis/financial database (hdfd) based on, at least in part, the input data, the identified data comprising treatment data including a list of one or more treatments associated with the diagnosis data and expected treatment costs associated with each treatment of the list of one or more treatments, and procedure data comprising a list of one or more procedures associated with the diagnosis data and expected procedure costs associated with each treatment of the list of one or more treatments, generate output data based on, at least in part, the identified data; and transmitting the output data to a user.. .
Advanced Medical Strategies, Llc
03/26/15
20150087408
new patent

Electronic voucher ticket system


A clearinghouse system for use is transferring a value of a first voucher ticket issued by and associated with a first gaming facility to a second voucher ticket associated with a second gaming facility. The voucher ticket can be provided on paper or in electronic or digital format.
Jcm American Corporation
03/26/15
20150087402
new patent

System and performing a financial transaction within a casino


A method of performing a financial transaction by a casino customer located at a casino gaming station. The method includes providing a portable, remote control unit (rcu) to the customer at the gaming station.
Global Cash Access, Inc.
03/26/15
20150087259
new patent

Person and property protection system and method


A person and property protection system has a portable handheld transmitter, a control center comprising a receiving unit for receiving the emergency call signal from the handheld transmitter with a localization unit designed to determine a location of the handheld transmitter and a communication unit which is designed to inform an emergency service. A signal transmitted to the emergency service comprises details of the handheld transmitter and its location.
Ultravex Trading Llc
03/26/15
20150086125
new patent

Adaptive weighted-local-difference order statistics filters


A novel modification to the order statistics filters called the adaptive weighted-local-difference order statistics is shown that will act as a generic framework for the design of adaptive filters suitable for specific signal processing applications. To demonstrate the design of filters using this framework two implementations were defined and evaluated: edge orientation adaptive weighted-local-difference median filter (eoawldmf) and luminance-similarity adaptive weighted-local-difference median filter (lsawldmf) for restoration of noisy images..
Texas Instruments Incorporated
03/26/15
20150085924
new patent

Quantization for different color sampling schemes


A video coding or decoding method operable to generate blocks of quantized spatial frequency data by quantizing the video data according to a selected quantization step size and a matrix of data modifying the quantization step size for use at different respective block positions within an ordered block of samples, the method being operable with respect to at least two different chrominance subsampling formats, and includes for at least one of the chrominance subsampling formats, defining one or more quantization matrices as one or more predetermined modifications with respect to one or more reference quantization matrices defined for a reference one of the chrominance subsampling formats.. .
Sony Corporation
03/26/15
20150085473
new patent

Led backlight display device and led backlight arrangement method


An led backlight display device has a display panel body having a substantially rectangular shape which includes longer sides and shorter sides as edge portions; and a backlight arranged in a manner such that led light emitting elements are aligned along the edge portions of the display panel body. The backlight is arranged at any one of the longer sides and the shorter sides of the display panel body; and a front sensor that measures luminance and chromaticity of the backlight is arranged at one side among the longer sides and the shorter sides of the display panel body where the backlight is not arranged at the one side..
Nec Display Solutions, Ltd.
03/26/15
20150085322
new patent

Image forming apparatus that prints out multi-gradation monochrome image maintaining gradation reproducibility, and image forming method


The image forming apparatus includes an input luminance range recognition unit, an output luminance range recognition unit, and a luminance range expansion unit. The input luminance range recognition acquires input luminance information from multi-gradation monochrome image data, generates a luminance histogram, and determines, based on a minimum luminance value and a maximum luminance value of the luminance histogram, an input luminance range.
Kyocera Document Solutions Inc.
03/26/15
20150085321
new patent

Image forming apparatus reproducing gradation based on hue instead of luminance, and image forming method


An image forming apparatus includes a luminance information acquiring unit, a hue information substituting unit, and a color conversion unit. The luminance information acquiring unit is configured to acquire input luminance information of inputted multi-gradation monochromatic image data.
Kyocera Document Solutions Inc.
03/26/15
20150085090
new patent

