ࡱ> v x c d e f g h i j k l m n o p q r s t u q` h~bjbjqPqP 4^ ::hvfffffff|4xxxxl (C:׬׬׬BCCCCCC$Dh"G%Cf׬׬%Cff:C -ffBBff dxXPC0CGGGf<׬]׬׬׬%C%C ׬׬׬C(((d$MdC(((Mzt xffffff DATA IN-DATA OUT PATENTS, 2012 January 3, 2012 Total 705 Class patents issued: 78 Data In-Data Out patents: at the very least, 10 PATENTDATA INDATA OUTApparatuses, Methods, and Systems for Building a Risk Evaluation Product; US 8,090,600 B2; January 3, 2012; Class 705/4; 12 claims; assigned to Insight Catastrophe Solutions.Risk rater base criteria, comprising at least a unique risk rater identifier; risk characteristic input fields; a set of rule calls; other stuff; process provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products, the modularity of the approach facilitating the modification and updating of a system component without affecting the operation of other components.Risk evaluation product. Frip: If you dont build the right risk evaluator, youre the problem.System and Method for Determining a Premium for Insurance for a Security; US 8,090,601 B2; January 3, 2012; Class 705/4; 17 claims; assigned to SBH, Inc.Information related to a security to be insured; process involves determining an insurance risk premium based upon a security to be insured, determining an expense and profit load, and combining them to produce a total gross premium.Total gross premium. Frip: How about insurance on the insurance?Mortgage Payment Insurance Method and System; US 8,090,635 B1; January 3, 2012; Class 705/35; 23 claims.Information from a first computer related to a mortgage loan application from a borrower, the information related to a mortgage payment insurance policy providing that if a borrower defaults in its payment obligation under the mortgage, the insurer will make one or more insurance payments to borrower's payee.Mortgage loan having an interest rate paid by the borrower, the interest rate based on the existence of the mortgage payment insurance policy and subject to any terms or conditions thereof. Frip: Well, why not? Or whatever.Valuing Model Option Contracts; US 8,090,636 B2; January 3, 2012; Class 705/35; 6 claims.Price of the underlying stock; whole bunch of other variables; (a Model Option contract is a new type of option contract that gives the holder the right to settle the contract by selling it back to the option seller at a price determined by a valuation methodology that is specified in the contract; in effect, this is a way of embedding a put option into an option contract.Theoretically correct value for a Model Option contract. Frip: At last! The Holy Grail!Method and System for Creating and Marketing Employee Stock Option Mirror Image Warrants; US 8,090,639 B2; January 3, 2012; Class 705/36R; 21 claims; assigned to JPMorgan Chase Bank, N.W.Options issued to company employees on company stock, the options including an exercise term, a strike price, and a restriction on transfer or hedge; warrants on the company stock, the warrants including an amortization factor and other stuff; process involves determining the market value of the warrants from which the market value of the options is determined.Value of employee stock options. Frip: Piece of cake.Option Computation for Tangible Depreciating Items; US 8,090,642 B1; January 3, 2012; Class 705/37; 18 claims; assigned to TechForward, Inc.Historical sales data of sold tangible depreciating items from marketplaces; Information on a tangible depreciating item; process involves computing present resale value of the tangible depreciating item.Predicted resale value of the tangible depreciating item, which leads to a put option value. Frip: Black-Scholes, move over.Modeling Financial Instruments Using Bid and Ask Prices; US 8,090,644 B2; January 3, 2012; Class 705/37; 11 claims; assigned to Penson Worldwide, Inc.At least one series of historical bid prices of a financial instrument or historical ask prices of the financial instrument; financial model type that has at least one variable parameter; process involves initializing the variable parameter of the selected model type and estimating the variable parameter.Model of an investment significant parameter of a financial instrument. Frip: Hey, initialize your own variable parameter. My parameter is not variable, if you please.Fraud Detection Based on Efficient Frequent-Behavior Sorted Lists; US 8,090,648 B2; January 3, 2012; Class 705/38; 20 claims; assigned to Fair Isaac Corporation.Frequency information on entities in transaction data for at least one individual account; process involves converting frequency information to a frequency variable.Predicting whether an activity is fraudulent in response to the frequency variable. Frip: Caught by statistics. Is that fair, Fair Isaac?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; US 8,090,649 B2; January 3, 2012; Class 705/38; 20 claims; assigned to Metabank.Estimate of the tax refund available from a tax return of a customer.New credit or additional credit to demand deposit accounts, prepaid cards, and existing lines of credit of the customer, based on expected tax refund amounts. Frip: What about if there is no refund but there is additional tax owed?Techniques for Transaction Adjustment; US 8,090,654 B2; January 3, 2012; Class 705/40; 5 claims; assigned to Mastercard International Incorporated.Detection of irregularity with a transaction involving a smart credit card or a debit card.Adjustment of offline balance in response to the detection. Frip: You cant get away with nothing no more. January 10, 2012 Total 705 Class patents issued: 101 Data In-Data Out patents: at the very least, 13 PATENTDATA INDATA OUTComputer System for Underwriting a Personal Guaranty Liability by Utilizing a Risk Apportionment System; US 8,095,396 B1; January 10, 2012; Class 705/4; 4 claims; assigned to Asterisk Financial Group, Inc.Data on a guarantor seeking guaranty insurance, the guarantor having received a loan from a lender for an organization associated with the guarantor, the guarantor being required by the lender to provide a personal guaranty on the loan; other relevant data; process involves determining that the degrees of policy and portfolio risk corresponding to the guarantor are below a threshold of risk.Guaranty insurance policy. Frip: So many risks, so many kinds of insurance.Method and System for Administering Money Laundering Prevention Program; US 8,095,441 B2; January 10, 2012; Class 705/35; 21 claims; assigned to Barclays Capital, Inc.Identified risk factors; the risk factors including jurisdiction-based risk factors, entity type-based risk factors, and business type-based risk factors; information in connection with an account.Determination of whether the information in connection with an account implicates any of the risk factors, and if so, identification of appropriate actions. Frip: Risk identification patents, the hot thing.Systems and Methods for Calculating Specified Matrices; US 8,095,442 B2; January 10, 2012; Class 705/35; 17 claims; assigned to SAP AG (Germany).Mass data from one or more databases of one or more different data sources associated with banking practice, the mass data including data packages organized as sets of rows and sets of columns, each row corresponding to a record, and the columns including fields of predetermined granularity characteristics and fields of predetermined key figures.Base matrix and specified matrices. Frip: All the worlds a matrix.Debt Trading Systems and Methods; US 8,095,443 B2; January 10, 2012; Class 705/35; 18 claims; assigned to ConsumerInfo.com, Inc.Credit reports and other financial information about a subject.Debt trending information that indicates in the form of lists, tables, graphs, charts, and what all, information regarding multiple debt accounts associated with the user. Frip: See your chart? Its all downhill.Determination of Gold Price and Bond Yield According to the Required Yield Method; US 8,095,444 B2; January 10, 2012; Class 705/35; 60 claims.Economic data relating to the economy, the data including a gross domestic product (GDP) per capita growth rate and maybe an expected inflation rate; at least one asset characteristic of each asset, which may be an equity index, a bond, gold, a currency, a derivative, or some such; process includes computations in accordance with the Required Yield Method (RYM), and the transfer of the asset characteristic to a tangible medium.Asset analysis according to the Required Yield Method (RYM). Frip: Ah, the old Required Yield Method. Wondered when that baby was gonna be patented.Reducing Accounting Volatility; US 8,095,448 B2; January 10, 2012; Class 705/36; 25 claims.Terms governing determination of a contract rate of return, a contract value for an investment associated with an investment portfolio, or both; market data including data corresponding to at least one measure of the variation in the rate of return corresponding to the return on the investment portfolio.Determined contract rate of return, determined contract value, or both. Frip: Ah, the dense language of the investing field. What are they talking about?Systems and Methods for Controlling Portfolios; US 8,095,446 B2; January 10, 2012; Class 705/36R; 15 claims.Data on investments in a portfolio; constantly updated fund data to compare a current fund with possible new funds; predetermined criteria for sweeping investments from one fund to another.Automatic transfers from one fund to another according to user predetermined criteria. Frip: Save me from myself!Methods and Apparatus for Self-Adaptive, Learning Data Analysis; US 8,095,447 B2; January 10, 2012; Class 705/36R; 22 claims; assigned to Adaptive Technologies, Inc.Bunch of data; process involves a predictive modeling system with multiple artificial agents responsive to an input data set corresponding to a past behavior of a financial instrument over time, and so much more.Artificial agents that are activated, retired, or both according to predictability value and a predetermined threshold value. Frip: Huh?Live Alerts; US 8,095,452 B2; January 10, 2012; Class 705/37; 14 claims; assigned to Chicago Mercantile Exchange Inc.Real time trading messages; predetermined rules.A real time report when rules or limits are violated. Frip: The Chicago Merc, staying on top of things.Coordination of Algorithms in algorithmic Trading Engine; US 8,095,455 B2; January 10, 2012; Class 705/37; 28 claims; assigned to Pipeline Financial Group, Inc.Electronic data describing a trading order; multiple available stored algorithms for execution of the trading order; process involves evaluating the quality of order execution, and selecting other algorithms if the initial one is not satisfactory.Selection of another algorithm if the first is unsatisfactory. Frip: Sort of like a spouse. If the first is unsatisfactory, select another.System and Method for Matching Loan Consumers and Lenders; US 8,095,458 B2; January 10, 2012; Class 705/38; 34 claims; assigned to Horizon Digital Finance, LLC.Loan consumer application information; credit report; lender database; process involves matching the customer information and credit report to ranked lenders, and querying lenders.Presentation of responding lenders for review by the customer. Frip: And the winner is. . . .!Determinations Relating to Resource Distribution; US 8,095,460 B2; January 10, 2012; Class 705/38; 20 claims; assigned to Bank of America Corporation.Financial transactions of a user; financial accounts and information concerning the user; process involves categorizing and subcategorizing transactions, and making various financial calculation.Categorized transactions and calculated financial ratios. Frip: BofA, its sorry for all the trouble it has caused. Really.System and Method for Assessing and Managing Financial Transactions; US 8,095,461 B2; January 10, 2012; Class 705/38; 20 claims; assigned to Autoalert, Inc.Financing information; customer information; product information; process involves comparing a customer's current financial arrangement to a potential new financial arrangement to determine whether the customer is able to enter into a new financial arrangement on terms favorable to the customer.Alerts to dealers when customers are able to enter new financial arrangements under terms favorable to the customer. Frip: Customer right for the plucking, aisle 4. January 17, 2012 Total 705 Class patents issued: 78 Data In-Data Out patents: at the very least, 13 PATENTDATA INDATA OUTFinancial Policy Change Advisor; US 8,099,309 B1; January 17, 2012; Class 705/7.11; 34 claims; assigned to Intuit Inc.Financial data associated with an entity; proposed financial policy impacting the entity.Estimated financial outcome, and other stuff. Frip: Piece of cake.System and Method for Recreating Tax Documents; US 8,099,341 B2; January 17, 2012; Class 705/30; 19 claims; assigned to OREM Financial Services Inc.Request for a copy of a previously filed tax document; downloaded tax transcript from an agency, such as the IRS; process involves mapping values from the transcript into one or more templates to recreate the filed tax document.Recreated tax document. Frip: There it is. Your 1978 form 1040.Method and Apparatus for Enabling Individual or Smaller Investors or Others to Create and Manage a Portfolio of Securities or Other Assets or Liabilities on a Cost Effective Basis; US 8,099,344 B2; January 17, 2012; Class 705/35; 20 claims; assigned to FOLIOfn, Inc.Portfolio of investments from multiple potential investment options; using a graphical user interface, adjustment of risk-return characteristic of the portfolio; process involves automatic determination of weighting of investments to accommodate the desired risk-return characteristic.Transmission of one or more trades to adjust the portfolio. Frip: And all with just the click of a mouse.Financial Account Information Management and Auditing; US 8,099,345 B2; January 17, 2012; Class 705/35; 8 claims; assigned to Bank of America Corporation.Data representing multiple financial transactions; data referencing each of the financial transactions.Something useful, such as inconsistencies or evidence of fraud, or something. Frip: BofA, doin something.Reference Price Framwork; US 8,099,346 B2; January 17, 2012; Class 705/35; 30 claims; assigned to Pricemetrix, Inc.Universe of pricing episode data that is segmented into groupings based on price predictive parameters; process involves arranging data in each grouping according to price, and determining a reference price within each grouping based on a predetermined level, rank, or percentile.Various calculations or comparisons, including the revenue opportunity that could have been obtained by pricing at the reference price. Frip: Leavin Frip speechless.System and Method for Creating a Market Map in an Electronic Trading Environment; US 8,099,348 B2; January 17, 2012; Class 705/35; 12 claims; assigned to Trading Technologies International, Inc.Market information for tradable objects.Providing a tool for displaying trader-related data in combination with market data related to one or more tradable objects, the user being able to define one or more adjustment parameters to be used to adjust the view of information being displayed via linked graphical interfaces. Frip: Graphical displays, an infinite source of patentable stuff.Certificate of Deposit Consolidation; US 8,099,349 B1; January 17, 2012; Class 705/36R; 21 claims; assigned to USAA.User provided information pertaining to his or her certificates of deposits, such as amount and maturity dates; recommendations regarding consolidating the CDs by rolling them into annuities or insurance.Schedule for consolidating the CDs into the recommended financial service. Frip: USAA, getting fancy.Methods, Systems, and Device Readable Media for Proposition Evaluation; US 8,099,351 B2; January 17, 2012; Class 705/36R; 30 claims; assigned to Wiktive LLC.Initial inputs related to a proposition under analysis, each of the initial inputs relating to an evaluation or an improvement of the proposition; process is a predictive wiki optimization that leverages collective knowledge and, in some embodiments, represents an application of predictive markets within a wiki-style wrapper.Consensus regarding the proposition under analysis. Frip: A wiki-style wrapper, whee! Market Indicator Process and Method; US 8,099,353 B2; January 17, 2012; Class 705/37; 26 claims; assigned to The NASDAQ OMX Group, Inc. (Sweden?).Results of monitoring at least a portion of the trading of at least two discrete securities that occurs outside of a regular trading session; system involves a closing price variation calculation process that calculates the predicated opening index price of a security index for the beginning of the next regular trading session. Opening index price of a security index including at least two discrete securities. Frip: Since when did the NASDAQ move to Sweden? System and Method for Determining Implied Market Information; US 8,099,355 B2; January 17, 2012; Class 705/37; 38 claims; assigned to Trading Technologies International, Inc.Market information; process involves computing identity vectors and characterizing a market by exhaustively computing one or more combinations of other related markets such that the markets of each combination when summed result in the market under consideration.Implied market information and other stuff. Frip: Wow!Method and Apparatus System for Modeling Consumer Capacity for Future Incremental Debt in Credit Scoring; US 8,099,356 B2; January 17, 2012; Class 705/38; 17 claims; assigned to Fair Isaac Corporation.Credit reports and risk scores about a consumer; process involves developing a prediction model that predicts a statistical interaction of performance expectation with likely post-scoring behavior, or something like that.Prediction of the capacity of a consumer to undertake incremental debt in the future. Frip: The prediction is, youre going broke.Automated Political Risk Management; US 8,099,357 B2; January 17, 2012; Class 705/38; 21 claims; assigned to Goldman Sachs & Co.Data relating to a financial transaction involving a politically identified person; process involves structuring the received data according to political risk quotient criteria, calculating a political risk quotient based on the structured data, comparing the political risk quotient with a risk quotient threshold to determine a suggested action for proceeding with the financial transaction, and facilitating the financial transaction with the determined suggested action.Suggested action. Frip: Sounds like the one percenters protecting their backsides.Quantifying the Output of Credit Research Systems; US 8,099,358 B2; January 17, 2012; Class 705/38; 20 claims; assigned to Bank of America Corporation.Internal company credit rating for securities; an external credit research agency original credit rating for each of the securities; data representative of a change of the external credit research agency original credit rating for at least one of the securities; data representative of a current price of the security and a benchmark price of the security.At least one calculated metric to determine a correlation between the internal company credit ratings and the new external credit research agency ratings for each of the securities. Frip: Whoa, B of A! Take things easy, Big Fella. January 24, 2012 Total 705 Class patents issued: 81 Data In-Data Out patents: at the very least, 10 PATENTDATA INDATA OUTFraudulent Transaction Identification System; US 8,103,568 B1; January 24, 2012; Class 705/35; 15 claims; assigned to Bank of America Corporation.Transaction information with an address; process involves a determination as to whether or not the transaction is suspicious by querying information on the address or a geocode.Determination as to whether or not the transaction is suspicious. Frip: BofA should have used the process to evaluate its acquisition of Countrywide.Method for Adjusting the Value of Derivative Securities Due to a Corporate Event; US 8,103,569 B2; January 24, 2012; Class 705/36R; 13 claims.Derivative security data; process involves, in response to an event related to the underlying security that forces investors to exercise their derivatives before the time period allotted to the derivatives has expired, adjustment of the value of the derivative securities for the holder of the derivative security as well as the investor who has written the derivative security.Adjusted value and terms of equity derivatives. Frip: Lettin derivative investors off the hook. Another perk of being a one-percenter.System and Method for Creating and Trading Near One Delta Securities; US 8,103,570 B1; January 24, 2012; Class 705/36R; 32 claims; assigned to Goldman Sachs & Co.Request for a spread exposure on an underlying security; cost information for the requested spread exposure; process involves calculating cost of components including a long put spread and a short put spread, the components achieving the requested spread exposure to cover maximum possible downside risk.Price for an instrument that achieves the requested spread exposure. Frip: Arent Goldman Sachs and Mitt in cahoots? Newt says so.Method and System for an Enhanced Step-Up Provision in a Deferred Variable Annuity with a Rising Guaranteed Step-Up; US 8,103,571; January 24, 2012; Class 705/36R; 20 claims; assigned to Hartford Fire Insurance Company.Deferred variable annuity contract and data indicative of a payment base value, a withdrawal percent value, and a contract value, and a formula for determining an amount of benefit payments available on a periodic basis in accordance with a guarantee, based on multiplying the payment base value by the withdrawal percent value, and more.Payment benefit available for withdrawal without reducing the payment base value, or something. Frip: Yeah, annuities are simple things. Not.Method and System for Processing Data for a Deferred Annuity with Available Benefit Payments Related to an Increasing Withdrawal Percent; US 8,103,573 B2; January 24, 2012; Class 705/36R; 20 claims; assigned to Hartford Fire Insurance Company.Data relating to a deferred annuity contract during the accumulation phase for a relevant life; process involves determining an amount of an available benefit payment, available on a periodic basis for withdrawal without reduction of a payment base value, the available benefit payment amount being based on a withdrawal percent value and something else.Amount of the benefit payment available during a time period during the accumulation phase without reduction of the payment base value. Frip: More annuity stuff means bigger headaches means more aspirin needed.System and Method for Use In Auditing Financial Transactions; US 8,103,575 B1; January 24, 2012; Class 705/36R; 41 claims; assigned to ICAP Services North America LLC.Data from financial markets, including the date and time trades are executed and the prices at which the financial instruments traded.Report that compares an already executed transaction against transaction data stored in computer memory, for verification that the already executed transaction was executed at a reasonable price. Frip: And if there is no verification. . . ?Controlling Markets During a Stop Loss Trigger; US 8,103,576 B2; January 24, 2012; Class 705/37; 8 claims; assigned to Chicago Mercantile Exchange Inc.Trading orders submitted to an automated trading engine; predetermined price threshold; process involves comparing an execution price of a stop order to the predetermined price threshold and flagging the market for the financial instrument if the execution price is beyond the predetermined price.When execution price of the stop order lies beyond the predetermined price threshold, matching of orders takes place only at or within the predetermined price threshold, orders within the price threshold being matched at the price threshold against orders beyond the price threshold, thus dampening any instantaneous damaging effects of the price spike. Frip: So no more thousand point drops in the Dow?System and Method for Multi-Factor