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| Number | Title | Issue Date |
| 8190513 | Method of billing a purchase made over a computer network A method of effecting a sale over a computer network in which it is determined whether a user passes fraud control before effecting a sale over a computer network. Information associated with a method of payment, such as credit card information, debit card informati... | 05/29/2012 |
| 8190515 | Calculating credit worthiness using transactional data Aspects of the invention provide for the use of transactional data in determining credit and product offerings. Further aspects of the invention provide for generating financial statements and indices using transactional data for use by users and/or financial instit... | 05/29/2012 |
| 8190511 | Systems, methods and computer program products for offering consumer loans having customized terms for each customer Systems, methods and computer program products take into account the amount, term, and type of consumer loan, as well as data relating to a customer's credit score, debt burden, and collateral, if any. The invention then calculates an expected probability of default... | 05/29/2012 |
| 8190514 | Systems and methods for transaction processing based upon an overdraft scenario Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, ... | 05/29/2012 |
| 8190512 | Computer-implemented clustering systems and methods for action determination Computer-implemented systems and methods for determining one or more actions to be taken with respect to a first entity. A computer-implemented method can be configured to receive data that is related to characteristics of the first entity as well as data that is re... | 05/29/2012 |
| 8190516 | Equity protection Systems and methods are illustrated for providing an equity protection product to a borrower of a loan. Aspects of the equity protection product may be implemented using an equity protection agreement. The equity protection product may be used to safeguard a borrowe... | 05/29/2012 |
| 8180703 | Consumer behaviors at lender level The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their re... | 05/15/2012 |
| 8180702 | Transactional processing entity device support of an integrated offer network A method begins by generate, for each of a plurality of merchant devices, an offer data file to produce a plurality of offer data files. The method continues by compiling, for one of a plurality of issuer devices, an options data file for a group of credit cards bas... | 05/15/2012 |
| 8175964 | Systems and methods for financing renewable energy systems A method for financing renewable energy systems includes offering a home loan to a homeowner in which the interest payable by the homeowner are tax deductible. A lease is also offered to the homeowner for the installation and use of a renewable energy system. A depo... | 05/08/2012 |
| 8175963 | Methods and systems for accepting offers via checks In accordance with one or more embodiments, a method and system are provided for facilitating the processing of at least one check in accordance with an offer which the account holder may accept, in one example, via a check being presented by the account holder as p... | 05/08/2012 |
| 8175961 | Method and system for using payment history for conducting commercial transactions A method is disclosed. The method includes receiving transaction data relating to a plurality of commercial transactions conducted by a plurality of buyers and sellers conducting commercial transactions using a transaction processing system, and then receiving a req... | 05/08/2012 |
| 8175962 | Computerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products Systems, computer program products, and computer-implemented methods apply or otherwise make available new credit or additional credit to demand deposit accounts, prepaid cards, and existing lines of credit of a customer based on expected tax refund amounts. A compu... | 05/08/2012 |
| 8170952 | System and method for providing instant-decision, financial network-based payment cards A system and method for issuance of a financial network-based payment card (generally known as a “payment card” or a “credit card”) almost instantaneously after application, wherein an applicant applies for a credit card by entering data into a data entry sy... | 05/01/2012 |
| 8160957 | Methods and systems for opening and funding a financial account online Methods and systems for opening an account with a financial institution. One method can include electronically storing at least one rule for opening an account with a financial institution. The method can also include electronically receiving account application inf... | 04/17/2012 |
| 8160955 | Method and apparatus for capturing commercial loan application data and assigning a commercial loan request Methods, apparatus, and articles of manufacture for capturing commercial loan application data and assigning a commercial loan request are disclosed herein. Embodiments of the invention provide mechanisms for capturing commercial loan application data, assigning a c... | 04/17/2012 |
| 8160956 | Insurance system and method for a high-risk asset purchaser or lessee A method of financing a purchase or a lease a depreciating asset that includes determining a credit worthiness indication associated with a purchaser or lessee and establishing a finance contract for the lease or the purchase of the depreciating asset. A dealer is a... | 04/17/2012 |
| 8156039 | Method and system for managing a mortgage rebate transaction card account A method and system of managing a mortgage rebate transaction card account in which a transaction card provider computes a mortgage rebate amount based on the amount of charges incurred against the account and periodically arranges for application of the mortgage re... | 04/10/2012 |
| 8150765 | Systems and methods for credit management risk rating and approval A method for one of approving and denying a credit offering to a borrower is disclosed. The method includes calculating a probability of default rating of the borrower and calculating a loss given default rating for the borrower. The method also includes integrating... | 04/03/2012 |
| 8150764 | System, program product, and method to authorize draw for retailer optimization A line of credit optimized for a retailer and attached to a customer account at a financial institution is established for a customer of the retailer. A financial institution computer determines whether to advance funds through the line of credit for a transaction, ... | 04/03/2012 |
| 8150762 | System and method for providing credit Disclosed are systems and methods for providing credit. The systems and methods receive a credit request from a applicant, determine immediately whether or not credit will be provided to the applicant and, if so, provide an immediately usable general use credit acco... | 04/03/2012 |