Three-dimensional display device and three-dimensional display method thereof


The present invention provides a 3d display device and 3d display method thereof. The method includes the steps of: providing a first signal to the display panel sequentially for providing left-eye image and right-eye image sequentially, and providing a second signal at the time of switching the left-eye image and the right-eye image for inserting a black image, wherein the different 3d display quality being obtained through adjusting the insertion time of the black image.
Shenzhen China Star Optoelectronics Technology Co. Ltd.
03/26/15
20150084842
new patent

Pixel circuit, driving the same, and display device


The present disclosure relates to the art of display manufacture. There are provided a pixel circuit, a driving method for the same and a display device.
Boe Technology Group Co.,ltd.
03/19/15
20150082160

Method and 3d display and analysis of disparate data


The system provides a method and apparatus for sorting and displaying collections of communications. These communications can be a single type or multiple types of data and may come from email systems, bulletin boards, text messages, facebook and twitter postings and comments, financial transactions, travel itineraries or any other type of communications.
Bitvore Corporation
03/19/15
20150082028

Securing digital content system and method


A system and method of encrypting digital content in a digital container and securely locking the encrypted content to a particular user and/or computer or other computing device is provided. The system uses a token-based authentication and authorization procedure and involves the use of an authentication/authorization server.
Digital Reg Of Texas, Llc
03/19/15
20150081591

System and collateral data aggregation and optimization


A system for managing collateral of a client of a financial services provider includes one or more processors configured to execute one or more computer program modules, configured to aggregate collateral data from a plurality of financial subsystems of the financial services provider as aggregated collateral data, the aggregated collateral data being associated with collateral across the plurality of financial subsystems. The program modules are also configured to calculate a cost associated with each of the collateral, across each of a plurality of categories described in the aggregated collateral data, calculate an optimized cost based on a proposed reallocation of the collateral, the optimized cost being associated with a utilized amount of reallocated collateral, and transmit, for viewing on an electronic display communicatively linked with the one or more processors, the optimized cost based on the proposed reallocation.
The Bank Of New York Mellon
03/19/15
20150081566

Direct digital cash system and method


Methods and systems are provided for the exchange of digital cash employing protocols for various entities to separately certify the validity of the parties, values and transactions while maintaining the anonymity of the buyer or user of the digital cash. Encrypted connections are established allowing various parties to enter into transactions to buy, sell, exchange and recover digital cash using a secure method that protects the personal information and identity of the user.
03/19/15
20150081559

Near-field communication (nfc) method, apparatus, and system with biometric authentication


An apparatus, system and methodology for conducting financial and other transactions using a wireless computing device are provided. The wireless device includes a display screen, a user input interface, one or more processors, and at least one memory device.
03/19/15
20150081553

Electronic funds transfer consumer authorization verification system


An electronic funds transfer consumer authorization verification system for efficiently proving that a consumer authorized a financial transaction via an ach network. The electronic funds transfer consumer authorization verification system generally includes accepting by a business an authorization from a consumer to debit and/or credit the consumer's financial account in a specified amount via an ach network, communicating the ach detailed record for the ach transaction along with a transaction data file from the business to a third-party payment processor, and communicating to the business a transaction key associated with both the ach detailed record and the transaction data file.
Bc Investments & Leasing, Inc.
03/19/15
20150081552

System for verifying an identity of a card holder


A system for verifying an identity of a card holder. The system is designed for obtaining a geographically remote biometric scan of a card holder's fingerprint, and optionally for obtaining other actions from the card holder, as one or more condition(s) for completing performance of a transaction, or for verification of a performance of a transaction, in association with the card.
Sonavation, Inc.
03/19/15
20150081548

Methods and systems for making mobile payments


Systems and methods for mobile payments are provided. A customer may interact with the system via a voice interface.
Mdr Group Llc
03/19/15
20150081540

Mobile wallet payment vehicle preferences


In general, apparatuses, methods and computer program products for making contactless financial transactions utilizing a mobile wallet are disclosed. Particularly, a mobile wallet application is disclosed that utilizes, at least in part, user specific data to generate a payment vehicle recommendation for different transactions.
Bank Of America Corporation
03/19/15
20150081534

Completion of online payment forms and recurring payments by a payment provider systems and methods