Modeling, Analysis and Margining of Credit Default Swaps for Risk Offset; US 8,103,578 B2; January 24, 2012; Class 705/37; 20 claims; assigned to Chicago Mercantile Exchange Inc.Data associated with multiple financial instruments within a portfolio; process involves determining a systematic risk margin, a curve risk margin, a convergence and divergence risk margin, a sector risk margin, an idiosyncratic risk margin, a liquidity risk margin, and a basis risk margin, and calculating a multi-factor risk margin.Margin requirement associated with the multiple financial instruments within the portfolio. Frip: Idiosyncratic risk margin is Frips favorite.Computerized Transaction Method and System; US 8,103,583 B2; January 24, 2012; Class 705/39; 21 claims.Offers to trade without indicating whether the offers are buy or sell; process involves identifying a median value of the offers.Initiation of transactions such that entities that submitted offers identifying values that are less than the median value are required to sell at the median value, and entities that submitted offers identifying values that are greater than the median value are required to buy at the median value. Frip: Well, why not?System and Method for Account Level Blocking; US 8,103,588 B2; January 24, 2012; Class 705/44; 29 claims; assigned to Visa International Service Association.Transaction clearing request for a transaction; stored blocking parameter.Determination to allow the transaction clearing request if the transaction does not satisfy the stored blocking parameter, and to deny the transaction clearing request if the transaction satisfies the stored blocking parameter. Frip: Patent on thumbs up, thumbs down decision. January 31, 2012 Total 705 Class patents issued: 100 Data In-Data Out patents: at the very least, 9 PATENTDATA INDATA OUTMethod and System for Offering Financial Products Based on a Customers Determined Life Status; US 8,108,275 B2; January 31, 2012; Class 705/35; 8 claims; assigned to Capital One Financial Corporation.Customer information from at least one source chosen from a purchase database, an application database, a call center database, an Internet database, and a public records database; process involves categorizing a customer into a life status and determining the customers creditworthiness. Suggested financial products for the customer. Frip: They know all about us. They even know when we are taking a s***.Method and Apparatus for Reference Data Scrubbing; US 8,108,276 B2; January 31, 2012; Class 705/35; 13 claims; assigned to Goldman Sachs & Co.Data identifying a reference entity participating in a derivative transaction; data identifying at least a first reference obligation associated with the derivative transaction; process involves generating a data record associated with the derivative transaction, and other stuff.Data record associated with the derivative transaction, and a derivative agreement. Frip: Derivatives. Should patents about derivatives even be allowed?System and Method for Multi-Factor Modeling, Analysis and Margining of Credit Default Swaps for Risk Offset; US 8,108,281 B2; January 31, 2012; Class 705/35; 13 claims; assigned to Chicago Mercantile Exchange Inc.Data associated with multiple financial instruments within a portfolio; process involves determining a shock value for the risk factors within a multi-factor risk model. Maximum risk margin for each of the risk factors, and total multi-factor risk margin based on the maximum risk margin for each of the risk factors. Frip: Multi-factor risk margin. Cool.Market Sentiment Indicator; US 8,108,290 B2; January 31, 2012; Class 705/37; 18 claims; assigned to Chicago Board Options Exchange, Inc.Option activity information from an order routing system; process involves calculating a sum of buy call contract volume and sell put contract volume, and a total amount of contract volume.Indicator value representing market sentiment. Frip: Do a little basic arithmetic and get yourself a patent. System and Method for Creating Trade-Related Annotations in an Electronic Trading Environment; US 8,108,291 B1; January 31, 2012; Class 705/37; 22 claims; assigned to Trading Technologies International, Inc.Trade-related annotations and flagging stuff, entered by a trader.Annotation record and stuff. Frip: TTI, not letting the grass grow.Order Matching System; US 8,108,294 B2; January 31, 2012; Class 705/37; 28 claims; assigned to Intellectual Ventures Fund 67 LLC.Definition of an order, defined by an evaluation heuristic, that identifies changes of respective characteristics of transaction instances of the order at respective execution times of the transaction instances; process involves transmitting a message defining a transaction instance of the transaction instances to a transaction destination of the transaction instance. Completion message identifying a status of the transaction instance from the transaction destination. Frip: An evaluation heuristic and transaction instances: a U.S. patent in a non-English language. System and Method for Varying Electronic Settlements Between Buyers and Suppliers with Dynamic Discount Terms; US 8,108,296 B2; January 31, 2012; Class 705/37; 19 claims; assigned to JPMorgan Chase Bank, N.A.Request for new terms for settlements having established terms; process involves a lot of back and forth.Settlement under new terms. Frip: A patent on talking back and forth.Methods and Systems Related to Trading Events; US 8,108,299 B1; January 31, 2012; Class 705/37; 27 claims; assigned to Pipeline Financial Group, Inc.Data describing a trading order; pre-established conditions; process involves determining whether to switch trading algorithms.Selection of trading algorithm or algorithms. Frip: Seen one algorithm, seen them all.Systems and Methods for Determining the Likelihood that a Loan Closes; US 8,108,302 B1; January 31, 2012; Class 705/38; 9 claims; assigned to Freddie Mac.Application information that includes at least borrower information, property information, and a first interest rate; home value information; a second interest rate. Determination of an indication representing a likelihood that the mortgage loan may result in closing. Frip: Shouldnt you guys be concentrating on keeping Paul Ryan & Co. at bay? February 7, 2012 Total 705 Class patents issued: 79 Data In-Data Out patents: at the very least, 8 PATENTDATA INDATA OUTFinancial Assessment Systems and Methods; US 8,112,332 B1; February 7, 2012; Class 705/35; 22 claims; assigned to USAA.Financial data pertaining to an individual; business rules for analyzing the financial data.Financial recommendations and synopsis view of a financial plan. Frip: The synopsis view of your financial plan? Bend over, grab your ankles, pull your head between your legs, and kiss your a** goodbye.Systems and Methods for Processing Pricing Data; US 8,112,335 B2; February 7, 2012; Class 705/35; 18 claims; assigned to Barclays Capital Inc.First data comprising a first price source, a first market condition, and a currency pair; second data comprising a second price source; process involves determining a price source by selecting between the first price source and second price source based on the first market condition.Price quote based on the first or second data. Frip: Them Brits are a funny lot.Method and System for Clearing Financial Instruments; US 8,112,337 B2; February 7, 2012; Class 705/35; 27 claims; assigned to Keycorp.Electronic files of items containing data scanned from financial instruments including an amount of each instrument; rule to sort the items by determining whether an item may be stored or forwarded for clearing without storage; system includes a cost of clearing an instrument the varies with the time of day, and stuff.Disposition of an item by clearing, or by storing and then clearing, or maybe by something else. Frip: You would think clearing would be a simple matter.Collateralized Debt Obligation Evaluation System and Method; US 8,112,340 B2; February 7, 2012; Class 705/36R; 31 claims; assigned to Standard & Poors Financial Services LLC.User input selecting a scenario or feature; data related to a portfolio of securitized assets; process involves determining a scenario default rate using a beta distributed recovery, a counterparty risk, a loss given default, or a non-zero inter-sector correlation, or modeling a short position scenario, a n.sup.th to default basket, a forward start date, and an equity default swap.Report of result relating to the scenario default rate, and other stuff. Frip: Hows your n.sup.th to default basket today? Mine could use a shot of ED medicine.System and Method for Determining the Liquidity of a Credit; US 8,112,341 B2; February 7, 2012; Class 705/36R; 15 claims; assigned to Goldman Sachs & Co.Age and size of a bond; process involves determining (1) a raw score that is a function of the age and size of the bond and (2) an applied issuer premium associated with the bond.Liquidity score, which is a combination of at least the raw score and the applied issuer premium. Frip: So simple yet so perceptive.Capital Markets High Performance Capability Assessment; US 8,112,343 B1; February 7, 2012; Class 705/36R; 15 claims; assigned to Accenture Global Services Limited (Ireland). Multidimensional capital markets industry performance reference set comprising multiple key assessment performance reference tables; input specifying a capital markets industry area and a capital markets industry key assessment area with the capital markets industry area for analysis.Performance level of a capital markets business including the identification of specific areas in which improvements may be made, of how to make the improvements, and of appropriate intermediate steps. Frip: Ah, the Irish. As always, doing the tough work.Method, System, and Storage Medium for Pre-Screening Customers for Credit Card Approval at a Point of Sale; US 8,112,349 B2; February 7, 2012; Class 705/37; 64 claims; assigned to General Electric Company.Customer data at a point of sale system; process involves, during a checkout process, transmitting the customer data to a server, searching a database for the customer data, and based upon results of the searching, performing a credit worthiness check and providing the customer with an invitation to open a charge account.Invitation to open a charge account. Frip: Look, all I wanted was to buy toothpaste.Computerized Trading System; US 8,112,350 B2; February 7, 2012; Class 705/37; 37 claims; assigned to Patshare Limited (UK).Orders for hedged financial instruments from users, each hedged financial instrument comprising at least one interest rate swap hedged against at least one futures contract, each instrument having a non-universally agreed pricing mechanism, the orders being expressed in terms of a user-defined spread-over yield.Orders expressed in terms of standardized spread-over yields. Frip: Just put your order in any old way. Well tell you what you really want. February 14, 2012 Total 705 Class patents issued: 95 Data In-Data Out patents: at the very least, 8 PATENTDATA INDATA OUTSystem for Evaluating Potential Claim Outcomes Using Related Historical Data; US 8,117,043 B2; February 14, 2012; Class 705/13; 10 claims; assigned to Hartford Fire Insurance Company. Historical claim data.Categorized and aggregated historical claim data. Frip: Massage a little data, get a little patent.Method and System for Identifying Fraudulent Account Activity; US 8,117,097; February 14, 2012 B2; Class 705/30; 18 claims; assigned to Citizens Financial Group, Inc.Information and an initial deposit from a customer; process involves applying an algorithm to analyze the account record information and initial deposit to assign a risk level from high to low to the customer based on the nature of the information and the initial deposit.Refusal of account if risk level is too high, flagging and monitoring for accounts with lower risk levels Frip: Computer say you are lying, thieving b******.Flexible and Adaptive Accrual Method and Apparatus for Calculating and Facilitating Compliance with Taxes and Other Obligations; US 8,117,098 B2; February 14, 2012; Class 705/31; 13 claims; assigned to DynaTax Solutions, Ltd.Users financial data.Optimal payment schedules for financial obligations such as taxes. Frip: Maybe Accounting 301?System and Method for Assisted Awareness; US 8,117,102 B1; February 14, 2012; Class 705/35; 28 claims; assigned to Trading Technologies International, Inc.A triggerable event associated with a tradeable object; data feed including information for the tradeable object.Alert to user when a particular event occurs and contextual feedback to the user regarding the same. Frip: Contextual feedback. Cant ask for more than that, eh?Method and Systems for Operationalizing Process Excellence; US 8,117,103 B2; February 14, 2012; Class 705/35; 18 claims; assigned to Bank of America Corporation.Characterization of a former process using lean tools including at least a cost-of-poor-process (COPPO) tool, a takt-o-meter, and an operating efficiency model; characterization of a future process using the same lean tools.Comparative evaluation of the future process relative to the former process using results from the lean tools including the COPPO tool, the takt-o-meter, and the operating efficiency model. Frip: OK, BofA, stop yanking our chain.Proxies for Actively Managed Funds; US 8,117,108 B2; February 12, 2012; Class 705/37; 37 claims; assigned to FMR LLC.Public information about an actively managed fund; process involves selecting a group of financial assets, determining a group of weights corresponding to the group of financial assets, and thereby determining a weighted group of financial assets.Published contents of the weighted group of financial assets, the expected valuation of the weighted group of financial assets being within a threshold percentage of an expected valuation of the actively managed fund. Frip: So your choice is to lose your money on a real fund or a proxy fund.System and Method for Activity Based Margining; US 8,117,115 B2; February 14, 2012; Class 705/37; 18 claims; assigned to Chicago Mercantile Exchange Inc.Past trading activity; process involves correlating a traders monitored activity with an assessment of risk.Margin requirements. Frip: Fine-tuning the nuts and bolts of trading. Maybe.System and Method for Implementing a Consolidated Application Process; US 8,117,121 B2; February 14, 2012; Class 705/38; 21 claims; assigned to JPMorgan Chase Bank, N.A.Customer application for services; process allows customers of a networked service provider to apply for a variety of networked services on one dynamically assembled consolidated application and enables them to receive real time decisioning on their application status for many products.Decisions and other stuff. Frip: JP got ya by the short hairs. February 21, 2012 Total 705 Class patents issued: 109 Data In-Data Out patents: at the very least, 16 PATENTDATA INDATA OUTComparing Taxonomies; US 8,121,875 B2; February 21, 2012; Class 705/7.11; 15 claims; assigned to Morgan Stanley.Comparison sample comprising a part of a first taxonomy and a part of a second taxonomy, the term "taxonomy" referring to a set of definitional relationships between quantities; process involves applying the part of the first taxonomy and the part of the second taxonomy to a common data set to generate a first applied data set and a second applied data set. Comparison of the first applied data set and the second applied data set.. Frip: Patenting a taxonomy. Interesting.Generating Financial Plans Using a Personal Information Aggregator; US 8,121,915 B1; February 21, 2012; Class 705/35; 31 claims; assigned to Resource Consortium Limited (British Virgin Islands).Data feeds from an individual's personal information aggregator.One or more financial plans for the individual. Frip: Me little woman is me personal information aggregator.Method and System for Risk-Hedging in Project Management; US 8,121,916 B2; February 21, 2012; Class 705/35; 4 claims; assigned to IBM.An investment cost and a return for each available project and user-specified constraints; process involves creating a formulation comprising the investment cost and the return for each available project, the constraints, and variables, the variables comprising for each available project a threshold probability of success and a selection decision.Project portfolio and the threshold probability of success for each available project. Frip: Big Blue, puttin stuff in perspective.Using Commercial Share of Wallet to Manage Vendors; US 8,121,918 B2; February 21, 2012; Class 705/35; 18 claims; assigned to American Express Travel Related Services Company, Inc.Myriad financial data; process involves modeling industry spending patterns using individual corporate data and aggregate corporate data, including financial statement data.A businesss (1) commercial size of spending wallet ("CSoSW"), which is the total business spend of a business including cash but excluding bartered items and (2) commercial share of wallet ("CSoW"), which is the portion of the spending wallet that is captured by a particular financial company, and other stuff. Frip: For an old guy, this share of wallet stuff is puzzling.System and Method of Detecting Mortgage Related Fraud; US 8,121,920 B2; February 21, 2012; Class 705/35; 28 claims; assigned to Corelogic Information Solutions, Inc.Mortgage data associated with an applicant; historical mortgage data; process involves modeling and risk factors.Report comprising data indicative of whether the applicants mortgage data is associated with a fraudulent transaction. Frip: How about a fraud patent on flipping a coin? Heads, you have fraud; tails, you dont.System and Method for Flexible Spread Participation; US 8,121,926 B2; February 21, 2012; Class 705/36R; 14 claims; assigned to Chicago Mercantile Exchange, Inc.Portfolio of derivative products; process involves creating predefined sets of products for the purpose of future risk offsets, and doing stuff with them.A risk offset for the portfolio based on at least the portion of the risk offset of the second subset of two or more products characterizing the third subset of two or more products and the computed risk offset of the products of the first subset of three or more products identified by the fourth subset of one or more products. Frip: Hey Baby, thats Chicago. Now pay your dues and shut up.Fuel Offering and Purchase Management System; US 8,121,930 B2; February 21, 2012; Class 705/37; 56 claims; assigned to Goldman Sachs & Co.Strike price and pricing input factors; process involves setting a strike price for a fuel offering, determining a premium price associated with the strike price, monitoring customer purchases of the fuel offering that specifies at least a quantity of fuel and a tenor and customer exercises of the purchases during the specified tenor, and adjusting the strike price, the premium price, or both based on the monitored information.Fuel offering at an offer price comprised of the adjusted strike price, the premium price, or both. Frip: Something goin on here.Fuel Offering and Purchase Management System; US 8,121,931 B2; February 21, 2012; Class 705/37; 62 claims; assigned to Goldman Sachs & Co.Commodity offering terms and commodity offering pricing model; process includes providing the commodity offering for selection by a customer, receiving a customer selection of an association between the strike price and the premium, providing payment for some portion of a commodity purchase for an exercised commodity offering wherein the strike price of the commodity offering is less than a local retail commodity price, and recording customer behavior in a customer behavior database. Modification of the commodity offering pricing model based on the customer behavior database, and stuff. Frip: Nah, not really anything goin on.Fuel Offering and Purchase Management System; US 8,121,932 B2; February 21, 2012; Class 705/37; 61 claims; assigned to Goldman Sachs & Co.Commodity offering term for a commodity offering wherein setting the commodity offering term is based on a customer specification; process involves setting at least one geographic zone exercise restriction based on the customer specification for the commodity offering, determining at least one commodity offering pricing value based on the geographic zone exercise restriction and stuff, and providing the commodity offering when the determined commodity offering pricing value is between a strike price and a premium. Payment for some portion of a commodity purchase for an exercised commodity offering subject to the geographic zone exercise restriction when the strike price of the exercised commodity offering is less than a local retail commodity price. Frip: But three patents spouting what appears to be gibberish? Thats got to be something. Right?System, Method and Program for Preventing Gaming in a Trading System; US 8,121,933 B1; February 21, 2012; Class 705/37; 36 claims; assigned to ITG Software Solutions, Inc.Order from a trader to trade securities in an alternative trading system; process involves determining if gaming is occurring.If gaming is occurring, setting a price collar for the order, and submitting the order to the alternative trading system with the price collar. Frip: What, me gaming the system?! Im shocked, shocked, to be thusly accused!System and Method for Trading Packaged Collar Options on an Exchange; US 8,121,934 B2; February 21, 2012; Class 705/37; 9 claims; assigned to Chicago Board Options Exchange Incorporated.Market data; process involves creating and trading packaged standard options collars on an exchange, collars having opposite positions in out-of-the-money call and out-of-the-money put option contracts based on the same underlying asset.Exchanged-listed collar package, with orders for the collars being processed by matching orders for opposite positions in the collar. Frip: Collars? This isnt some sort of adult entertainment, is it?Foreign Currency Index; US 8,121,936 B2; February 21, 2012; Class 705/37; 19 claims; assigned to Chicago Mercantile Exchange, Inc.Foreign currency exchange rates; process includes calculating a geometric average of the exchange rates of foreign currencies with corresponding competitive weights that reflect competition between the goods of the United States and a country corresponding to the foreign currency in the markets of third countries.Foreign currencies indexed financial instrument. Frip: How much is that in dollars?Gaming Industry Risk Management Clearinghouse; US 8,121,937 B2; February 21, 2012; Class 705/38; 32 claims; assigned to Goldman Sachs & Co.Data relevant to the Gaming Industry from multiple sources; transaction data; process involves aggregating the gathered data according to one or more risk variables.Information pertinent to risks associated with subjects related to the Gaming Industry, and stuff. Frip: Goldman lookin to place a few bets?Method and Apparatus for a Model Assessing Debtor Behavior; US 8,121,939 B2; February 21, 2012; Class 705/38; 22 claims; assigned to Predictive Metrics, Inc.Account receivable data and payment data of a debtor from multiple creditors.Probability of a credit or collection event of the debtor with respect to at least one of the creditors. Frip: Life is gettin hard for us deadbeats.Consumer Behaviors at Lender Level; US 8,121,940 B2; February 21, 2012; Class 705/38; 20 claims; assigned to American Express Travel Related Services Company, Inc.Data on lenders derived from analyzing their consumers.Ratings for lenders based on data derived from their respective consumers and on the predicted spend capacity of their consumers. Frip: Dont p*** off the Man.Financial Account Management; US 8,121,943 B2; February 21, 2012; Class 705/39; 20 claims; assigned to FMR LLC.User-defined rules.Management of multiple accounts across multiple financial institutions in accordance with the user-defined rules. Frip: Well, la-de-da. Somebodys got multiple accounts. Must be a one-percenter. February 