| 8150763 | Systems and methods for staging transactions, payments and collections The present invention relates to systems and methods for staging transactions and facilitating payments by consumers to a lender or merchant to consummate a financial transaction and/or to maintain a financial relationship. In one embodiment, a method for accepting ... | 04/03/2012 |
| 8145560 | Detecting fraudulent activity on a network Described are computer-based methods and apparatuses, including computer program products, for detecting fraudulent activity on a network. A user utilizes a transmitting device to transmit user requests that are split between a plurality of data centers for processi... | 03/27/2012 |
| 8145561 | Phone usage pattern as credit card fraud detection trigger A credit card fraud reduction system is disclosed. The system comprises a computer system and an application. The application, when executed on the computer system, applies increased credit card fraud prevention procedures to use of an electronic credit card applica... | 03/27/2012 |
| 8145562 | Apparatus and method for fraud prevention The disclosed method and apparatus combine interactions and transactions in order to detect fraud acts or fraud attempts. In one embodiment, one or more interactions is correlated with one or more transactions, the interactions is and transactions features are combi... | 03/27/2012 |
| 8145564 | Systems and methods for supporting extended pay date options on an insurance policy A recurring automatic payment date may be set for an insurance policy premium based on customer preference. A server may receive a customer-specified day of a month and/or a request for bimonthly withdrawals, such as may be entered via a user interface on an insuran... | 03/27/2012 |
| 8145563 | Computer system and method for networked interchange of data and information for members of the real estate financial and related transactional services industry An Interchange Party Computer System (“IPCS”) comprising: a plurality of units of allocated resources, configured for a lender party, broker party, transaction party and/or investor party, each unit of allocated resources including one or more administrator user... | 03/27/2012 |
| 8140429 | Universal merchant platform for payment authentication A method is provided for supporting processing of a transaction conducted between a first party and a second party. The first party accepts payment via a plurality of different payment options selectable by the second party, and the plurality of different payment op... | 03/20/2012 |
| 8135642 | Resilient messaging system and method A computer-implemented system for processing a customer application for a wireless telecommunications device is provided. The system includes a first credit component to obtain first credit information for a customer and a second credit component maintaining default... | 03/13/2012 |
| 8135643 | Intelligent collections models Apparatuses, computer media, and methods for analyzing credit and tax form data and determining a collections treatment type to collect revenue. A collections model is constructed to determine a collections score that is based on raw credit data and tax form data an... | 03/13/2012 |
| 8131635 | Method and system to manage a credit portfolio and to trigger credit actions A method to trigger credit actions may include determining a quantity of triggers flagged for a selected creditor. The method may also include establishing an action plan in response to the quantity of flagged triggers being greater than the predetermined number. In... | 03/06/2012 |
| 8131638 | System and method for assessing operational risk employing market-based information processing A method of assessing operational risk includes defining a participant set. The participant set includes a plurality of members. The method also includes identifying a set of initial risk sources, assigning risk certificates for each of the initial risk sources to e... | 03/06/2012 |
| 8131637 | Predictive model for use in providing an equity release financial product A predictive model for use in providing an equity release (reverse mortgage) financial product is disclosed. In at least some embodiments, a plurality of representative loans are created, wherein each loan can be characterized by a borrower type and a mortality tabl... | 03/06/2012 |
| 8131636 | System and method for performing financial transactions on a network Embodiments of the present invention include a computer-implemented method of performing a financial transaction on a network comprising storing a plurality of risk factors and associated severities in a web-enabled remote policy database, the severities defining ac... | 03/06/2012 |
| 8131639 | Method and apparatus for estimating the spend capacity of consumers Time series consumer spending data, point-in-time balance information, internal customer financial data and consumer panel information provides input to a model for consumer spend behavior on plastic instruments or other financial accounts, from which approximations... | 03/06/2012 |
| 8126803 | Automated float pricing for geographically distributed deposits and accounts An automated system can be provided for continuously and accurately assigning float to deposit credits within a financial institution. A normalized market segment is continuously assigned to each account by extracting information from a plurality of disparate demand... | 02/28/2012 |
| 8126804 | Decision support systems and methods for complex networks Methods and systems for automated decision support in analyzing operation data from a complex network. Embodiments of the present invention utilize these algorithms and techniques not only to characterize the past and present condition of a complex network, but also... | 02/28/2012 |
| 8126802 | Computer system and method for managing financial funding of a finite insurance policy In a computer system and in a computer-implemented method for managing financial funding of a finite insurance policy provided by an insurer to an insured, a fixed amount of the financial funding is stored as an amount payable by the insured for a calculation period... | 02/28/2012 |
| 8121940 | Consumer behaviors at lender level The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their re... | 02/21/2012 |
| 8121938 | Comprehensive online loan transaction Method and system for conducting a commercial transaction requiring a monetary loan online to allow a consumer or borrower to access a lending institution over a network connection and apply for a monetary loan online. The loan application is processed in real time ... | 02/21/2012 |
| 8121937 | Gaming industry risk management clearinghouse Systems, methods, apparatus, computer program code and means for gathering, organizing and presenting on a real time basis information pertinent to Risks associated with subjects related to the Gaming Industry. Risks associated with the Gaming Industry can be manage... | 02/21/2012 |