There is provided systems and methods for automatic completion of online payment forms and recurring payments. The methods include determining if a user is engaged in a financial transaction, requesting permission to use a payment provider to complete the financial transaction, and completing the financial transaction using the payment provider if permission is granted, wherein the payment provider provides user information to complete the financial transaction.
03/19/15
20150081531

Providing financial transaction data to a user


The disclosure extends to computer-implemented personal financial management tools, methods and systems for providing financial transaction data to a user in the form of transaction images, such as check images, deposit images, receipt images, and other transaction related images, which may be incorporated into the personal financial management tool. The disclosure also extends to computer-implemented personal financial management tools, methods and systems for receiving core data, which may include transaction data, from a financial or banking institution and processing the data by cleansing the data, automatically categorizing the data, classifying the data, and then sending that processed data back to the financial or banking institution.
Moneydesktop, Inc.
03/19/15
20150081520

Analytics-driven product recommendation for financial services


An aspect of product recommendation processes includes classifying customers into groups based on commonly shared, predefined characteristics and common financial transaction activities conducted. For each service offered, the product recommendation processes include estimating a cost of recommendation of the service; and estimating, for each of the customers in a group, a transaction risk of providing the service.
International Business Machines Corporation
03/19/15
20150081519

Dynamic pricing for financial products


An aspect of product pricing includes classifying customers into groups based on shared, predefined characteristics and financial transactions, and identifying services rendered and available but not rendered. For each customer, a risk associated with a service is estimated; availability and prices of the service by third parties are determined; a price for the service set by the entity is compared with the prices set by the third parties; and a demand for the service of the entity is estimated as a function of the availability and prices of the service by the third parties.
International Business Machines Corporation
03/19/15
20150081512

Random-time auctions in an electronic trading system


A system is configured to hold price improvement auctions for customer orders for a duration that is based on a random timer. The system receives an initiating order from an auction guarantor that describes the financial instrument that a customer wishes to trade.
Nyse Group, Inc.
03/19/15
20150081504

Detection of abusive behavior in electronic markets


A method for identifying potential abusive behavior in an electronic market includes: (a) determining whether an individual order book associated with a trader comprises an imbalance in relation to a financial instrument for which the trader submitted an order; (b) determining whether an imbalance identified in the individual order book changed after fulfillment of the order; and (c) identifying the order as potential abusive behavior if the individual order book comprises an imbalance that changed after fulfillment of the order. Systems for identifying potential abusive behavior in an electronic market are described..
Chicago Mercantile Exchange Inc.
03/19/15
20150081503

Pricing range-based financial instruments


A method for computing a settlement price of a financial instrument includes: (a) sampling a plurality of high-low range in a market over a period of time; (b) calculating an average of the plurality of high-low range obtained by the sampling; and (c) computing the settlement price of the financial instrument based on the average of the plurality of high-low ranges obtained by the calculating. Systems for computing a settlement price of a financial instrument are described.
Chicago Mercantile Exchange Inc.
03/19/15
20150081499

Providing financial transaction data to a user


The disclosure extends to computer-implemented personal financial management tools, methods and systems for providing financial transaction data to a user in the form of transaction images, such as check images, deposit images, receipt images, and other transaction related images, which may be incorporated into the personal financial management tool. The disclosure also extends to computer-implemented personal financial management tools, methods and systems for receiving core data, which may include transaction data, from a financial or banking institution and processing the data by cleansing the data, automatically categorizing the data, classifying the data, and then sending that processed data back to the financial or banking institution.
Moneydesktop, Inc.
03/19/15
20150081498

Creating an intuitive visual plan for achieving financial goals


The disclosure extends to methods, systems, and computer program products for producing financial goal planning having two dimensional and three dimensional graphical representations for financial goals.. .
Moneydesktop, Inc.
03/19/15
20150081496

System and an integrated financial management tool


A system and method for integrating and facilitating customer experience provides a user a one-stop location for acquisition of products and services, servicing of products and services, transaction processing, and internal and external financial account management. Once a user registers an individual customer during an activation session, which may include entry of that customer's internal or external account information, the system manages multiple accounts for the customer in accordance with system and user defined rules providing a means to acquire and service products and services, as well as to receive disbursements to external accounts from the system.
State Farm Mutual Automobile Insurance Company
03/19/15
20150081493