28, 2012 Total 705 Class patents issued: 99 Data In-Data Out patents: at the very least, 10 PATENTDATA INDATA OUTMethod and System for Evaluating Insurance Liabilities Using Stochastic Modeling and Sampling Techniques. US 8,126,747 B2; February 28, 2012; Class 705/4; 20 claims; assigned to Watson Wyatt & Company.Financial data related to a population of financial data records and segmented into a number of classes, wherein the class segments are mutually exclusive and collectively exhaustive of the financial data; scenario data for a set of scenarios, wherein each of the scenarios is defined at least in part by a set of variables, and wherein the scenario data for each of the scenarios comprise at least some parameter values for the set of variables.Estimation of financial modeling outcomes. Frip: All models show you broke. But so is everyone else.System for Cost-Sensitive Autonomous Retrieval and Extraction; US 8,126,790 B2; February 28, 2012; Class 705/35; 1 claim; assigned to General Electric Company.Data indicative of desired information; process involves a multi-agent system that includes data provider filter agents associated with one or more information sources, the data provider filter agents being configured to search for the desired information within the respective information sources based on an assessment of the information sources.Desired information. Frip: Sorta like one of the existing search engines, not that they are prior art, mind you.Methods and Systems for Providing a Decision Making Platform; US 8,126,791 B2; February 21, 2012; Class 705/35; 20 claims; assigned to MasterCard International Inc.Financial transaction data from multiple input channels, each input channel associated with a financial transaction data format; process involves converting the financial transaction data into a common data format and enriching the converted data by scoring the data across multiple scoring engines.Converted scores. Frip: Your scores all convert to zero.Systems and Methods for Initial Sampling in Multi-Objective Portfolio Analysis; US 8,126,795 B2; February 28, 2012; Class 705/36R; 18 claims; assigned to General Electric Company.Portfolio data; objectives; constraints; process involves generating an initial population of solutions of portfolio allocations to substantially cover a portfolio configuration space having dimensions defined by competing objectives and multiple constraints, performing a first multi-objective process to generate a first interim efficient frontier in a portfolio performance space having at least three dimensions, and performing a second multi-objective process to generate a second interim efficient frontier in the portfolio performance space.Fused efficient frontier for use in investment decisions. Frip: Fuse my frontier!? Like hell you will.System and Method for Displaying Simple Binary Elements for Multiple Technical Analysis Indicators Representing the Status of an Equity Issue for Simplified Decision Making; US 8,126,797 B2; February 28, 2012; Class 705/36R; 17 claims; assigned to Positive Territory, Inc.Pricing information for multiple issues, wherein the pricing information indicates for each of the issues at least a series of trading day closing prices; process involves performing complex analysis of multiple technical analysis indicators, generating multiple binary elements, and presenting the results of the analysis to a user.Complex analysis of multiple technical analysis indicators, and generated multiple binary elements. Frip: One binary element to go please.System and Method for Margin Loan Securitization; US 8,126,798 B1; February 28, 2012; Class 705/36R; 20 claims; assigned to Charles Schwab & Co.Data for multiple brokerage accounts; process provides for flagging a group of accounts that collectively are representative of a portfolio of marginable accounts held by a brokerage company; process also involves generating a general ledger for a brokerage company, a special purpose vehicle (SPV), and a trust, wherein these general ledgers track the sale of margin loans belonging to the flagged accounts, from the brokerage company to the trust via the SPV.Securitized margin loans. Frip: Charlie Schwab, goin for the one-percenters.System and Method for Estimating Order Position; US 8,126,801 B2; February 28, 2012; Class 705/37; 18 claims; assigned to Trading Technologies International, Inc.Streaming market updates for an order quantity pending in an order queue of an electronic exchange; process involves estimating a position for an order pending execution in the order queue of the electronic exchange. Dynamic display of an indicator representing the estimated position for the order pending execution in the order queue. Frip: Dynamic things are scary.Automated Float Pricing for Geographically Distributed Deposits and Accounts; US 8,126,803 B2; February 28, 2012; Class 705/38; 24 claims; assigned to Bank of America Corporation.Semi-dynamic information for multiple accounts from multiple disparate demand deposit account systems; process involves normalized market segments and stuff.Float assignment for a deposit credit based at least in part on the normalized market segment assigned to the deposit credit and the corresponding account so that the float reflects both a deposit location and the current domestic information for the corresponding account. Frip: And for Joe Sixpack Consumer, this means what?Decision Support Systems and Methods for Complex Networks; US 8,126,804 B2; February 28, 2012; Class 705/38; 15 claims; assigned to Battelle Memorial Institute.Operation data; process uses algorithms and visual analytic techniques to enhance the processing of large amounts of operation data to provide decision support for human operators of complex networks, and stuff.Graphical representations of contingency scenarios superimposed over one another with risk indices, and trending historical risk indices based on their graphical representations to predict future network conditions, and so much more. Frip: Well over Frips head.System and Method for Revolving Credit Product Offer Customization; US 8,126,805 B2; February 28, 2012; Class 705/39; 20 claims; assigned to Argus Information and Advisory Services, LLC.Application for a revolving credit product from an applicant; process involves identifying one or more of the revolving credit product issuer's objectives, determining the applicants profile, and creating and ranking revolving credit products to be offered to the applicant.Offer to the applicant of one or more revolving credit products. Frip: Look, all I wanted was a freakin credit card. March 6, 2012 Total 705 Class patents issued: 97 Data In-Data Out patents: at the very least, 17 PATENTDATA INDATA OUTMethod and System for Evaluating Insurance Liabilities Using Stochastic Modeling and Sampling Techniques; US 8,131,571 B2; March 6, 2012; Class 705/4; 30 claims; assigned to Watson Wyatt & Company.Financial data related to a population of financial data records and segmented into a number of classes, wherein the class segments are mutually exclusive and collectively exhaustive of the financial data; scenario data for a set of scenarios, wherein each of the scenarios is defined at least in part by a set of variables, and wherein the scenario data for each of the scenarios comprise at least some parameter values for the set of variables.Cumulative model outcome that has a distribution within a pre-determined acceptable tolerance limit. Frip: Statistics 401.Program Generator for Hedging the Guaranteed Benefits of a Set of Variable Annuity Contracts; to Genesis Financial Products, Inc. (Canada).Selection of hedging instruments; user-selected projection mode; process involves stuff like vectorized integrated scenario sets and multi-threaded vectorized calculations. Program for hedging guaranteed benefits of a set of variable annuity contracts. Frip: At the very least, being vectorized sounds kinda kinky. Using Commercial Share of Wallet to Compile Marketing Company Lists; US 8,131,614 B2; March 6, 2012; Class 705/35; 7 claims; assigned to American Express Travel Related Services Company, Inc.Company financial data; process involves modeling industry spending patterns.Process involves estimating annual commercial size of spending wallet value for credit network customers and prospects, or something. Frip: This size of wallet stuff is perplexing for the uninitiated.Incremental Factorization-Based Smoothing of Sparse Multi-Dimensional Risk Tables; US 8,131,615 B2; March 6, 2012; Class 705/35; 8 claims; assigned to Fair Isaac Corporation.Historical data; process involves incremental factorization-based smoothing of sparse multi-dimensional risk tables.A final approximate risk value that can be used subsequently in a statistical model, the statistical model enabling a determination to be made whether transaction data is to be classified as fraudulent. Frip: Sounds like a job opportunity for someone in the field of incremental factorization-based smoothing.Enhanced System and Method for Managing Financial Market Information; US 8,131,618 B2; March 6, 2012; Class 705/35; 28 claims; assigned to CFPH, LLC.Market information.Graphical depiction of the financial market information, the depiction including a multidimensional representation of a broad range of market information for at least two financial instruments. Frip: Doesnt TTI already have about 300 patents on this? Financial Instrument Selection and Weighting System and Method; US 8,131,620 B1; March 6, 2012; Class 705/36R; 21 claims; assigned to WisdomTree Investments, Inc.Selection and weighting criteria; process involves constructing primary indices, derivative indices, other derivative indices, and so on.A financial instrument. Frip: And so, another bit of dark money mysteriously materializes.Customizable Trading Display of Market Data; US 8,131,625 B2; March 6, 2012; Class 705/37; 20 claims; assigned to BGC Partners, Inc.Market instrument data; process includes selecting a subset from multiple quadrants, each quadrant being associated with one benchmark instrument and at least one non-benchmark instrument, each non-benchmark instrument being associated with the benchmark instrument.Graphic display showing the subset of quadrants and each quadrant including the associated market data. Frip: Im puttin all my chips on the sixth quadrant. What, there are only four quadrants?Customizable Trading Display of Market Data; US 8,131,626 B2; March 6, 2012; Class 705/37; 25 claims; assigned to BGC Partners, Inc.Market instrument data; process includes selecting a subset from multiple quadrants, each quadrant being associated with one benchmark instrument and at least one non-benchmark instrument, each non-benchmark instrument being associated with the benchmark instrument.Graphic display showing the subset of quadrants and each quadrant including the associated market data. Frip: This patent has 25 claims. The preceding appears almost identical but has 20 claims. So there is a difference. Trust me.Method and System for Displaying and Trading Spreads; US 8,131,629 B1; March 6, 2012; Class 705/37; 62 claims; assigned to Trading Technologies International, Inc.Price and quantity information for tradeable objects; process involves computing implied price and quantity information for spreads of the tradeable objects.Graphic display of direct and indirect price and quantity information for spreads in a manner that shows the relationship with each other and with the price and quantity information for the tradeable objects. Frip: TTI, never a week goes by.Trade Order Routing; US 8,131,630 B2; March 6, 2012; Class 705/37; 20 claims; assigned to BGC Partners, Inc.Trading information for a first market center; trading information for a second market center; trading order; process involves routing the trading order.Routed trading order. Frip: BGC sends a zinger back to TTI!System and Method for Selectively Displaying Market Information Related to a Plurality of Tradeable Objects; US 8,131,631 B2; March 6, 2012; Class 705/37; 20 claims; assigned to Trading Technologies International, Inc.Market information; predefined movement of a user input device in relation to multiple tradeable object indicators.Graphic display of market data for a selected tradeable object. Frip: TTI, with a behind-the-back cross court winner!System and Method for Determining the Market Risk Margin Requirements Associated with a Credit Default Swap; US 8,131,634 B1; March 6, 2012; Class 705/37; 18 claims; assigned to Chicago Mercantile Exchange Inc.Data on financial instruments within a portfolio; process involves determining a time-series of returns for financial instruments within the portfolio, calculating residuals and volatilities as a function of the time-series of returns, applying a student-t copula to determine a correlation matrix and degrees-of-freedom, and a whole bunch more.Margin risk calculation based on a risk percentile associated with a spread distribution. Frip: Think government regulations are the source of all complexity? You dont find many student-t copulas in government regs.Method and System to Manage a Credit Portfolio and to Trigger Credit Actions; US 8,131,635 B2; March 6, 2012; Class 705/38; 33 claims; assigned to Bank of America Corporation.Periodic review of the status of a creditor or creditors that has or have outstanding loans from the user entity; process involves searching for triggers indicative of concerns.Risk review if necessary to determine actions to reduce exposure or loss. Frip: Creditors, debtors, is BofA confusing the two?System and Method for Performing Financial Transactions on a Network; US 8,131,636 B1; March 6, 2012; Class 705/38; 22 claims; assigned to Ensenta Corporation.Risk factors and associated severities, held in a remote policy database, the severities defining actions taken when a specific risk factor is detected; deposit data from a kiosk over a network; process involves applying the risk factors to the deposit data.Action corresponding to a severity if one of the risk factors is detected. Frip: Please, no more severities! I promise to do better!Predictive Model for Use in Providing an Equity Release Financial Product; US 8,131,637 B1; March 6, 2012; Class 705/38; 10 claims; assigned to Bank of America Corporation.Representative loans, each loan being characterized by a borrower type and a mortality table; joint interest rate and house price scenarios; process involves measuring profitability metrics for equity release (reverse mortgage) products.Aggregated profitability metrics for equity release products. Frip: You are just a bit in the financial systems software of uncertainty.System and Method for Assessing Operational Risk Employing Market-Based Information Processing; US 8,131,638 B2; March 6, 2012; Class 705/38; 19 claims; assigned to IBM.Defined participant set that includes multiple members; initial risk sources; process involves assigning risk certificates for each of the initial risk sources to each of the members of the participant set, and trading the risk certificates among the members to establish market prices.Market prices that correspond to a level of risk associated with each of the initial risk sources. Frip: You been kinda quiet for awhile.Method and Apparatus for Estimating the Spend Capacity of Consumers; US 8,131,639 B2; March 6, 2012; Class 705/38; 20 claims; assigned to American Express Travel Related Services, Inc.Time series consumer spending data; point-in-time balance information; internal customer financial data; consumer panel information.Consumer purchasing ability. Frip: American Express is really into spend capacity, size of wallet, and all that stuff. March 13, 2012 Total 705 Class patents issued: 58 Data In-Data Out patents: at the very least, 8 PATENTDATA INDATA OUTOnline Method and System for Fulfilling Needs Resulting from Property and Other Similar Losses; US 8,135,599 B2; March 13, 2012; Class 705/4; 31 claims; assigned to Hartford Fire Insurance Company.Insurance claim inputs from any number of sources; invention functions as an online claim report hub.Services to consumers, insurers and other related commercial interests. Frip: Interesting thing about this patent is that, at first glance, the abstract, claim 1, field of invention, and summary of invention are describing different things.Application Risk and Control Assessment Tool; US 8,135,605 B2; March 13, 2012; Class 705/7.28; 31 claims; assigned to Bank of America Corporation.Information about the risks and controls associated with objects of study such as various portfolios of software applications used by an organization.Risk scores, control scores, and other stuff. Frip: Hey, BofA, did you guys run one of these studies before you bought Countrywide?System and Method for Change Management and Transaction Versioning; US, 8,135,633 B1; March 13, 2012; Class 705/30; 15 claims; assigned to Intuit Inc.Information in an accounting system; request to modify a transaction of a closed accounting period; system in general allows post-closing modifications of financial records, books, statements, reports, and what all.If warranted, a changed version of the transaction according to the modify request, and other stuff. Frip: Back in the pre-computer days, when the books were closed, the books were closed.System and Method for Automatic Payment of Financial Obligations; US 8,135,634 B2; March 13, 2012; Class 705/31; 21 claims; assigned to Dynatax Solutions, Inc.Financial information from a customer regarding a financial obligation such as an estimated tax payment due to a taxing authority and a date by which the estimated tax or other payment of a financial obligation is due; process involves periodically impounding funds from an account held by the customer.Timely payment of obligations. Frip: Anything to help folks pay their taxes (unless you are of the political persuasion that taxes are immoral).Summarizing Risk Ratings to Facilitate an Analysis of Risks; US 8,135,638 B2; March 13, 2012; Class 705/35; 4 claims; assigned to IBM.Information on business functions and associated risks; process involves categorizing, sub-categorizing, weighting, questionnaires, and stuff.Summarized risk rating. Frip: Big Blue, making things difficult.Time Market Grid Interface; US 8,135,639 B2; March 13, 2012; Class 705/35; 14 claims; assigned to Trading Technologies International, Inc.Command to initiate placement of a timed trade order.On a graphic interface, an indicator dynamically moving over time relative to a time axis, the movement indicating a time until the order will be automatically sent to a computerized matching process. Frip: But I changed my mind! How do I stop this thing?!System and Method for Trading Multiple Tradeable Objects Using a Single Trading Interface; US 8,135,641 B2; March 13, 2012; Class 705/37; 20 claims; assigned to Trading Technologies International, Inc.Market and trading information.Display of information related to tradeable objects using a single graphical interface, one example graphical interface including at least two screen regions displayed in relation to each other, with each region including multiple locations, each location in the first screen region corresponding to a value along a first value axis, and each location in the second screen region corresponding to a value along a second value axis. Frip: The great thing about graphical display patents is that the possible number of inventions is infinite.Consumer Authentication System and Method; US 8,135,647 B2; March 13, 2012; Class 705/67; 16 claims; assigned to Visa U.S.A. Inc.Authorization request message associated with a consumer conducting a transaction with a portable consumer device; process involves sending a dynamic or semi-dynamic challenge message to the consumer, receiving a challenge response message from the consumer, and sending an authorization response message to the consumer. Message indicating whether or not the transaction is authorized. Frip: Guess Mastercard will be paying licensing fees to Visa. March 20, 2012 Total 705 Class patents issued: 100 Data In-Data Out patents: at the very least, 11 PATENTDATA INDATA OUTSystem and Method for Determining an Objective Driver Score; US 8,140,359 B2; March 20, 2012; Class 705/4; 20 claims; assigned to F3M3 Companies, Inc.Drivers personal history; risk assessment factors; results of monitoring the drivers operation of a vehicle, the monitoring being accomplished with a monitoring unit in the vehicle; process involves deriving a weighted driver risk assessment score.Driver score based on the aggregate of the individual weighted scores derived from the risk assessment factors and the driver's risk assessment record. Frip: Computer say you verily bad driver. Insurance cost you a whole bunch.System for Processing Insurance Coverage Requests; US 8,140,360 B2; March 20, 2012; Class 705/4; 16 claims; assigned to IBM.Insurance coverage requests.Processed request and storage thereof. Frip: Big Blue, processing data and keeping records.Tax Return Evaluation System; US 8,140,413 B2; March 20, 2012; Class 705/31; 20 claims; assigned to Accenture Global Services Limited (Irelant).Tax returns; profiles in a database; process involves determining a score for a tax return from the comparing of data fields from the tax return to at least one stored profile, and determining whether the tax return falls within a trend.An evaluation of the tax return, the evaluation including an indication of the tax returns potential to be a fraudulent tax return. Frip: And if the tax return is potentially fraudulent, so is the filer of the tax return. Gotcha!Automated Global Risk Management; US 8,140,415 B2; March 20, 2012; Class 705/35; 25 claims; assigned to Goldman Sachs & Co.Legal and reputational risk information related to a proposed financial transaction; process involves generating a structured history, calculating a risk quotient, determining suitability, and suggesting appropriate actions.A report. Frip: A patent on producing a report. Really.Algorithmic Trading System and Method; US 8,140,416 B2; March 20, 2012; Class 705/35; 14 claims; assigned to ITG Software Solutions, Inc.Displayed market data for a tradable asset; process includes calculating (1) a probability of a hidden order for a tradable asset as a function of the measured effective spread, the mid-quote volatility, additions between best bid and ask, and additions less cancellations, (2) a hidden order volume between the best bid and ask, and (3) a hidden order price.An order book for the tradable asset that includes displayed order volume and hidden order volume based on the results of the calculating steps. Frip: Hidden Order? Sounds nefarious. Automatically Determining a Current Value for a Home; US 8,140,421 B1; March 20, 2012; Class 705/36; 17 claims; assigned to Zillow, Inc.Attributes of a home; information about sales of other homes; process involves sub-models and weightings to obtain an overall valuation for the home.Report on the valuation of the home. Frip: Another tool for real estate agents, as if they need it.Controlling an Order Slicer for Trading a Financial Instrument; US 8,140,423 B2; March 20, 2012; Class 705/37; 41 claims; assigned to NYFIX, Inc.Order to trade a financial instrument; process involves controlling an order slicer for varying or replacing a trading strategy in response to changing market conditions, customer requirements, or other factors, an order slicer being a system that implements computer algorithms for deconstructing orders into smaller sub-orders and sending these sub-orders into the market. Market orders, sub-orders, or whatever. Frip: The word slicer is a little intimidating.Method and System for Generating and Trading Derivative Investment Instruments Based on a Volatility Arbitrage Benchmark Index; US 8,140,425 B2; March 20, 2012; Class 705/37; 3 claims; assigned to Chicago Board Options Exchange, Incorporated.Closing prices of an underlying instrument, such as a derivative investment instrument.Volatility arbitrage benchmark value. Frip: Volatility arbitrage. Sounds like gibberish from a marriage counselor.Systems, Methods and Computer Program Products for Adaptive Transaction Cost Estimation; US 8,140,427 B2; March 20, 2012; Class 705/37; 20 claims; assigned to ITG Software Solutions, Inc. Real-time data regarding changes in market conditions; user-defined modeling constraints; other stuff.Potential trade imbalance for an upcoming period, optimum trading strategy, and transaction cost estimate. Frip: A patent on optimization. Always a winner.System and Method for Graphically Displaying Market Related Data Using Fixed Size Bars; US 8,140,428 B2; March 20, 2012; Class 705/37; 30 claims; assigned to Trading Technologies International Inc.Real-time market updates. Graphical display of market related data, such as traded volume at each price level, or any other trader-selected values, using one or more fixed size bars that may be color-coded and other stuff. Frip: A patent on color-coded bars in a graphic display. Groovy, or as the kids would say, cool.Dynamic Financial Liability Management; US 8,140,431 B1; March 20, 2012; Class 705/39; 20 claims; assigned to MoneyAbility Technology, LLC.Client liabilities and credit information.Graphical and numeric financial outcome for the household client, which may be automatically loaded into a comprehensive bill payment system. Frip: What every pensioner needs. March 27, 2012 Total 705 Class patents issued: 80 Data In-Data Out patents: at the very least, 9 PATENTDATA INDATA OUTCommercial Insurance Scoring System and Method; US 8,145,507 B2; March 27, 2012; Class 705/4; 26 claims; assigned to Deloitte Development LLC.Policyholder data including premium and loss data; external business level data and household demographics data, the external data having variables to be used in predicting the profitability of an insurance policy.Profitability prediction for a commercial insurance policy. Frip: You always lose when they compare you to the norm. Accept it.System and Method for Offering Risk-Based Interest Rates in a Credit Instrument; US 8,145,549 B2; March 27, 2012; Class 705/35; 4 claims; assigned to JPMorgan Chase Bank, N.A.Credit history data; process involves reviewing data and interest rates, making an offer about account terms, receiving response, selecting interest rate based on the offerees credit risk score, and providing credit instrument.Credit instrument tailored to and accepted by the offeree. Frip: Such personal service. Makes you feel all warm and fuzzy.Field 55 Data Relationships; US 8,145,550 B2; March 27, 2012; Class 705/35; 20 claims; assigned to Visa U.S.A. Inc.Financial transaction data; determining an issuer associated with the financial transaction data; querying a subscription database for subscription data associated with the issuer, querying a core database for processing parameters associated with the issuer, applying the processing parameters to the financial transaction data and the subscription data; and updating a customer exclusive data association database with the financial transaction data.Updated customer data base that can be used by the issuer for promotions and stuff. Frip: The real pointpromotion offers.System and Method for Computer Implemented Collateral Management; US 8,145,552 B2; March 27, 2012; Class 705/36R; 28 claims; assigned to The Bank of New York Mellon.User-definable rule sets relating to a desired trade; process involves searching for accounts that could accept potentially eligible security positions and determining an eligibility of the potentially eligible security positions as collateral for a trade by applying an algorithm.Collateral eligibility or ineligibility indication Frip: The ol applying-an-algorithm patent.Flexible System and Method for Electronic Trading; US 8,145,553 B2; March 12, 2012; Class 705/36R; 24 claims; assigned to Trading Technologies International Inc.Market data associated with a tradeable object, the market data including quantity information in a flow-based unit; process involves converting the quantity information in the flow-based unit to quantity information in a contract-based unit, displaying the converted quantity information on a trading screen, and receiving a message to initiate placement of an order to buy or sell, the message including an order quantity parameter in the contract-based unit.Message to buy or sell the tradeable object, the message including the converted order quantity parameter in the flow-based unit. Frip: Flow-based, quantity-based, no chance of confusion here.System and Method for Analyzing and Displaying Security Trade Transactions; US 8,145,558 B2; March 12, 2012; Class 705/37; 15 claims; assigned to Trading Technologies International Inc.Security exchange trading information that includes the price, volume, and time of each trade; security exchange market information from buyers, specifying bide prices and quantities, and from sellers, specifying asking prices and quantities.Continuously updated real-time chart depicting the exchange auction process whereby buyers and sellers agree to trade at specified prices, including details of individual transactions, the chart being formed by plotting each trade at the price traded, and for each plot point showing a distinctive icon indication whether the transaction was initiated by a buyer or seller. Frip: TTI really, really loves this graphic display stuff.Detecting Fraudulent Activity on a Network; US 8,145,560 B2; March 27, 2012; Class 705/38; 19 claims; assigned to FMR LLC.User requests that are split between data centers for processing, the requests being captured and unified in a user session; process involves analyzing the user session for fraud detection, marketing analysis, network intrusion detection, customer service analysis, and performance analysis. If fraudulent activity detected, interdiction of the user to prevent further fraudulent activity. Frip: As a former Alaska Governor would say, Gotcha!Systems and Methods for Supporting Extended Pay Date Options on an Insurance Policy; US 8,145,564 B1; March 27, 2012; Class 705/38; 21 claims; assigned to USAA.Customer-specified day of a month and/or a request for bimonthly withdrawals; process involves analyzing against data associated with the insurance policies to determine whether the day is disallowed.Decision on request. Frip: Computer say you pay now!Method and System for Notifying Customers of Transaction Opportunities; US 8,145,566 B1; March 27, 2012; Class 705/39; 16 claims; assigned to Citicorp Development Center, Inc.High-risk transaction request associated with a customer; process involves determining the status of the customer as being either enrolled in a notification system or not enrolled in a notification system, and if enrolled, ascertaining the customer's preferred method of notification, formulating an alert message including a transaction code, and sending the alert message to the customer via the preferred method, and more.Notifications to customer. Frip: Betcha the process requires more passwords to remember. April 3, 2012 Total 705 Class patents issued: 79 Data In-Data Out patents: at the very least, 13 PATENTDATA INDATA OUTFlexible Varying Premium Option for Combination Products Including Long Term Care Insurance; US 8,150,715 B1; April 3, 2012; Class 705/4; 14 claims; assigned to Strategic Health Management Corporation.Variables, comprising at least an issue age, a targeted present value, and a year-to-year premium relationship; process variables; process involves calculating a set of benefits and a corresponding charge schedule.Combination long term care product that couples the calculated set of benefits and the calculated charge schedule with a life insurance program or an annuity. Frip: Quick. Process, machine, manufacture, or composition of matter?Revenue Assurance Analytics; US 8,150,744 B2; April 3, 2012; Class 705/30; 19 claims; assigned to Fair Isaac Corporation.Multiple data feeds where each data feed contains the same logical component of the service activity; process involves detecting revenue assurance issues in the service activity based on one or more common linking keys between disparate records related to the logical component.Detected revenue assurance issues. Frip: Revenue Assurance Analytics. Exemplary consultant jargon.Global Account Reconciliation Tool; US 8,150,746 B2; April 3, 2012; Class 705/30; 20 claims; assigned to American Express Travel Related Services Company, Inc.Transaction and account data from various sources within an organization; reconciling the remote financial data with standardized templates and customized templates.Master financial data. Frip: Patent on reconciliation process. Would that pass Mayo v. Prometheus (henceforth MvP)?Systems and Methods for Dynamic Configuration of Software Agents for Transfer Operations; US 8,150,748 B1; April 3, 2012; Class 705/35; 16 claims; assigned to USAA.Funds transfer transaction request, the request including multiple payment sources wherein funds from each payment source are used in the funds transfer transaction request; process involves retrieving multiple software objects to do stuff.Performance of the fund transfer. Frip: Lotsa software involved here. Any software per se?Systems and Methods for General Aggregation of Characteristics and Key Figures; US 8,150,749 B2; April 3, 2012; Class 705/35; 20 claims; assigned to SAP AG (Germany).Unsorted mass data; process involves the automated generic and parallel aggregation of characteristics and key figures of unsorted mass data being of specific economic interest, particularly associated with financial institutions, and with financial affairs in banking practice.Apparently some sort of sorted data. Frip: Classic data in-data out?Computerized Financial Information Retrieval by Dynamic URL Construction; US 8,150,752 B2; April 3, 2012; Class 705/35.; 19 claims.Real-time financial information about financial instruments; users indication, through an interactive graphic display, of interest in a particular element; process involves constructing a uniform resource locator (URL) that combines a first financial instrument-independent URL portion that is specific to a preferred remote data source and a second financial instrument-specific URL portion that is specific to the chosen financial instrument.Additional information, displayed on the display screen, for the chosen financial instrument. Frip: Nothing abstract here.Computer System and Method for Determining Optimal Asset Allocation; US 8,150,755 B2; April 3, 2012; Class 705/36R; 20 claims; assigned to Hartford Fire Insurance Company.Target payout, the target date, and a nominal rate of contributions to an investment portfolio; process involves calculating multiple simulated investment outcomes based on assumed investment return rates and assumed inflation rates, which are randomly selected in multi-year clusters from historical data.Asset allocation for an investment portfolio. Frip: You put some data in, you get some data out.System and Method for Analyzing and Displaying Security Trade Transactions; US 8,150,760 B2; April 3, 2012; Class 705/37; 16 claims; assigned to Trading Technologies International, Inc.Trading information that includes the price, volume, and time of each trade; bid prices and quantities from buyers; asking prices and quantities from sellers.Display of a continuously updated real-time chart depicting the exchange auction process whereby buyers and sellers agree to trade at specified prices, including details of individual transactions, the chart being formed by plotting each trade at the price traded, and for each plot point showing a distinctive icon indication whether the transaction was initiated by a buyer or seller. Frip: Ho hum. Another data display patent.System and Method for Analyzing and Displaying Security Trade Transactions; US 8,150,761 B2; April 3, 2012; Class 705/37; 20 claims; assigned to Trading Technologies International, Inc.Trading information that includes the price, volume, and time of each trade; bid prices and quantities from buyers; asking prices and quantities from sellers.Display of a continuously updated real-time chart depicting the exchange auction process whereby buyers and sellers agree to trade at specified prices, including details of individual transactions, the chart being formed by plotting each trade at the price traded, and for each plot point showing a distinctive icon indication whether the transaction was initiated by a buyer or seller. Frip: If you think this was the same patent as the previous, you be wrong. The previous had 16 claims; this one has 20. So there.System and Method for Providing Credit; US 8,150,762 B1; April 3, 2012; Class 705/38; 18 claims; assigned to USAA.Credit request from an applicant; process involves determining immediately whether or not credit will be provided to the applicant.If request is approved, provision of immediately usable general use credit account. Frip: Yeah! Free credit!Systems and Methods for Credit Management Risk Rating and Approval; US 8,150,765 B1; April 3, 2012; Class 705/38; 16 claims; assigned to The PNC Financial Services Group, Inc.Answers to qualitative questions posed to a borrower, at least some of the questions being based on the entity type of the borrower; process involves calculating a probability of default rating of the borrower and a loss given default rating for the borrower, and integrating them with other information relating to the credit offering.Credit memorandum that is a recommendation associated with the evaluation of the credit offering. Frip: Computer say no credit for you!System and Method for Reordering Checks; US 8,150,770 B1; April 3, 2012; Class 705/45; 21 claims; assigned to The PNC Financial Services Group, Inc.After ordering a first quantity of checks for a customer, tracking usage of the first quantity of checks. Order for a second quantity of checks for the customer when a predetermined quantity of the first quantity of checks has been processed. Frip: Eureka! Dont you wish youd thought of that.Automatic Check Reordering; US 8,150,771 B1; April 3, 2012; Class 705/45; 21 claims; assigned to The PNC Financial Services Group, Inc.Check usage data; process may involve determining a check usage rate, which may be proportional to a number of checks written on the account per unit time, or determining a time-to-exhaustion of existing checks, or other stuff.Order for new checks. Frip: Another Eureka! Wait. Whats the diff between this and the previous patent? April 10, 2012 Total 705 Class patents issued: 79 Data In-Data Out patents: at the very least, 12 PATENTDATA INDATA OUTSystem and Method Using Insurance for Risk Transference; US 8,155,985 B2; April 10, 2012; Class 705/4; 24 claims; assigned to Karson Management Ltd. (Bermuda).Data representing an asset belonging to the first party, the data including a market value of the asset and principal payments of the asset; term date for the program; process involves generating an economic value of the asset based on the data representing the asset, calculating some stuff, determining aggregate principal payments (APP) of the asset as of the term date, and calculating some more stuff.Display of the claim amount. Frip: Alright! Risk transference successful!Method and System for Providing Price Protection for Commodity Purchasing through Price Protection Contracts; US 8,156,022; April 10, 2012; Class 705/35; 46 claims; assigned to Pricelock, Inc.Data regarding desired price protection from each consumer in a plurality of consumers accessing an interface provided by the price protection system computer, the data for each consumer including information about past commodity consumption for that consumer, a time period for price protection, a locale, and a desired level of price protection; other data; process includes use of a price protection matrix.Price protection contract. Frip: A patent on crunching data.Systems and Methods for Directing Disposition of Certificate of Deposit; US 8,156,024 B1; April 10, 2012; Class 705/35; 21 claims; assigned to USAA.Depositor instructions for disposition of funds in a certificate of deposit (CD), the instructions being specified at or near the time the CD is applied for and being such things as transferring the funds to an account, paying a bill, donating the funds to charity, or rolling over the funds into a new CD.Performed instructions. Frip: Really, this is getting pretty far from a process, machine, manufacture, or composition of matter.Computer-Implemented Systems and Methods for Student Loan Application Processing; US 8,156,025 B1; April 10, 2012; Class 705/35; 27 claims; assigned to National City Bank.Responses to questions to a user that relate to applications for student loans, the responses being used to populate multiple different student loan applications.Multiple student loan applications. Frip: So, add a graphic interface to a long-existing process and get a patent.Fair-Value Pricing of a Financial Asset; US 8,156,027 B1; April 10, 2012; Class 705/35; 17 claims; assigned to Interactive Data Pricing and Reference Data, Inc.Historical price data for each security in an exchange traded fund; weight of each security in the fund; process includes regression analysis.Value of the exchange traded fund. Frip: Regression analysis? So last century.Technology Portfolio Health Assessment System and Method; US 8,156,028 B2; April 10, 2012; Class 705/35; 22 claims; assigned to American Express Travel Related Services Company, Inc.Inventory input specific to a portfolio's assets and components; process involves determining an infrastructure score based on the general health of asset components and an adaptability score based on asset components ability to interact with other elements within the asset.Health assessment scores for both individual portfolio assets and for the portfolio as a whole. Frip: Your portfolio be very sick.Diversification Measurement and Analysis System; US 8,156,030 B2; April 10, 2012; Class 705/36R; 11 claims; assigned to Gravity Investments LLC.A portfolio; process involves weighting each asset in the portfolio, defining relationships, modeling the portfolio in a geometric space by stretching a vector length associated with each of the assets in proportion to its concentration and contribution to the portfolio, determining a polytope based on the modeling step, and comparing the polytope to a symmetrical model to determine a diversification value.Diversification value. Frip: According to Microsoft Word, polytope is not a bona fide word.Method and System for Enhanced Distribution of Financial Instruments; US 8,156,034 B2; April 10, 2012; Class 705/37; 37 claims; assigned to Incapital Holdings LLC.Market data relevant to a proposed financial instrument; marketing data on at least one previous transaction of a previous financial instrument similar to the proposed financial instrument; initial financial parameter data relating to a proposed offering of the financial instrument; other stuff.Data defining a regulatory filing on the offering, the regulatory filing including data for submission to a securities regulation system. Frip: Patent Examiners are often persuaded by calling something Enhanced.Modeling Financial Instruments Using Bid and Ask Prices; US 8,156,035 B2; April 12, 2012; Class 705/37; 27 claims; assigned to Penson Worldwide, Inc.At least one series of historical bid prices or historical ask prices of a financial instrument; financial model type that has at least one variable parameter; process involves applying the historical bid or historical ask prices, or both, to the initialized financial model type to estimate the variable parameter or parameters.Predicted future values of the investment significant parameter or parameters of the financial instrument. Frip: Put some data from the past in, get some data about the future out.Methods and Systems Related to Trading Engines; US 8,156,036 B1; April 10, 2012; Class 705/37; 24 claims; assigned to Pipeline Financial Group, Inc.From a market participant, electronic data describing a trading order; trading algorithms; process involves evaluating the quality of execution, during the execution, of the trading order and if the quality of execution compares unfavorably to a threshold of acceptability, switching the execution of the trading order to another algorithm. Processed order. Frip: Call it an algorithm, get a patent.Regulating Order Entry in an Electronic Trading Environment to Maintain an Actual Cost for a Trading Strategy; US 8,156,037 B2; April 10, 2012; Class 705/37; 22 claims; assigned to Trading Technologies International Inc.Acceptable slop range for a trading strategy; desired strategy price for the trading strategy, the trading strategy including a first leg for a first tradeable object and a second leg for a second tradeable object.Effective spread price and order, the order being changeable if other stuff changes. Frip: Slops, legs, would TJ, the first patent examiner, go along with this? System and Method of Implementing Massive Early Termination of Long Term Financial Contracts; US 8,156,038 B2; April 10, 2012; Class 705/37; 6 claims; assigned to TriOptima AB (Sweden).Via the Internet, data describing multiple transactions from multiple banks; apparently some unexpected event.Premature termination or assignment of outstanding OTC derivative transactions between multiple financial institutions. Frip: Quick, its the Apocalypse!  