Self-service guaranteed financial instruments


A request for a financial instrument guaranteed by a financial institution may be received from a user device. A record may be created for the request, and the record may be stored in a database comprising a plurality of records for requests for financial instruments guaranteed by the financial institution.
Bank Of America Corporation
03/19/15
20150081491

Intraday cash flow optimization


Embodiments relate to intraday cash flow optimization. Transactions are accessed on a business-to-business integration network from a plurality of sources linked with payment delivery system data from a financial service system.
International Business Machines Corporation
03/19/15
20150081483

Intraday cash flow optimization


Embodiments relate to intraday cash flow optimization. Transactions are accessed on a business-to-business integration network from a plurality of sources linked with payment delivery system data from a financial service system.
International Business Machines Corporation
03/19/15
20150081482

Analytics-driven automated reconciliation of financial transactions


Embodiments relate to analytics-driven automated reconciliation of financial transactions. External information is correlated with a plurality of financial transaction reconciliation exceptions associated with a sequence of financial transactions over a period of time.
International Business Machines Corporation
03/19/15
20150081481

Analytics-driven automated reconciliation of financial transactions


Embodiments relate to analytics-driven automated reconciliation of financial transactions. External information is correlated with a plurality of financial transaction reconciliation exceptions associated with a sequence of financial transactions over a period of time.
International Business Machines Corporation
03/19/15
20150081411

Enhanced automatic savings program


A computer implemented system and method are disclosed of processing a financial transaction that includes determining an automatic savings amount and rewards amount payments. The system may comprises a checking account, a savings account, an account of a merchant, and one or more computer systems including a communication interface, processor, and memory storing computer-executable instructions.
Bank Of America Corporation
03/19/15
20150081405

Financial health assessment and incentive system for financially responsible behaviors


Embodiments of the invention provide financial health assessment and incentive systems for financially responsible behaviors. The methods, apparatus and computer program products provide for receiving a financial behavior set associated with a customer, identifying a difference between the financial behavior set associated with the customer and a second financial behavior set, and providing to the customer an incentive to make an alteration to a financial behavior.
Bank Of America Corporation
03/19/15
20150081402

Corporate and entertainment management interactive system using a computer network


A system, method, and apparatus is provided for computerized management of a method of corporate, business or sports management by a remote party comprising relating a current database of an entity. For instance, in sports management substantially real time management is possible.
Constitutional Property, Llc
03/19/15
20150081391

Analytics-driven product recommendation for financial services


An aspect of product recommendation processes includes classifying customers into groups based on commonly shared, predefined characteristics and common financial transaction activities conducted. For each service offered, the product recommendation processes include estimating a cost of recommendation of the service; and estimating, for each of the customers in a group, a transaction risk of providing the service.
International Business Machines Corporation
03/19/15
20150081377

Dynamic pricing for financial products


An aspect of product pricing includes classifying customers into groups based on shared, predefined characteristics and financial transactions, and identifying services rendered and available but not rendered. For each customer, a risk associated with a service is estimated; availability and prices of the service by third parties are determined; a price for the service set by the entity is compared with the prices set by the third parties; and a demand for the service of the entity is estimated as a function of the availability and prices of the service by the third parties.
International Business Machines Corporation
03/19/15
20150081345

Asset collective redirection leverage multiplier platform apparatuses, methods and sysytems


The asset collective redirection leverage multiplier platform apparatuses, methods and systems (“acrlmp”) provide a financial instrument management platform facilitating issuance, transaction, interest payment, and/or analytics of a municipality-based liquidity instrument from municipalities, investors, and sponsors.. .
Darwin & Davinci, Unltd., Llc


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Inanc topics: Transactions, Liquid Crystal Display, Liquid Crystal, Graphical User Interface, User Interface, Credentials, Ultraviolet, Gray Scale, Arithmetic, Coordinates, Image Processing, Electro Luminescence, Ion Source, Image Capture, Subscriber Identity Module

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