April 17, 2012 Total 705 Class patents issued: 84 Data In-Data Out patents: at the very least, 16 PATENTDATA INDATA OUTSystem for Facilitating Life Settlement Transactions; US 8,160,902 B2; April 17, 2012; Class 705/4; 13 claims.Critical financial and medical underwriting information relating to in-force policies that policy owners might be willing to sell; process involves online auctions to obtain essentially the best price for each policy.Information on policies that might become the subject of online auctions. Frip: Bettin on someone elses death.System and Method for Determining a Premium for Insurance for a Security; US 8,160,903 B2; April 17, 2012; Class 705/4; 13 claims; assigned to SBH, Inc.Information related to a security to be insured; process involves combining an insurance risk premium and an expense and profit load to determine a total gross premium.Premium for an insurance policy for insuring a security against a change in value of the security. Frip: Insuring a security. Sorta like creating a financial instrument broth.Notification of Resources of Interest to Members of a Consumer Group; US 8,160,934 B2; Class 705/26.4; 21 claims; assigned to Visa U.S.A. Inc.Satisfaction of an announcement condition, the condition possibly concerning a transaction by a member of a consumer group; an announcement condition might be that a consumer is within a predetermined spatial zone.Announcement to announcement recipients. Frip: A model of clarity it aint.Interactive Account Management System and Method; US 8,160,941 B1; April 17, 2012; Class 705/30; 35 claims; assigned to JPMorgan Chase Bank, N.A.Stored account information and account holder input; the system being an interactive account management system operated in cooperation with a financial institution on behalf of multiple account holders and providing interactive processing components to permit collaborative interaction between the members of the account holder financial network, and other stuff.Display of financial guidance, and other stuff. Frip: Do the tangible components outnumber the intangible components?Billing Workflow System for Crediting Charges to Entities Creating Derivatives Exposure; US 8,160,942 B2; April 17, 2012; Class 705/34; 17 claims; assigned to JPMorgan Chase Bank.Credit valuation adjustment (CVA) amounts associated with derivatives trades; process involves an automated billing workflow system interacting with an Accounting System in order to make appropriate Profit and Loss entries for the CVA amounts. Allocation of charges related to derivatives trading to a business unit. Frip: Another derivatives patent. Didnt derivatives come within a hair of destroying Western Civilization?Systems and Methods to Process Transactions Based on Social Networking; US 8,160,943 B2; April 17, 2012; Class 705/35; 17 claims; assigned to Boku, Inc.Request from a first user via a social networking website of a social networking system to transfer funds from or to a second user; process involves various verifying steps.Transferred funds. Frip: If youre not part of the social networking explosion, youre pretty much nada.System and Method for Enhancing Financial Institution Revenues Through Acceleration of Debit Processing; US 8,160,945 B2; April 17, 2012; Class 705/35; 18 claims.Data on debit transaction processing; process includes mapping debit transaction processing, identifying processing intervals that can be reduced, and determining a revenue impact that can result from acceleration.Process for increased financial institution revenues. Frip: Hey consumers! Quit whining. Financial institutions are people too.System and Method for Processing Data Related to a Life Insurance Policy Having an Accelerated Death Benefit; US 8,160,946 B2; April 17, 2012; Class 705/35; 22 claims; assigned to Hartford Fire Insurance Company.Data indicative of certification that the insured is chronically ill.Data indicative of instructions to pay an owner of the life insurance product periodic payments, during the lifetime of the insured, each of which periodic payments reduces the death benefit amount. Frip: If the Ol Man dont croak soon, well get nothing.Methods and Systems for Identifying and Tracking Potential Property Rights in Software Products; US 8,160,947 B2; April 17, 2012; Class 705/36R; 63 claims; assigned to Adobe Systems Incorporated.Scanned files of a new software product for property rights, the scanning preferably being of the source code of the files to identify certain textual strings or of the file system information for the files; process involves establishing and reviewing auditing and licensing records. Various reports to allow the user to review relevant property rights diligence information and to take appropriate action in response. Frip: Actually, seems to be a useful idea. But is a patent the proper type of protection?Order Risk Management for Financial Product Processing; US 8,160,949 B2; April 17, 2012; Class 705/36R; 20 claims; assigned to Chicago Mercantile Exchange, Inc.Derivative product order risk data provided by traders to the exchange, the order risk data perhaps including maximum delta, gamma, of vega utilization valuesor all threefor derivative product contracts based on the same underlying product; process involves matching the trader's current utilization state and the utilization that would result after the trade.Execution of all or a portion of a trade. Frip: Delta, gamma, vega. If you know what this stuff is, you may be part of the problem.Method and Apparatus for Trading Assets; US 8,160,950 B2; April 17, 2012; Class 705/37; 63 claims; assigned to FX Alliance, LLCCustomer requirements; process involves automatically combining and organizing those requirements into a batch of orders according to a set of customer preferences.Display of the batch of orders to the customer, along with indicative or actual price quotes, such that the customer may select and process multiple orders and multiple requirements simultaneously, orders being priced and booked automatically. Frip: Computer say you buy now!System and Method for Managing Risk Associated with Product Transactions; US 8,160,953 B2; April 17, 2012; Class 705/37; 32 claims; assigned to Cantor Index, LLC.Request to place a first order to trade a first product, the request being made using an account having one or more current balances; process involves determining a risk value for the first order based at least in part on the first product, and determining whether to approve the first order based at least in part on the risk value determined for the first order and one or more of the current balances for the account.Placement of the first order. Frip: Put an order in, get an order out. That is, if your account is up-to-date.System and Method for Creating a Market Map in an Electronic Trading Environment; US 8,160,954 B2; April 17, 2012; Class 705/37; 22 claims; assigned to Trading Technologies International Inc.Market information and trader-related information associated with at least two tradable objects.Adjustable display of trader-related data in combination with market data related to tradable objects. Frip: TTI, leaving the competition behind. Insurance System and Method for a High-Risk Asset Purchaser or Lessee; US 8,160,956 B2; April 17, 2012; Class 705/38; 15 claims.Information about the creditworthiness of a purchaser or lessee; process includes establishing a finance contract for the lease or the purchase of a depreciating asset, and issuing an insurance policy for the benefit of the dealer based on a liability associated with being the guarantor.Finance contract with a payment having a value based on a cost of the purchase or the lease of the depreciating asset and a cost of the insurance policy. Frip: Mix insurance and an asset purchase, get a patent.Methods and Systems for Opening and Funding a Financial Account Online; US 8,160,957 B2; April 17, 2012; Class 705/38; 15 claims; assigned to Efunds Corporation.Request from and information about a potential account opener.At least one risk score that impacts a decision regarding the account application and a determination about possible funding constraints. Frip: You can open an account but youre too much of a risk to do anything other than give us your money.System and Method for Rapid Updating of Credit Information; US 8,160,960 B1; April 17, 2012; Class 705/39; 17 claims; assigned to JPMorgan Chase Bank, N.A.Daily data set relating to the creditworthiness of the account holder; daily data set relating to transaction activity of the credit account; periodic data set relating to the creditworthiness of the account holder; periodic data set relating to the historical activity of the credit account.Measure of creditworthiness. Frip: Sorry, your daily data sets did not arrive. Your creditworthiness is nada. April 24, 2012 Total 705 Class patents issued: 79 Data In-Data Out patents: at the very least, 13 PATENTDATA INDATA OUTMethods and Systems for Portfolio Investment Thesis Based on Application Life Cycles; US 8,165,912 B2; April 24, 2012; Class 705/7.36; 12 claims; assigned to Ciena Corporation. Information related to an application associated with a telecommunication or data communication product or service; process involves generating matrices associated with phases of an application life cycle, and other stuff.A score of some kind that shows the present point of the application within the application life cycle. Frip: He shoots! He scores! Yes.Enhancement of Network Accounting Records; US 8,165,932 B2; April 24, 2012; Class 705/30; 140 claims; assigned to Amdoes (Israel) Ltd. (Israel).A first network accounting record from a first source; process involves correlating the first network accounting record with accounting information available from a second source.Enhanced first network accounting record. Frip: Patent on enhancing data; in 140 claims.Systems, Methods, and Computer Program Products for Performing Item Level Transaction Processing; US 8,165,933 B2; April 24, 2012; Class 705/30; 37 claims; assigned to Bank of America Corporation.Transactions in batch format; process involves storing and analyzing the transactions separately.Clearance of individual transactions. Frip: Batch processing fini?System and Method for Managing Information Related to Securities and Securities Issuers; US 8,165,937 B1; April 24, 2012; Class 705/35; 26 claims; assigned to Digital Assurance Certification L.L.C.Data on a money market fund, its users, and other stuff. Information meeting the requirements of SEC Rule 2a-7. Frip: 2a-7, eh? Thats a toughie.Prepaid Card Fraud and Risk Management; US 8,165,938 B2; April 24, 2012; Class 705/35; 28 claims; assigned to Visa U.S.A. Inc.Parameters, limits, values, thresholds, rules.Determination of whether to issue a prepaid device, and confirmation of cases of fraud associated with prepaid devices. Frip: Steal just a little at a time and youll probably be OK.Non-Credit Account Credit Rating; US 8,165,940 B2; April 24, 2012; Class 705/35; 27 claims; assigned to Visa U.S.A. Inc.Non-credit transactions of a consumer.Credit rating for the consumer. Frip: But what if the consumer does non-credit transactions precisely to avoid credit ratings?System and Method for Calculating a Financial Market Index; US 8,165,942 B1; April 24, 2012; Class 705/35; 20 claims; assigned to Morgan Stanley.Market data comprising interest rate data and swap rate data; process involves determining a leverage factor that is in turn determined by a change in an economic indicator during a time period.Index value based on a long position in a first municipal bond swap index and a short position in a second interest rate swap index and based on the market data, wherein the long position is leveraged against the short position based on the leverage level. Frip: Head hurt.Transaction Velocity Counting for Fraud Detection; US 8,165,945 B2; April 24, 2012; Class 705/35; 36 claims; assigned to Visa International Service Association.Transaction data for a designated time period; process involves velocity counts for particular characteristics, and the identification of anomalies.Fraud determination using the identified anomalies. Frip: Fraud? Who, me? Does this face really look like it belongs to a fraud-inclined individual?Customized Financial Transaction Pricing; US 8,165,946 B2; April 24, 2012; Class 705/35; 21 claims; assigned to American Express Travel Related Services Company, Inc.Financial transaction data from a merchant; process involves using granular transaction data from individual transaction data, aggregate transaction data, transaction history, customer data, merchant data, and product data to calculate customized merchant fees.Complex merchant transaction pricing rules Frip: Transparency? Never heard of it.System for Selecting and Purchasing Assets and Maintaining an Investment Portfolio; US 8,165,948 B2; April 24, 2012; Class 705/36R; 22 claims; assigned to The Globe Resources Group, Inc.Received through an interactive process, information on an investor, a portion of the information being from investor responses concerning risk tolerance.Automated allocation advice that includes recommended investment percentages for asset classes, list of investments for an investment portfolio, automated electronic execution of transactions, portfolio rebalancing, and other stuff. Frip: Meet Hal the Computer. Your financial future is now in his hands. Only dont ask him to open the pod bay doors.Block Trading System and Method Providing Price Improvement to Aggressive Orders; US 8,165,954 B2; April 24, 2012; Class 705/37; 13 claims; assigned to Pipeline Financial Group, Inc.Two or more matching orders from the traders in an electronic trading system; process involves delaying for a random period of time execution of the matching orders by a value in a range selected by a first processor in accordance with the risk profile of a trader who placed one of the matching orders, a purpose being to prevent gaming of the system.Execution with a second processor the matching orders immediately upon expiration of the random period of time, wherein the first and second processors may be the same processor or different processors. Frip: What!? Some traders actually game the system? Im shocked, shocked.System and Method for A Trading Interface Incorporating a Chart; US 8,165,957 B2; April 24, 2012; Class 705/37; 21 claims; assigned to Trading Technologies International, Inc. Market information; historical market data; trade orders.Display of a chart region aligned with a market grid region, the chart region having a first value axis with a first plurality of values and a time axis, the market grid region having a second plurality of values along a second value axis, and display of a first working order indicator representing price. Frip: I guess all the possible graphic displays of market activity have yet to be patented.System and Method for Financial Instrument Pre-Qualification and Offering; US 8,165,962 B1; April 24, 2012; Class 704/44; 25 claims; assigned to JPMorgan Chase Bank, N.A. Consumer pre-qualifications stored in one or more databases; consumer inquiry about financial instruments.Offer of a financial instrument if consumer is determined to be qualified. Frip: Thats what we all are, digits in a database. May 1, 2012 Total 705 Class patents issued: 75 Data In-Data Out patents: at the very least, 18 PATENTDATA INDATA OUTSystem and Method for Establishing Rates for an Automobile Insurance Policy; US 8,170,892 B1; May 1, 2012; Class 705/4; 27 claims; assigned to USAA.Household driving record; information on a stability gradient; operator driving record; other stuff. Automobile insurance rates. Frip: Lets see, four DUIs. That dont put you very high on the stability gradient.System and Method for Probate Prediction; US 8,170,895 B1; May 1, 2012; Class 705/7.11; 20 claims; assigned to Forte LLC.Comprehensive set of credit-related variables; comprehensive set of demographic related variables; individual characteristic variables for deceased debtor; process involves creating a model relating the variables and the likelihood a deceased debtor will have an estate. Prediction of whether or not an estate exists for a deceased debtor. Frip: Theyll follow you to the grave.Method and System for Providing a Customized Start-Up Budget for a New Business; US 8,170,933 B1; May 1, 2012; Class 705/30; 36 claims; assigned to Intuit Inc.Actual business start-up data associated with one or more actual businesses; data associated with a proposed business.Customized start-up budget. Frip: Whats a budget, anyway? Just guidelines like the pirates code, right?Systems and Methods for Trading Actively Managed Funds; US 8,170,934 B2; May 1, 2012; Class 705/35; 5 claims; assigned to NYSE Amex LLC.Set of risk factors from a risk factor model; set of exchange traded fund sensitivity coefficients; process involves creating a proxy portfolio that does not reveal the assets of the exchange traded fund and has substantially the same sensitivity coefficients as the exchange traded fund.Estimated value of the exchange traded fund periodically displayed throughout a trading day. Frip: A patent on avoiding transparency.Systems and Methods for Evaluating the Integrity of a Model Portfolio of a Financial Instrument; US 8,170,935 B2; May 1, 2012; Class 705/35; 16 claims; assigned to NYSE Amex LLC.Data leading to a model portfolio designed to have substantially the same values, returns, or risk characteristics as an exchange traded fund (ETF).Public disclosure of the results of a statistical comparison with the ETF periodically throughout a trading day, the results being used by a trader to price or hedge an investment in the ETF, where the identities of the assets of the ETF are not publicly disclosed on a daily basis to traders who price or hedge investments in the ETF on a secondary market. Frip: More secrecy, and patents thereon.Using Commercial Share of Wallet to Rate Business Prospects; US 8,170,038 B2; May 12, 2012; Class 705/35; 20 claims; assigned to American Express Travel Related Services Company, Inc.Company financial data; model of industrial spending patterns.Estimate of a commercial size of spending wallet of the company. Frip: Amex likes the commercial size of spending wallet concept. Really likes it.Method and System for Building and Maintenance Watch Lists; US 8,170,939 B2; May 12, 2012; Class 705/36R; 14 claims; assigned to Charles Schwab & Co.Real-time information on securities; process involves eliminating separate watch lists by creating and maintaining a pool of items being watched.Lists of and information about securities, and stuff. Frip: Watchin and waitin for the Big Kuhuna.System and Method for the Automated Brokerage of Financial Instruments; US 8,170,940 B2; May 12, 2012; Class 705/36R; 31 claims; assigned to Scottrade, Inc.Activity requests from a user; customer account data; other stuff.Refreshed customer account data, and other stuff. Frip: Lotsa talk about a financial instrument brokerage system with a front end layer, an intermediate layer, and a backend layer.System and Method for Generating Random Vectors for Estimating Portfolio Risk; US 8,170,941 B2; May 12, 2012; Class 705/36R; 16 claims; assigned to FinAnalytica, Inc.Historical financial data; process involves estimating parameters of a copula comprising an empirical sub-copula and a parametric sub-copula, multivariate distribution, and serious equations.Random vectors for estimating portfolio risk. Frip: You can never have too many copulas.Automated Investment Alerts from Multiple Data Sources; US 8,170,942 B2; May 12, 2012; Class 705/36R; 20 claims; assigned to Microsoft Corporation.Information relating to different types of investments, the information being extracted from multiple data feeds; alert rules corresponding to predefined conditions; inquiry from an investor.Graphic display of investment alerts, and other stuff. Frip: Move aside folks, a 400-pound gorilla is gettin into the investment game.Systems and Methods for Generating a Metric of Financial Status Relative to a Financial Goal; US 8,170,943 B2; May 12, 2012; Class 705/36R; 8 claims.Entity data comprising a value of the entity's current and projected assets and resources, a value of the entity's actual savings, a future date, and a desired income of the entity on the future date; process involves calculating a present value of actual capital and a present value of actual annual savings, adding the present value of the actual capital to the present value of the actual annual savings, and dividing the result by the present value of required capital to calculate a score.The score, which is a single number that represents the entity's financial status relative to achieving financial independence by the future date. Frip: Computer say your score is negative.Customized Performance Benchmarks for Stable Value Funds; US 8,170,944 B1; May 1, 2012; Class 705/36R; 15 claims; assigned to Dwight Asset Management Company LLC.Credit rate calculations; cash flow adjustments; underlying asset portfolio returns.Customized performance benchmark for a stable value fund. Frip: Customized benchmark, objective benchmark, make no difference. Your stable value fund not stable.System and Method for Providing Security to a Game Controller Device for Electronic Trading; US 8,170,945 B2; May 1, 2012; Class 705/37; 25 claims; assigned to BGC Partners, Inc.Controller signal relationships that associate game controller signals with trading system commands associated with the electronic trading of financial instruments; game controller signals generated by a game controller; process involves determining if the game controller signals are erroneous. Command to lock and disable the errant game controller. Frip: But trading is not supposed to be a game, it it?Fraud Detection Based on Call Attempt Velocity of Terminating Number; US 8,170,947 B2; May 1, 2012; Class 705/37; 20 claims; assigned to Verizon Business Global LLC.Data related to a current call placed from an originating automatic number indicator (ANI) to a terminating ANI, where the received data includes the terminating ANI and a billing number used to place the call; billing numbers for prior calls to the terminating ANI; process involves determining whether the number of billing numbers used for the current and prior calls to the terminating ANI over a prior period of time meet a threshold. Fraud alert if threshold is met. Frip: How about if the fraud alert is followed by a drone strike on the offending ANI?Products and Processes for Order Distribution; US 8,170,949 B2; May 1, 2012; Class 705/37; 28 claims; assigned to BGC Partners, Inc.Trading order for a financial instrument; indication of a rate at which orders for the side of the trade for the financial instrument are expected to be fulfilled by at least one exchange; other stuff.Distribution of orders to financial exchanges. Frip: Divvying up business. System and Method for Automated Order Entry on Short Queues; US 8,170,950 B1; May 1, 2012; Class 705/37; 20 claims; assigned to Trading Technologies International, Inc.Trading orders; order queues in relation to prices; process involves comparing the length of the queue to a threshold value that represents a combination of at least a particular quantity value and a particular number of orders value. Determination of whether to transmit an order message to the electronic exchange depending on comparison of a length of a queue in a market to the threshold value. Frip: My queues longer than your queue.System and Method for Providing Instant-Decision, Financial Network-Based Payment Cards; US 8,170,952 B2; May 1, 2012; Class 705/38; 20 claims; assigned to JPMorgan Chase Bank.Application for a credit card through the entry of data into a data entry system using a handheld electronic device; personal data and financial information associated with the applicant.Decision on whether to issue the credit card, and issuance thereof. Frip: OK, you got your card, now spend like there aint no tomorrow.Systems and Methods for Screening Payment Transactions; US 8,170,953 B1; May 1, 2012; Class 705/39; 15 claims; assigned to Visa International Services Asssociation.Information about a set of attributes associated with a sending entity as part of a money transfer transaction from a sending financial institution; information about a set of attributes associated with the receiving entity; information from an attribute database.Risk score and validation code. Frip: Patent on anti-money laundry screening. Money laundering was described in the movie Office Space. May 8, 2012 Total 705 Class patents issued: 92 Data In-Data Out patents: at the very least, 16 PATENTDATA INDATA OUTScore Based Decisioning; US 8,175,897 B2; May 8, 2012; Class 705/4; 19 claims; assigned to Fair Isaac Corporation.Initial and additional data from a user on the Internet seeking to interact with an entity such as a merchant; Entity-approved pre-determined thresholds.Determination by the entity of whether to proceed with the interaction or to terminate it because of a high probability of a fraud situation. Frip: You cant even tricky a merchant anymore.Life Insurance Strategic Value; US 8,175,900 B2; May 8, 2012; Class 705/4; 14 claims; assigned to The Trustee and Successor Trustees of RGD 2006 Trust.Death benefit value of a life insurance policy, a cash surrender value of the policy, a mortality probability for an insured subject of the policy, and a projected investment return on a reinvestment of the death benefit value, at each of a number of particular future points in time.Strategic value of a life insurance strategy at a future point in time. Frip: Lifes a b___h, they you die.Systems and Methods for Constructing and Utilizing a Merchant Database Derived from Customer Purchase Transaction Data; US 8,175,908 B1; May 8, 2012; Class 705/7.29; 33 claims; assigned to JPMorgan Chase Bank, N.A.Transaction purchase information, customer demographics information, and merchant information.Interrelationship information among transaction purchase information, customer profiles, and merchant profiles. Frip: Soon, theyll know what youre going to do before you do.Systems, Methods and Computer Programs for Financial Data Evaluation; US 8,175,937 B2; May 8, 2012; Class 705/30; 11 claims; assigned to SAP AG (Germany).Data sets of financial data; financial evaluation rules.Manipulated and evaluated data sets. Frip: A patent on data per se?Method and System for Developing and Applying Market Data Scenarios; US 8,175,941 B2; May 8, 2012; Class 705/35; 21 claims; assigned to Codestreet, LLC.Stream of market data containing values of market items from a market data distribution platform; from a user, and separate from the stream of market data, instructions to change values of market items; process involves changing selected values of the market data.Changed market data in a form that mimics the stream of market data received from the market data distribution platform, thus enabling the automated building and testing of market data processing software applications. Frip: Ah ha! A patent on fake data.Systems and Methods for Enhancing Compliance with the Federal Reserve Custodial Inventory (CI) Procedures; US 8,175,942 B2; May 8, 2012; Class 705/35; 5 claims; assigned to Bank of American Corporation.Physical space capacity information; cash balance inventory information; FedCash system information including Custodial Inventory information, minimum vault holding requirement information, and a Federal Reserve Cap for Custodial Inventory.Display of either an amount to be physically transferred into the Custodial Inventory vault or an amount to be physically transferred out of the Custodial Inventory vault. Frip: See how much you dont know about banking?System and Method for Reconciling Financial Records; US 8,175,943 B1; May 8, 2012; Class 705/35; 14 claims; assigned to Vestmark, Inc.Values from a custodian of accounts; process involves specifying certain transaction problems to be automatically corrected, selecting types of corrections to be applied to both historical and future positions, applying corrections of the portfolio account system to both historical and future positions, and reserving certain problems for individual review.Corrected accounts. Frip: Making everything hunky dory, and gettin a patent to boot.Using Commercial Share of Wallet to Compile Marketing Company Lists; US 8,175,945 B2; May 8, 2012; Class 705/35; 20 claims; assigned to American Express Travel Related Services Company, Inc.Company financial statement data; process includes estimating commercial size of spending wallet for the company based on, at least, financial statement data of the business, total known business spending of the business, and a model of industry spending patterns.Rating of the company based upon the companys commercial size of spending wallet. Frip: Amex just cant get enough of the spending wallet concept.System and Method for Providing the Execution Probability of a Limit Order; US 8,175,946 B2; May 8, 2012; Class 705/36R; 34 claims; assigned to Bloomberg Finance L.P.Current and historical trade data; process involves calculating the frequency of trade execution, price movements, and distributions of trade volumes.Execution probability of a limit order within a given time period. Frip: One of those probability patents.System and Method for Administering Fixed Index Annuities; US 8,175,947 B2; May 8, 2012; Class 705/36R; 31 claims; assigned to Hartford Fire Insurance Company.Data indicative of a value of an index calculated based on a formula including as factors, prices of individual equity securities; data indicative of dividend yield; data indicative of an asset value of an insurance account having a value based on the index.Updated asset value of the insurance account. Frip: And as for your individual annuity, So sowee.Methods and Systems for Providing a Constant Maturity Commodity Index; US 8,175,949 B2; May 8, 2012; Class 705/36R; 16 claims; assigned to UBS AG (Switzerland).At least one commodity component for inclusion in a commodity index; process involves calculating a target weight of the commodity component, selecting a time interval for maturity of the commodity component, determining a middle delivery period for financial instruments for the commodity component, and purchasing the financial instruments in relation to the middle delivery period based on the target weight.Rebalanced financial instrument based on the target weight and the middle delivery period of the commodity component. Frip: Maturity? What if your spouse is always calling you immature?User Interface for an Electronic Trading System; US 8,175,955 B2; May 8, 2012; Class 705/37; 40 claims; assigned to Trading Technologies International, Inc.Market data identifying at least an inside market including a bid quantity available at a highest bid price for an item and an ask quantity available at a lowest ask price for the item; process involves displaying all outstanding bids and offers for an item, in contrast to the conventional systems and methods in which only the highest bid and lowest offer are known to the individual trader.Submission of order to the electronic trading exchange for an order quantity at the desired price. Frip: Put a little more info in a graphic display, get a patent.Method and Apparatus for Automated Trading of Equity Securities Using Real Time Data Analysis; US 8,175,956 B2; May 8, 2012; Class 705/37; 39 claims.Decision model to buy and sell a security; real-time data.Automatic generation of an order and execution of transactions to buy and sell the security based in response to the decision model. Frip: But is the thing easy to stop, or does it need a slap side the head?System and Method for Dynamically Regulating Order Entry in an Electronic Trading Environment; US 8,175,960 B2; May 8, 2012; Class 705/37; 20 claims; assigned to Trading Technologies International, Inc.First pay-up tick value for a price for an offset order for a tradeable object; user-defined modification condition.Dynamically modified first pay-up tick to a second pay-up tick value, which is used to determine a second acceptable price level for the order associated with the trading strategy. Frip: Is it Frips imagination, or is anything having to do with electronic trading gettin a patent?Method and System for Using Payment History for Conducting Commercial Transactions; US 8,175,961 B2; May 8, 2012; Class 705/38; 22 claims; assigned to Visa International Service Association.Transaction data relating to commercial transactions conducted by buyers and sellers conducting commercial transactions using a transaction processing system; request for transaction information relating to the data from an entity, the transaction information also relating to a commercial transaction between a buyer and a seller.Provision of the transaction information to the requesting entity, which thereafter makes a decision about further interacting with the buyer or the seller. Frip: Movin information around. Thats why its called the information Age.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; US 8,175,962 B2; May 8, 2012; Class 705/38; 20 claims; assigned to Metabank.Estimate of the tax refund available from a tax return of a consumer.Modification of the one or more existing lines of credit for the consumer based on the determined portion of the estimated tax refund available as borrowing capacity. Frip: More debt! You can take on more debt! May 15, 2012 Total 705 Class patents issued: 63 Data In-Data Out patents: at the very least, 10 PATENTDATA INDATA OUTComputer Control of Non-Debt Funding System for Home Finance; US 8,180,649 B2; May 15, 2012; Class 705/1.1; 59 claims; assigned to Ross/Graff Holdings LLC.Data including data representing components temporally decomposed from residential property, the components including a residential estate for years interest and a residential remainder interest.Separate valuation of each of the components, wherein at least one of the valuations reflects that there is a terminal rent recovery period for the residential estate for years interest, and digital data and documentation. Frip: Has something to do with Shariah financing.Systems and Methods for Processing Vehicle or Driver Performance Data; US 8,180,655 B1; May 15, 2012; Class 705/4; 21 claims; assigned to USAA.Vehicle data and driver behavior data from a data processing module installed in a vehicle covered by a vehicle insurance policy.Dynamic vehicle insurance policy. Frip: Computer say you went 80 today. Add $10 to your insurance premium. Methods and Systems for Forecasting with Model-Based Estimates; US 8,180,664 B2; May 15, 2012; Class 705/7.31; 11 claims; assigned to Hewlett-Packard Development Company, L.P.Reference set of profiles from previous periods; process involves estimating model parameters of a time series based on the reference set, the parameters comprising a first variance for a hidden noise source, and calculating a probability density function for the time series including determining a second variance for the probability density function based at least in part on the first variance for the hidden noise source.Forecast generated from the probability density function. Frip: If this aint a patent for an algorithm per se, nothing is.System and Method for Performing Automatic Spread Trading; US 8,180,692 B2; May 15, 2012; Class 705/35; 22 claims; assigned to Pablo, LLC.Dynamic market information for tradeable objects; spread setting parameters from a user; process involves generating a spread data feed that is preferably displayed in a spread window as bid and ask quantities associated with an axis or scale of prices; trade orders.Automatic working of a spreads legs to achieve, or attempt to achieve, the spread. Frip: Work my spreads legs, Honey!Prediction of Financial Performance for a Given Portfolio of Marketing Investments; US 8,180,693 B2; May 15, 2012; Class 705/35; 20 claims; assigned to Hewlett-Packard Development Company.Time series data that includes data describing the financial performance generated by corresponding marketing investments made as a function of time; process involves configuring an econometric model defining a linear relationship between the financial performance and the corresponding marketing investments, and transforming the econometric model into an aggregated non-linear econometric model.Prediction of financial performance. Frip: Ah, the never-ending debate, linear versus non-linear econometric models.System and Method for Incorporating Qualitative Inputs into Econometric Models; US 8,180,694 B2; May 15, 2012; Class 705/35; 20 claims; assigned to Hewlett-Packard Development Company.Time series data including data describing a financial performance generated by corresponding marketing investments made as a function of time; process involves configuring an econometric model from the time series data, the model including linear coefficients that define a quantitative linear relationship between the financial performance and the corresponding marketing investments, and adjusting the linear coefficients in accordance with qualitative factors.Incorporation of qualitative factors into the econometric model. Frip: A patent on quantifying the qualitative factors. Cool.Stock Purchase Indices; US 8,180,696 B2; May 15, 2012; Class 705/36R; 21 claims; assigned to Ameritrade IP Company, Inc.Raw customer trading data; process involves aggregating to generate daily transaction total counts for all stocks and for each individual stock. Moving averages, stock purchase indices, and stock buy and sell rankings, the stock purchase indices being based on a diffusion index technique of segregating buyers from sellers. Frip: Yikes! The diffusion index has segregated me from my money!Method of Trading in Real Estate Derivatives; US 8,180,697 B2; May 15, 2012; Class 705/36R; 33 claims.Asking rent data; lease rent data; maybe a value representative of general market conditions; process involves generating a real estate derivative index value.Trade of a financial instrument based on the real estate derivative index value. Frip: Mixing derivatives and real estate. Way above this childs head.Consumer Behaviors at Lender Level; US 8,180,703 B2; May 15, 2012; Class 705/38; 20 claims; assigned to American Express Travel Related Services Company, Inc.Data on lenders derived from their respective consumers; spend capacity of the consumers.Risk index and an account default prediction based upon the risk index. Frip: American Express, still infatuated with the concept of spend capacity.System, Method and Computer Program Product for an Interactive Business Services Price Determination and/or Comparison Model; US 8,180,710 B2; May 15, 2012; Class 705/400; 21 claims.Multiple market raw data sets comprising data describing characteristics of business services including price of service and at least one of type of service, scope of service, volume of service, quality of service, and other complexity or demographic data that drive price; process encompasses various data manipulation steps including normalizing and adjusting, and calculating and plotting.One or more reports that graphically display a calculated industry pricing index or a determined contract price. Frip: Your basic crunch-a-bunch-of-data patent. May 22, 2012 Total 705 Class patents issued: 76 Data In-Data Out patents: at the very least, 15 PATENTDATA INDATA OUTHealth Care Financing System and Method; US 8,185,408 B2; May 22, 2012; Class 705/2; 18 claims; assigned to Transunion Intelligence LLC.Health care financial assistance information, including qualification criteria, associated with multiple potential health care financial assistance plans; patient data including credit information.Determination and notification of eligibility for a health care plan or plans. Frip: The Supreme Court is gonna love finding this baby unconstitutional.System and Method for Benefit Plan Cost Estimation; US 8,185,413 B2; May 22, 2012; Class 705/4; 12 claims; assigned to Express Scripts, Inc.Historical utilization data for a population combined with projected plan selections based upon presumed participant objectives, such as cost minimization; survey data from a sample of the given population relating to expected benefit utilization and/or plan preference criteria; and survey and/or historical data from preexisting statistical samples exhibiting characteristics similar to the participant population regarding benefit utilization and/or plan preference criteria.Menu of benefit plans. Frip: RomneyCare! Or maybe ObamaCare.Methods and Systems for Comparing Employee Insurance Plans among Peer Groups; US 8,185,415 B2; May 22, 2012; Class 705/4; 21 claims; assigned to HighRoads, Inc.Data from a user on attributes of an insurance plan of an employee; data on other plans; comparison criteria.Report based on plan comparison. Frip: Under Plan A, you get one free measles shot. Under Plan B, two shots.Method and System for Providing Multiple Real-Time Pricing Quotes Based on Optional Consumer Variables; US 8,185,417 B1; May 22, 2012; Class 705/4; 12 claims; assigned to USAA.Data on a product, such as auto insurance, with multiple optional features; process involves pricing combinations of the various optional features. Display of the price combinations. Frip: Patent on a high deductible?Supplier Stratification; US 8,185,430 B2; May 22, 2012; Class 705/7.28; 30 claims; assigned to Bank of America Corporation.Answers corresponding to a series of questions for measuring risk posed to a business by the supplier of goods or services to the business; process involves calculating an inherent risk index (IRI) and a remediated risk index (RRI), and other stuff.Level of risk presented to the business by a supplier of goods or services. Frip: It seems risk indices are great patent material.Data Processing System for Pricing, Costing and Billing of Financial Transactions; US 8,185,440 B2; May 22, 2012; Class 705/20; 21 claims; assigned to Financial Systems Technology (Intellectual Property) Pty. Ltd. (Australia). Financial transaction; process involves defining product rules for each financial transaction, locating an appropriate product rule for a particular financial transaction, linking the product rule to a corresponding price table, calculating a price using the pricing method contained in the price table, and billing the appropriate party using the billing method contained in the price table.Pricing of and billing for a financial transaction. Frip: Tie me kangaroo down, Sport. Tie me kangaroo down.System and Method of Providing Fuel; US 8,185,449 B2; May 22, 2012; Class 705/26.2; 14 claims; assigned to The Royal Bank of Scotland (plc), (UK).Wholesale price data; customer order data; process relates to a method of providing fuel, and more particularly, but not exclusively, to providing fuel at a plurality of filling stations through calculating prices and fuel volume, sending order and transaction data, and updating balances. Updated balance data. Frip: So the Scots are patenting a fuel billing process? Well, I suppose it is a business method, but it seems so Accounting 101.Method and System for Structuring a Mortgage; US 8,185,456 B2; May 22, 2012; Class 705/35; 32 claims; assigned to Crew Financial LLC.Value for each of multiple loan parameters associated with a collateralized loan from a lender to a borrower; estimated future income of the borrower for each of multiple time periods; payment algorithm.Payment amounts for future payment periods. Frip: Estimated future income? Zilch, nada. Now gimme my loan.Transaction Risk Analyzer; US 8,185,457 B1; May 22, 2012; Class 705/35; 21 claims; assigned to USAA.Factors in connection with a transaction, the factors including, for example, the relationship of a customer to the financial services company, the network identity of the customer, and the behavior pattern of the customer; set of business rules; process involves distinguishing between potentially fraudulent transactions and legitimate transactions.Recommended actions to mitigate losses potentially resulting from the transaction. Frip: Everybody is trying to find the Holy Grail of fraud prevention.System, Method and Computing Device for Detecting Duplicate Financial Documents; US 8,185,459 B2; May 22, 2012; Class 705/35; 27 claims; assigned to Symcor Inc. (Canada).Collection of hash values representative of previously processed financial documents, maintained in a memory; new financial document; process involves generating hash values for the new document and comparing the generated hash values to the stored hash values.Indicator of whether a matching hash value has been found, which might indicate fraud. Frip: Caught by the short hairs of your hash value.Longevity Analysis and Modifiable Attribute Identification; US 8,185,461 B2; May 22, 2012; Class 705/35; 4 claims; assigned to Expanse Networks, Inc.Database of attribute profiles, each attribute profile comprising pangenetic and modifiable lifestyle attributes along with longevity data correlating said respective pangenetic and lifestyle attributes; query associated with an individual; attribute profile associated with the individual. Determination and outputting of one or more modifiable lifestyle attributes associated with the individual that will result in an increase in expected longevity. Frip: And this got classified in a predominately financial class (705/35) how?Interactive Systems and Methods for Insurance-Related Activities; US 8,185,463 B1; May 22, 2012; Class 705/36R; 32 claims; assigned to The Guardian Life Insurance Company of America.Financial information of an individual or a family. Computer graphic display of multiple interdependent domains from a group that comprises a protection domain, an assets domain, a liabilities domain, and a cash flow domain, the graphic display including a breakdown of assets based on one of liquidity and tax status, a breakdown of liabilities based on one of interest rate and time to pay debt, or a breakdown of cash flow based on whether income is earned, unearned, guaranteed, or variable. Frip: Sometimes the best way to get past a patent examiner is to confuse him or her.User Interface for an Electronic Trading System; US 8,185,467 B2; May 22, 2012; Class 705/37; 30 claims; assigned to Trading Technologies International, Inc.Price data on items; process involves generating and displaying value axes.Graphic display of bid and ask indicators. Frip: TTI, cornering the market on graphic displays.System and Method for Smart Hedging in an Electronic Trading Environment; US 8,185,468 B2; May 22, 2012; Class 705/37; 18 claims; assigned to Trading Technologies International, Inc.Definition for a spread strategy comprising at least a first tradeable object and a second tradeable object; desired spread price; process involves partially or completely filling a first order and then determining if the price of a second order would result in achieving the desired spread price defined for the spread strategy.Completion or not of the spread strategy. Frip: One-percenters having a blast.Computer-Based Method for Teaming Research Analysts to Generate Improved Securities Investment Recommendations; US 8,185,469 B2; May 22, 2012; Class 705/37; 21 claims; assigned to Markit On Demand, Inc.Historical market and financial data; process involves electing a team of research providers or analysts from a set of such providers and then testing or validating the selected team using historical market and financial data to determine their performance when their recommendations are aggregated according to user-selected weighting and recommendation aggregation rules. Investment recommendations for a user-selected set of securities in an ongoing manner. Frip: Get a bunch of experts, make a bunch of money. Or at least get a patent. May 29, 2012 Total 705 Class patents issued: 95 Data In-Data Out patents: at the very least, 10 PATENTDATA INDATA OUTClick Based Trading with Intuitive Grid Display of Market Depth and Price Consolidation; US 8,190,501 B2; May 29, 2012; Class 705/35; 20 claims; assigned to Trading Technologies International, Inc.Market information; process includes generating consolidated price levels and quantity indicators.Dynamic display on a user interface of an electronic trading system the consolidated quantity indicator in association with the consolidated price level on a price axis including multiple consolidated price levels for the commodity, the display including multiple locations in an order entry region for the entry of orders. Frip: Electronic speed trading, thats the name of the game.Management of Goals and Recommendation; US 8,190,502 B2; May 29, 2012; Class 705/36R; 41 claims; assigned to Ameriprise Financial, Inc.Financial planning objectives; information relating to the financial planning objectives.Financial planning goal and recommendations for meeting the goal, and additional stuff. Frip: A patent on words?Systems and Methods for Swap Contracts Management with a Discount Curve Feedback Loop; US 8,190,503 B2; May 29, 2012; Class 705/36R; 31 claims; assigned to International Derivatives Clearing Group, LLC.Trade data for trades of swap contracts; process involves determining a discount curve for projected prices of future swap contracts over time.Executed trade and incorporation of data about the trade into a feedback loop that adjusts the discount curve in real time. Frip: Real time, like in the speed of light.Corporate Payments, Liquidity and Cash Management Optimization Service Platform; US 8,190,504 B1; May 29, 2012; Class 705/36R; 24 claims; assigned to Accenture Global Services Limited (Ireland).Financial data for a financial portfolio, the financial data comprising account identifiers, account balances, incoming cash-flow event identifiers, and outgoing cash-flow event identifiers; process involves a liquidity analysis result, a liquidity simulation program, and a liquidity optimization goal.Action proposal that moves the liquidity analysis result toward the liquidity optimization goal. Frip: Wow, patent on the great god liquidity.System and Method for Providing a Financial Product Linked to a Specific Return; US 8,190,505 B2; May 29, 2012; Class 705/37; 30 claims; assigned to Morgan Stanley.A total return associated with an asset for the performance period; a risk-free return for the performance period; a common factor return associated with the asset for the performance period; payout criteria; process includes calculating a specific return using the total, risk-free, and common factor returns.Valuation data for the financial contract using the determined specific return and the payout criteria. Frip: This is certainly a patent on something.Solutions Server; US 8,190,506 B2; May 29, 2012; Class 705/37; 39 claims; assigned to E*Trade Financial Corporation.Problem definitions for problems; environmental information required for generating solutions for the problems; in a securities trading context, data-in includes quote price, quote quantity, quote market participant ID, and quote side.Solutions for the problems and communication of those solutions to users, in a securities trading context the solutions being about trading securities. Frip: Lotsa inside-the-market stuff here.System and Method for Price-Based Annotations in an Electronic Trading Environment; US 8,190,509 B2; May 29, 2012; Class 705/37; 11 claims; assigned to Trading Technologies International, Inc.Trader-supplied definition for an annotation, the definition including an annotation price level and annotation information; graphic display includes a price axis with multiple price levels.Display of the annotation information along the price axis. Frip: TTI, not lettin the grass grow under its fleet feet.System and Method for Estimating and Optimizing Transaction Costs; US 8,190,510 B2; May 29, 2012; Class 705/37; 14 claims; assigned to ITG Software Solutions, Inc.User-defined input variables; users trading profile; market variables; process involves cost estimation and optimization algorithms that model transaction costs.Transaction cost estimation report. Frip: The ol estimation patent. Quite common these days.Systems, Methods and Computer Program Products for Offering Consumer Loans Having Customized Terms for Each Customer; US 8,190,511 B2; May 29, 2012; Class 705/38; 14 claims; assigned to American Express Travel Related Services Company, Inc.Customer credit application data; credit bureau data; process involves calculating a weighted expected probability of default for a loan to the customer and a risk from debt burden of the customer based at least in part upon income volatility, and determining customized loan terms that are above the risk free rate. Customized loan terms. Frip: Psst, got a deal for you.Calculating Credit Worthiness Using Transactional Data; US 8,190,515 B2; May 29, 2012; Class 705/38; 16 claims; assigned to Bank of America Corporation.Transactional data corresponding to transactions associated with a user; process involves categorizing the transactional data into at least luxury transactions and necessity transactions and calculating a luxury index and a necessity income standardized momentum trend risk index for the user.Credit worthiness of the user. Frip: Your luxury index way too high. No credit for you. June 5, 2012 Total 705 Class patents issued: 105 Data In-Data Out patents: at the very least, 16 PATENTDATA INDATA OUTInsurance Product, Rating System and Method; US 8,195,484 B2; June 5, 2012; Class 705/4; 39 claims; assigned to Hartford Steam Boiler Inspection and Insurance Company.Insureds basic data; savings criteria; savings data; risk distribution data; confidence data. Insured floor dollar value, premium, and insurance product. Frip: Wow! What a concept!Objective Achievement Management; US 8,195,503 B2; June 5, 2012; Class 705/7.36; 30 claims; assigned to Bank of America Corporation.Data related to a business objective; set of drivers related to the objective; process involves calculating a gap for each driver between a baseline and a goal for the objective, may further include analyzing the gap to associate a quantity of gap points with each driver to achieve the goal, and other stuff.Initiatives to achieve the business objective. Frip: So BofA, does this mean a higher interest rate on my savings?Web-Based Issuer Support Services; US 8,195,542 B2; June 5, 2012; Class 705/35; 20 claims; assigned to The NASDAQ OMX Group, Inc.Issue and issuer data concerning a specific issuer and one or more securities issued by the specific issuer; filing and financial data concerning the specific issuer; compliance data indicative of the specific issuer's state of compliance; trade data concerning the one or more securities issued by the specific issuer.Composite report that includes the issue and issuer data, the filing and financial data, the compliance data indicative of the specific issuer's state of compliance, and the trade data. Frip: Patent on a report; classic data in-data out.Methods and Systems for Determining Composition of a Commodity Index; US 8,195,543 B2; June 5, 2012; Class 705/35; 13 claims; assigned to UBS AG (Switzerland).Sectors for the commodity index; commodity components for the selected sectors; process involves calculating sector and individual contract weights.Constant maturity commodity index. Frip: Claims seem narrower than the spec. But what does Frip know?Visual Representation and Configuration of Trading Strategies; ; US 8,195,545 B2; June 5, 2012; Class 705/35; 44 claims; assigned to Trading Technologies International Inc.Market data; traders input.An acceptable range of prices for a trading strategy, modifiable and displayed on a graphical user interface. Frip: TTI, do ya ever run out of ideas?Methods and Systems for Risk Evaluation; US 8,195,546 B2; June 5, 2012; Class 705/35; 21 claims; assigned to SAP AG (Germany).Stuff about the risk of an object, including object estimation-value and risk status; stuff about the risk of a second object. Risk status of the first object by using the first risk estimation-value and the risk status of the second object. Frip: Guess things in German are hard to translate.System and Method for Regulating Order Entry in an Electronic Trading Environment; US 8,195,548 B2; June 5, 2012; Class 705/35; 9 claims; assigned to Trading Technologies International Inc. Individual spread orders or customized groups of orders.Slop parameters such as inside slop, outside slop, and/or adjustable range parameters to one or more orders, slop apparently referring to the regulation of order entry. Frip: Slop. Cool.Determining Commercial Share of Wallet; US 8,195,550 B2; June 5, 2012; Class 705/35; 20 claims; assigned to American Express Travel Related Services Company, Inc.Individual and aggregate corporate data; process includes regression analysis and focuses on financial statement data of the company, total known business spending of the company, trade credit data, and a model of industry spending patterns.Commercial size of spending wallet of the company. Frip: American Express feels toward share of wallet analysis like a dog feels toward a bone.System and Method for Presenting a Competitive Comparison of a Recommended or Custom Card; US 8,195,551 B2; June 5, 2012; Class 705/35; 20 claims; assigned to American Express Travel Related Services Company, Inc.Results of a consumer profiling process to determine psychographic characteristics of the consumerInformation describing a recommended financial transaction account or custom card, information describing a comparable financial transaction account, and a comparison between the recommended financial transaction account and the comparable financial transaction account. Frip: Your principal psychographic characteristic is that youre odd.System and Method for Evaluating Risk Associated with Property; US 8,195,552 B1; June 5, 2012; Class 705/36R; 14 claims; assigned to CoreLogic Valuation Services, LLC.First estimated value of a property; second estimated value of the property; process involves calculating an automated valuation model (AVM) variance, a median variance, and an appreciation value.Risk value indicating the risk associated with the subject property. Frip: Dont worry. Youre gonna pay too much anyway.Price Charting System and Technique; US 8,195,553 B2; June 5, 2012; Class 705/36R; 20 claims; assigned toMicroQuant, LLC. Collection of price data relating to an investment; process involves generating volatility-adjusted relative price data related to the investment.Indication of a state of a market for the investment as being traded at a fair value, as overvalued, or as undervalued. Frip: Buy high, sell low.Method and Interface for Consolidating Price Levels on a Trading Screen; US 8,195,554 B2; June 5, 2012; Class 705/36R; 31 claims; assigned to Trading Technologies International Inc.Trading data.Price and quantity displays. Frip: TTI, youre giving me a headache.System and Method for Determining an Index for an Item Based on Market Information; US 8,195,559 B2; June 5, 2012; Class 705/37; 27 claims; assigned to BGC Partners, Inc.Market information about a luxury item; process involves determining a standard profile for the luxury item based on the compiled market information, and determining index information based on the compiled market information and the standard profile.Index comprising a statistical composite that measures changes in a financial market associated with the luxury item. Frip: Is beer a luxury item?System and Method for Quick Quote Configuration; US 8,195,561 B2; June 5, 2012; Class 705/37; 24 claims; assigned to Trading Technologies International Inc.Desired strategy price for a trading strategy including a first leg for a first tradeable object and second leg for a second tradeable object, wherein the first leg for the first tradable object is initially selected as a leg to be quoted and the second leg for the second tradeable object is initially selected as a leg to be hedged; process includes dynamically switching the selected legs.Appropriate market orders. Frip: Some day electronic markets are gonna take the whole shebang into the crapper.System and Method for Displaying Market Information in an Electronic Trading Environment; US 8,195,562 B2; June 5, 2012; Class 705/37; 19 claims; assigned to Trading Technologies International Inc.Market information.Graphic displays of the market in a center position (or near the center position) so that the market and price levels around the market can be easily found while still maintaining an intuitive view of the market. Frip: Ah, the ol intuitive market view patent.Systems and Methods for Point of Interaction Based on Policy Routing of Transactions; US 8,195,565 B2; June 5, 2012; Class 705/39; 19 claims; assigned to Lead Core Fund, L.L.C.Payment request for at least a portion of a transaction; predetermined rules and stuff; process includes determining a payment system for processing the at least a portion of the transaction by accessing a payment directory.Transmission of the authorization request to the payment system. Frip: Jus a sec while my patent looks up a payment system. June 12, 2012 Total 705 Class patents issued: 86 Data In-Data Out patents: at the very least, 14 PATENTDATA INDATA OUTMethod and System for Determining the Importance of Individual Variables in a Statistical Model; US 8,200,511 B1; June 12, 2012; Class 705/4; 15 claims; assigned to Deloitte Development LLC.An insurance policy profitability scoring formula comprising a sum of multiple predictive input variables each having a weighting co-efficient; values for some or all of the variables; process involves partial derivatives, deviance values, and other stuff.Importance of each of the variables that contribute to the overall score of a model for predicting the profitability of an insurance policy. Frip: Any algorithms here, you ask?Issuer Support Services; US 8,200,556 B2; June 12, 2012; Class 705/35; 26 claims; assigned to The NASDAQ OMX Group, Inc.Issue and issuer data and filing and financial data concerning a specific issuer and one or more securities issued by the specific issuer.Compliance data indicative of the specific issuer's state of compliance. Frip: Hopes this works better than Nasdaqs IPO for Facebook.Systems and Method for Providing Migration and Performance Matrices; US 8,200,557 B2; June 12, 2012; Class 705/35; 14 claims; assigned to SAP AG (Germany).Data to reflect information on the likelihood that a rated entity will change its current rating within a given time period; information reflecting retention rates; information describing the effect of changed exchanged rates on different data; other stuff.Migration and performance matrices that aid in analyzing risk and performance. Frip: Patent on matrices.Object Oriented Financial Analysis Tool; US 8,200,559 B1; June 12, 2012; Class 705/35; 30 claims; assigned to The MathWorks, Inc.Financial data; process involves a financial analysis program with an object oriented architecture having a number of abstract classes associated with performing financial calculations, the abstract classes including an instruments class, a models class, and an interface to allow a user to enter instrument parameters.Financial calculation results. Frip: Not a patent on algorithms?Object Oriented Financial Analysis Tool; US 8,200,560 B1; June 12, 2012; Class 705/35; 27 claims; assigned to The MathWorks, Inc.Financial data and parameters; process involves defining a common base class associated with performing multiple financial calculations, defining an instrument class within the common base class, the instrument class identifying multiple equity, debt, or derivatives instruments, and defining a models class within the common base class.Financial calculation results. Frip: Sorta like the preceding patent, only different. System and Method for Generating a Transactionable Multimedia Financial Planning Statement; US 8,200,562 B2; June 12, 2012; Class 705/36R; 21 claims; assigned to Massachusetts Mutual Life Insurance Company.Financial holdings of a plan holder; financial goals.Financial statement that includes a summary of financial information with an analysis of the financial holdings, an identification of weaknesses in the financial holdings, and suggestions to the financial plan holder to remedy the weaknesses in the financial holdings. Frip: Hal the Computer say your finances in deep do-do.Method and System for Creating an Equity Exchange Fund for Public and Private Entities; US 8,200,564 B2; June 12, 2012; Class 705/36R; 17 claims; assigned to Reagan Inventions, LLC.Application to participate in a fund from at least one investor having a position in at least one commercial entity; process includes evaluating the entity based on at least one predetermined criteria, evaluating the position in the entity, and determining a number of shares of the fund to be exchanged for the position in the entity. Equity exchange fund. Frip: And so youve got a share of what?Fair Value Model Based System, Method, and Computer Program Product for Valuing Foreign-Based Securities in a Mutual Fund; US 8,200,566 B2; June 12, 2012; Class 705/36R; 28 claims; assigned to ITG Software Solutions, Inc.A universe of securities of a particular international market; process involves computing overnight returns of each security, selecting at least one return factor of a domestic financial market, computing, for each selected return factor, the return factor's daily return, and calculating, for each selected return factor, a return factor coefficient for each security by performing a time series regression.Fair value price of each security. Frip: As good as done. Tax-Aware Asset Allocation; US 8,200,561 B1; June 12, 2012; Class 705/36T; 44 claims; assigned to Financial Engines, Inc.Information regarding financial products available for investment in a taxable account and a tax deferred account of an investor; current investment information; tax characteristics of the financial products; financial circumstances of the investor.Advice on a financial portfolio including taxable and tax-deferred accounts. Frip: At least this isnt a tax strategy patent, which the America Invents Act put a stop to (hopefully).Method of Computerized Monitoring of Investment Trading and Associated System; US 8,200,567 B2; June 12, 2012; Class 705/37; 40 claims; assigned to Access Data Corporation.For a specific trader and a specific investment, current and historic information regarding selected trading parameters.Determination if behavior of interest which may involve a rules violation, a departure from the rules which is not technically a violation, or a potential departure from the rules which might make desirable further investigation has occurred. Frip: In short, is it or is it not a no-no.Option Search Criteria Testing; US 8,200,569 B1; June 12, 2012; Class 705/37; 29 claims; assigned to Power Financial Group, Inc.Historical option data reflecting financial market conditions on multiple days in the past; user defined search criteria.List of option investments satisfying the user defined search criteria, the list comprising option investments of the identified type and having the defined characteristics. Frip: Now Computer, find me some money.System and Method for Displaying and/or Analyzing a Limit Order Book; US 8,200,572 B2; June 12, 2012; Class 705/37; 41 claims; assigned to CFPH, LLC.Price and time data regarding limit orders entered onto an electronic market; process involves determining a market distance, the market distance comprising a difference between the price of the respective limit order and a market price, determining a weighting based on the determined market distance, and calculating one or more market indicators.Display of the market indicators on a graphical user interface. Frip: Market distance, like in how far to the corner grocery?Multi-Variable Transaction System and Method; US 8,200,573 B2; June 12, 2012; Class 705/38; 14 claims; assigned to Skopos Financial Group, LLC.Asset data and buyer finance data; seller variable distribution that generates seller transaction state data; finance variable distribution that generates finance transaction state data. Transaction approval data that reflects an optimization of variables. Frip: Optimization of variables. Who doesnt want that?Comprehension Online Loan Transaction; US 8,200,576 B1; June 12, 2012; Class 705/39; 21 claims; assigned to USAA.Financing application information via a network from a consumer; process involves determining in real time whether the consumer is eligible for financing and if so generating a unique transaction identification usable by a seller to obtain payment from the lending institution providing the financing to the consumer.In essence, an online loan. Frip: Look Ma! My computer just gave me a loan! June 19, 2012 Total 705 Class patents issued: 79 Data In-Data Out patents: at the very least, 14 PATENTDATA INDATA OUTMethod and Apparatus for Providing Retirement Income Benefits; US 8,204,767 B2; June 19, 2012; Class 705/4; 17 claims; assigned to Lincoln National Life Insurance Company.Data relating to the benefit plan, including data relating to at least one of the account value, an AIR where AIR is one of an assumed investment rate and an interest rate, systematic withdrawal and annuity payments, the liquidity period, the annuity period, and the annuity payout option.Account value and initial and current benefit payments during the liquidity period, and account value to be annuitized at the end of the liquidity period and initial and current annuity payments during the annuity period. Frip: Annuities, an indication that the great finish line of life aint far off.System and Method for Projecting Flexible Spending Account Allocations; US 8,204,768 B1; June 19, 2012; Class 705/4; 40 claims; assigned to Intuit Inc.Historical healthcare-related claim and expense information; other stuff such as expected changes in the consumers health insurance plans, dependents, tax regs, medical services costs and so on.Recommended flexible spending account allocation for a healthcare consumer. Frip: Socialized medicine!Estimating the Spend Capacity of Consumer Households; US 8,204,774 B2; June 19, 2012; Class 705/7.29; 17 claims; assigned to American Express Travel Related Services Company, Inc.Household financial data; consumer behavior model; process involves estimating spend capacity for each tradeline in a household after eliminating duplicate tradelines. Household size of wallet. Frip: American Express infatuation with spend capacity and size of wallet stuff continues.System and Method for Predicting Card Member Spending Using Collaborative Filtering; US 8,204,784 B2; June 19, 2012; Class 705/14.52; 20 claims; assigned to American Express Travel Related Services Company, Inc.Data of card members and merchants; process involves filtering financial transaction data from multiple card members that involves multiple restaurants to generate a set of candidate restaurant recommendations for a selected card member.Restaurant recommendations. Frip: American Express sent me to MacDonalds.Multi-Company Business Accounting System and Method for Same Including Financial Reporting; US 8,204,803 B2; June 19, 2012; Class 705/30; 13 claims; assigned to Hantz Group, Inc.Financial data for a multi-company.Financial report, the report lines being arranged into a tree view with the multi-company accounting system, the tree view defining a hierarchical format for the financial report and being displayable on a display of a computer arrangement. Frip: Patent on a financial tree.System for Associating Financial Transaction Data with Users Project Data; US 8,204,804 B2; June 19, 2012; Class 705/30; 19 claims; assigned to JPMorgan Chase Bank, N.A.Users financial transaction data; users project data; system allows a user to define project category data and associate representations of the user's financial data with the user-defined project category data.Data record that is the result of a conversion of a graphical arrangement of data. Frip: Oh, for the simpler times.Finance Function High Performance Capability Assessment; US 8,204,809 B1; June 19, 2012; Class 705/35; 25 claims; assigned to Accenture Global Services Limited (Ireland).Business and industry finance and performance data; process involves multiple key assessment performance reference tables and, amongst other stuff, three performance capability levels: Basic, Competitive, and Market Leading.Finance-based performance capability level, or something. Frip: And yet, the business still went belly up.System and Method for Displaying Risk Data in an Electronic Trading Environment; US 8,204,811 B2; June 19, 2012; Class 705/35; 28 claims; assigned to Trading Technologies International, Inc.Selection of a group of traders that buy and sell tradeable objects offered for trade by at least one electronic exchange; process involves menu trees, data nodes, grids, display cells, and geek-stuff in general.Interactive grid displaying risk related information such as profit, loss, and net position, and order related information. Frip: TTI, onward to the Brave New World.System, Method and Framework for Generating Scenarios; 8,204,813 B2; June 19, 2012; Class 705/36R; 9 claims; assigned to Algorithmics Software LLC.Risk factors; process based on a generic framework that provides levels of abstraction, segregates risk factors and models, and structures a scenario generation process.Risk factor scenarios. Frip: Levels of abstraction. Cool.Systems, Methods and Computer Program Products for Performing a Contingent Claim Valuation; US 8,204,814 B2; June 19, 2012; Class 705/36R; 33 claims; assigned to The Boeing Company.Contingent claims, such as calls or puts; process involves determining the present value distribution of contingent future benefits and of exercise prices.Value of the contingent claim based upon the present value distribution of contingent future benefits and the present value distribution of exercise prices. Frip: The ol present value patent.System and Method for Providing Electronic Price Feeds for Tradeable Objects; US 8,204,817 B2; June 19, 2012; Class 705/37; 21 claims; assigned to Trading Technologies International, Inc.Market information for a tradeable object being traded at an electronic exchange, the market information comprising price levels and order quantities; process includes generating an indicator sequence comprising multiple fields to represent the price levels.Price feed message comprising the indicator sequence, the plurality of order quantities, and the non-linear price level. Frip: Theres a distinction between the linear and the non-linear price levels, but its over Frips head.Computer System and Method for Producing Analytical Data Related to the Project Bid and Requisition Process; US 8,204,820 B2; June 19, 2012; Class 705/37; 38 claims; assigned to Volt Information Sciences, Inc.Transactional data related to a bid and project, the data being from an on-line bid, project requisition, and payment process.Virtually any type of analytical data related to single or multiple projects performed by one or more vendors for one or more buyers. Frip: Wow! The Holy Grail of Analytical Data!Method and Interface for Presenting Last Traded Quantity Information; US 8,204,822 B2; June 19, 2012; Class 705/37; 27 claims; assigned to Trading Technologies International, Inc.Trading information from an exchange.Columnar order display of indicators for orders, and a columnar estimated last traded total sweep quantity region configured to display an estimated last traded total sweep quantity representing a number of trades executed over a plurality of price levels. Frip: Columnar. Neat word, deserving of a patent.Estate Disposition Modeling; US 8,204,834 B2; June 19, 2012; Class 705/312; 4 claims; assigned to JPMorgan Chase Bank, N.A.Balance sheet data; estate planning information; timing and event information; process involves the application of conveyance and tax logic.Flowcharts illustrating the disposition of the estate, and tax and liquidity analysis. Frip: Dying in the warm embrace of JPMorgan. Comforting. June 26, 2012 Total 705 Class patents issued: 67 Data In-Data Out patents: at the very least, 5 PATENTDATA INDATA OUTAnalysis of Multiple Assets in View of Uncertainties; US 8,209,202 B2; June 26, 2012; Class 705/7.11; 20 claims; assigned to Landmark Graphics Corporation.Information specifying a set of uncertainty variables for a plurality of assets and specifying a functional relationship between a first and a second of the uncertainty variables, where the first uncertainty variable is associated with a first of the assets, where the second uncertainty variable is associated with a second of the assets; process involves beaucoup algorithms.Values for decision variables, and stuff. Frip: Just what you need to get through the day.Proprietary Risk Management Clearinghouse; US 8,209,246 B2; June 26, 2012; Class 705/35; 16 claims; assigned to Goldman, Sachs & Co.Informational artifacts with content related to at least one of reputational risk, regulatory risk, and legal risk transaction including requests involving unaccustomed foreign account activity, requests for secrecy or exceptions to Bank Secrecy Act requirements, requests for routing through a secrecy jurisdiction, and unusual fund or transaction activity.Calculated measurement of risk, which can be a risk quotient or other rating based upon a weighted algorithm applied to the risk variables. Frip: The ol risk algorithm patent.Cross Correlation Tool for Automated Portfolio Descriptive Statistics; US 8,209,251 B2; June 26, 2012; Class 705/36R; 36 claims; assigned to GE Corporate Financial Services, Inc.Descriptive attributes of a portfolio of assets; process involves complex segmenting of a portfolio into major valuations and doing a bunch of stuff to the assets in each valuation. Value of portfolio. Frip: One of them thar cross correlation patents.Matching Resources of a Securities Research Department to Accounts of the Department; US 8,209,253 B2; June 26, 2012; Class 705/36R; 20 claims; assigned to Morgan Stanley.Values for attributes from an account attribute data store, wherein each of the attributes describes at least one of the accounts; process involves generating a service score based at least in part on values selected from the values for the attributes.Score for each account and a matching of the resources of a securities research department to the accounts based on the scores. Frip: A patent on organizing a research department.Systems and Methods of a Mortgage Pricing Service; US 8,209,258 B1; June 26, 2012; Class 705/38; 7 claims; assigned to Freddie Mac.Identification of price components that contribute to a net price of a financial product; process involves pricing grids, information grids, tree node structures, and creation and use of a data model.Net price of the financial product. Frip: Grids and nodes. What would the first patent examiner, one T. Jefferson, have to say about them apples? July 3, 2012 Total 705 Class patents issued: 80 Data In-Data Out patents: at the very least, 12 PATENTDATA INDATA OUTProxy Transactions and Delegation of Transaction Capabilities and Roles for a Cash Handling Device; US 8,214,257 B1; July 3, 2012; Class 705/16; 12 claims; assigned to Bank of America Corporation.Login of identification credentials; request to perform transaction on behalf of another user; process involves determining if the requesting user is authorized to act on behalf of the other user.If requesting user is authorized to act on behalf of the other user, providing the requesting user with a menu of available transactions, and receiving the selected transaction. Frip: Are you authorized to act? Well then, act.Systems, Methods and Computer Program Products for a Comprehensive Environmental Benefit Program Associated with a Commercial Credit Card; US 8,214,258 B2; July 3, 2012; Class 705/21; 48 claims; assigned to Bank of America Corporation. Purchasing information associated with purchases made via a commercial credit card; process involves determining environmental impact data related to the purchases and environmental advisory data based on the purchases that comprises at least one of a suggestion for environmental improvement or environmental education data.Provision of the environmental impact data and the environmental advisory data to the commercial entity. Frip: B of A, watching out for the environment.Financial Activity Based on Natural Events; US 8,214,274 B2; July 3, 2012; Class 705/35; 17 claims; assigned to Weather Risk Solutions, LLC.Prediction of and investment of funds pertaining to the future occurrence of a natural event; external objective independent information about whether the event occurred as predicted.Determination of monetary payoff. Frip: Gamblin on Katrina.Multiple Transaction Property Valuation; US 8,214,275 B1; July 3, 2012; Class 705/35; 14 claims; assigned to Fannie Mae.Multiple transactions for a given property; process involves bias corrections, weightings, and the like.Predicted value of the property. Frip: Fannie, not givin up. Method and System for Providing Relative Financial Position Data; US 8,214,276 B1; July 3, 2012; Class 705/36R; 24 claims; assigned to Intuit Inc.Data such as, but not limited to, overall financial position data, income and asset data, expense data, transactional data, and demographic data for various individuals; process involves comparing an individuals data with that of similarly situated individuals. Graphic displays of comparisons for the individual. Frip: Sorry. Your peers are doin better than you.Multidimensional Risk Analysis Systems; US 8,214,277 B2; July 3, 2012; Class 705/36R; 20 claims.Real time market data.Quantified market risk factors. Frip: Lotsa number crunching goin on here.System and Method for Efficiently Using Collateral for Risk Offset; US 8,214,278 B2; July 3, 2012; Class 705/36R; 18 claims; assigned to Chicago Mercantile Exchange, Inc.Market position; nature and amount of collateral.Adjustment to margin requirement based on the correlation between the position and the collateral. Frip: You realize, of course, that shad catch futures have little correlation with T-bills.Method of Computerized Monitoring of Investment Trading and Associated System; US 8,214,279 B2; July 3, 2012; Class 705/37; 32 claims; assigned to Access Data Corporation.Historic trading data for a specific trader; trading parameters for the specific trader and current information regarding the parameters; comparison rules; process may be employed to monitor whether market timing of mutual fund investments has occurred.Alarm report if rules have been violated. Frip: Red Alert! Red Alert! Rules have been violated!System and Method for Coordinating Automated and Semi-Automated Trading Tools; US 8,214,280 B2; July 3, 2012; Class 705/37; 16 claims; assigned to Trading Technologies International, Inc.Market information; process involves tracking, coordinating, or both, the buying and selling of available market quantities by multiple automated or semi-automated trading tools, and can involve identification of instances of leaning on the same tradeable object.Trade recommendations or implementations. Frip: Lean on me. . . .Automated Securities Trade Execution System and Method; US 8,214,282 B2; July 3, 2012; Class 705/37; 19 claims; assigned to Goldman Sachs & Co.Order information from a client; filter rules.Executed order and report thereon. Frip: Wham, bam, thank ya mam.Real Time Adaptive Control of Transaction Review Rate Score Curve; US 8,214,285 B2; July 3, 2012; Class 705/38; 57 claims; assigned to Cypersource Corporation.Data points, each of which includes a score; current inflection points associated with a current inflection function, each inflection point having a corresponding score; process involves much manipulating, delta outputs, and other stuff.Real-time adaptations to a fraud screen model. Frip: Signal processing and real-time feedback stuff. Heavy. 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; US 8,214,286 B1; July 3, 2012; Class 705/38; 9 claims; assigned to Metabank.Information on demand deposit accounts, prepaid cards, and existing lines of credit of a customer; estimate of the tax refund available from a tax return of the customer.Adjustment to an existing line of credit account of the customer. Frip: Here. Have more credit. Spend. Its the American way. July 10, 2012 Total 705 Class patents issued: 96 Data In-Data Out patents: at the very least, 7 PATENTDATA INDATA OUTCharacterizing Relationships Among Procedures Using Similarity Metrics; US 8,219,415 B2; July 10, 2012; Class 705/2; 19 claims; assigned to Fair Isaac Corporation.Data that characterizes multiple procedures for a single healthcare event; process involves identifying dynamically determined groups associated with the procedures, and determining likelihood of the multiple procedures being associated with the single event.Determination of likelihood of fraud. Frip: Fair Isaac, searching for fraud in every nook and cranny.Valuation of Derivative Products; US 8,219,472 B2; July 10, 2012; Class 705/35; 22 claims; assigned to Chicago Mercantile Exchange, Inc.Calculated mark-to-market values from a start of a period to an end of the period, the calculation employing swap value factors, each swap value factor being a sum of coupon value factors, the calculation being performed in accordance with a really serious equation.Value of an exchange-traded interest rate swap product over sequential but nonconsecutive periods. Frip: Finally, a way to value my portfolio of interest rate swaps.Financial Portfolio Management System and Method; US 8,219,473 B2; July 10, 2012; Class 705/35; 14 claims; assigned to Byallaccounts, Inc.Financial information associated with a client, the information being from multiple sources; process involves normalizing the financial information from the financial sources into a single normalized data format and aggregating the financial information into a financial portfolio.Information on the clients finances. Frip: Thought I was rich, then my portfolio got normalized.Systems and Methods for Multi-Objective Portfolio Analysis Using Pareto Sorting Evolutionary Algorithms; US 8,219,477 B2; July 10, 2012; Class 705/36R; 28 claims; assigned to General Electric Company.Random population of initial portfolio allocations; process involves a multi-objective process, an evolutionary algorithm, and a bunch more.Efficient frontier for use in investment decisions. Frip: Not a computer program per se?Website and Computer Program for Transfer of Return on Investment on a Real Time Basis for OIBITDA; US 8,219,479 B1; July 10, 2012; Class 705/36R; 18 claims.Equity investments and financial data related thereto; process includes calculating OiBiTDA (operating income before interest, tax, depreciation, and amortization) of each equity investment, ROI for an entire company, and other stuff.Performance of portfolios. Frip: Patent on a website?System and Method for Changing the View of a Trading Screen; US 8,219,486 B2; July 10, 2012; Class 705/37; 20 claims; assigned to Trading Technologies International, Inc.User selection of a price level.Reposition market information on a trading screen. Frip: Sorta like an automatic mouse.Systems and Methods for Providing ACH Transaction Notification and Facilitating ACH Transaction Disputes; US 8,219,491 B2; July 10, 2012; Class 705/44; 17 claims.Incoming ACH transactions involving subscriber accounts at a financial institution; preset notification criteria; process involves comparing the incoming transactions to the notification criteria.For flagged transactions, initiation of corrective action. Frip: Gettin into the nitty gritty of the payments system. July 17, 2012 Total 705 Class patents issued: 97 Data In-Data Out patents: at the very least, 7 PATENTDATA INDATA OUTSystem and Method for Administering Annuities; US 8,224,673 B2; July 17, 2012; Class 705/4; 23 claims; assigned to Hartford Fire Insurance Company.Amount of an initial funding payment, an interest rate formula and a term for an accumulation annuity; other terms including a deferral term for a guaranteed income annuity.Determination of the various payments as they are due. Frip: 400 clerks just lost their jobs. Thats why the unemployment aint coming down anytime soon.System and Method for Administering Life Insurance Policies Issued Prior to Underwriting; US 8,224,677 B2; July 17, 2012; Class 705/4; 33 claims; assigned to Hartford Fire Insurance Company.Data indicative of an application and an initial premium payment from a proposed insured for life insurance; data indicative of a result of a comprehensive underwriting process.Initially, determination of whether the proposed insured is uninsurable, and if so, determination of a rating of the proposed insured and, based on the rating, an output signal indicative of a same or changed premium for the policy. Frip: Another 400 clerks, gone.Systems and Methods for Modeling Insurance Coverage; US 8,224,679 B1; July 17, 2012; Class 705/4; 17 claims; assigned to USAA.Claim scenario parameters for an insurance policy; other stuff.Coverage parameter disparities and maybe even an insurance policy. Frip: The unemployment ranks are being flooded with insurance clerks. Account Opening System, Method and Computer Program Product; US 8,224,723 B2; July 17, 2012; Class 705/35; 22 claims; assigned to JPMorgan Chase Bank, N.A.Customer information, account information, and other criteria; process includes automatic rate determination, profile auditing, and other stuff.New account. Frip: JP, offering banking to folks like you and me. Well, not really.Scanning Based Spreads Using a Hedge Ratio Non-Linear Optimization Model; US 8,224,730 B2; July 17, 2012; Class 705/35; 18 claims; assigned to Chicago Mercantile Exchange, Inc.Data on derivatives and their underlying products, including the product deltas that are representative of position and price sensitivities.Quantities of each of multiple derivative products to include in a portfolio, each of the derivative products being characterized by a product position based on the underlying product and a product delta representative of a sensitivity of the product position to change in price of the underlying product, and more. Frip: Delta Force, inbound. Opps, wrong movie.Financial Risk Cover Analysis, Modeling Control and Monitoring System; US 8,224,734 B2; July 17, 2012; Class 705/36; 12 claims; assigned to Bastgone, LLC.Returns behaviors connecting statistical behavior of each potential allocation of a submanager to a resultant statistical behavior of a Financial Risk Cover associated with a client portfolio; process involves creating a total set of Financial Risk Cover configurations and simulations, modeling, and stuff.Removal of subpar investments, or something like that. Frip: Sometimes the words just get in the way.Methods, Software, and Systems for Over-the-Counter Trading; US 8,224,738 B2; July 17, 2012; Class 705/37; 12 claims; assigned to Credit Market Analysis, Ltd. (UK).Data comprising information about the price of a security; identifying and verifying suspect source data, the process involving hash functions and hash keys.Display of information about the verified suspect source data to a user. Frip: Hash functions? Anyone? July 24, 2012 Total 705 Class patents issued: 108 Data In-Data Out patents: at the very least, 12 PATENTDATA INDATA OUTComputer Implemented Method of Tracking Customer Spending and Income; US 8,229,806 B1; July 24, 2012; Class 705/35; 16 claims; assigned to The PNC Financial Services Group, Inc.Spending transactions by a customer during a time period; estimate of customer income. Graphic display including a first bar indicating customer income and a second bar indicating customer spending. Frip: Patent on a spreadsheet tool?System and Method for Use in Management of Financial Assets; US 8,229,809 B2; July 24, 2012; Class 705/30; 39 claims; assigned to Hartford Fire Insurance Company.Fund expense calculation data; fund price data; trade data.Trade instructions, payment instructions, updated account ledgers. Frip: Hope you got a good IT guy or gal.Transaction Range Comparison for Financial Investigation; US 8,229,815 B1; July 24, 2012; Class 705/35; 13 claims; assigned to Bank of America Corporation.Transaction activity data involving financial institution deposits and withdrawals; Unsampled activity data under test; process involves combining and comparing data.Determination of whether a group of transactions is structured to avoid a predetermined reporting requirement. Frip: Hey, whats wrong with structuring stuff to avoid taxes, reporting requirements, and other demands from The Man? Mr. Romney and friends say its the American Way.Method and Apparatus for Providing Order Queue Information; US 8,229,818 B2; July 24, 2012; Class 705/35; 14 claims; assigned to Trading Technologies International, Inc.Updates for a tradeable object at a price level from at least one exchange; to the extent that the updates do not include enough details to compute the number of orders resting at a particular price level in a market, estimations of order queue information.Display of the number and/or quantity of the orders in the order queue. Frip: If we ever run out of electricity, the stock market is gonna go belly up.System and Method for Coalescing Market Data at a Network Device; US 8,229,823 B2; July 24, 2012; Class 705/35; 26 claims; assigned to Trading Technologies International, Inc.Market data; process involves coalescing data, thus providing a user with the opportunity to receive fewer, but up-to-date, data updates from an exchange when duplicate prices become available or a large volume of prices becomes available suddenly.Coalesced data. Frip: Dont you wish all your stuff could be coalesced?Combined Estimate Contest and Prediction Market; US 8,229,824 B2; July 24, 2012; Class 705/36R; 20 claims; assigned to Microsoft Corporation.User's estimated probabilities of occurrence of different possible outcomes of an event, the event relating to stock prices, sports scores, business shenanigans, or other events of interest; process includes determining one or more proposed trades in a prediction market based on the user's estimated probabilities.A trade amount and a potential payoff, and maybe other stuff. Frip: Microsoft, playing the markets.Mutual Fund and Method for Allocating Assets in a Mutual Fund; US 8,229,828 B1; July 24, 2012; Class 705/36R; 20 claims; assigned to USAA.Fund assets; allocation and diversification signals.Relocation of assets. Frip: Trusting your life savings to some dudes algorithm, eh?System, Method and Program for Agency Cost Estimation; US 8,229,834 B2; July 24, 2012; Class 705/37; 36 claims; assigned to ITG Software Solutions, Inc.User-defined input variables; users trading profile; market variables.Transaction cost estimates. Frip: Money, money, money.System and Method for Analyzing and Displaying Security Trade Transactions; US 8,229,837 B2; July 24, 2012; Class 705/37; 20 claims; assigned to Trading Technologies International, Inc.Security exchange trading information that includes the price, volume, and time of each trade; security exchange market information from buyers, specifying bide prices and quantities, and from sellers, specifying asking prices and quantities.Continuously updated real-time chart depicting the exchange auction process whereby buyers and sellers agree to trade at specified prices, including details of individual transactions, the chart being formed by plotting each trade at the price traded, and showing for each plot point a distinctive icon indication whether the transaction was initiated by a buyer or seller. Frip: Down in the weeds with TTI.Leg Price; US 8,229,838 B2; July 24, 2012; Class 705/37; 21 claims; assigned to Chicago Mercantile Exchange, Inc.Tradable combination of orders among which are two or more roundable spread orders, each comprising at least two or more leg orders wherein one of the leg orders is characterized by a minimum price increment different from a minimum price increment of another of the at least two or more leg orders; process involves minimization of a sum of squares of differences between leg prices, and other stuff.Tradable combinations that may include spread orders where one leg of the spread has a different tick size than the other or where the tick of the spread contract is different from the tick size in one or both legs, and other stuff. Frip: Didja ever have a large tick, well, you know where?System for Appraising a Financial Product; US 8,229,839 B2; July 24, 2012; Class 705/37; 12 claims; assigned to Efficient Markets Corporation.Information about a proposed insured, including risk profile information; information about proposed insurance products tailored to the risk profile information of the proposed insured.An overall rating for each proposed insurance product, reflecting the proposed insurance product's customer. Frip: Another patent for a rating scheme.System and Method for Event-Based Trading; US 8,229,842 B2; July 24, 2012; Class 705/37; 17 claims; assigned to Trading Technologies International, Inc.Pre-defined trading strategy that includes a number of trading rules to be applied based on a comparison of one or more estimated event values to the respective actual event values to be released at some later time. Execution of one or more predefined trading rules based on the comparison of the received actual event values to the respective estimated indicator values. Frip: Heads I win, tails you lose. July 31, 2012 Total 705 Class patents issued: 103 Data In-Data Out patents: at the very least, 7 PATENTDATA INDATA OUTMethods and Systems for Providing Longevity Insurance with or without an Asset Based Premium; US 8,234,132 B2; July 31, 2012; Class 705/4; 17 claims; assigned to New York Life Insurance Company.Information and application from an individual.Longevity insurance contract that generally provides deferred income payments for a period of time, such as for the life of the individual, beginning at a predetermined date that is after an individual's anticipated retirement, or at a predetermined date that is after the individual's life expectancy, or on or after a specified birthday of the individual. Frip: So theres insurance in case you die, and now theres insurance in case you dont die.Method and System Incorporating Business Rules and Price Optimization for Financial System; US 8,234,155 B2; July 31, 2012; Class 705/7.35; 21 claims; assigned to SAP AG (Germany).Product attribute values; product rules; rate movement direction for the specified attributes; gap value for each of the specified attributes; process includes optimizing and densification.Recommendation of the optimized rate value for the target product to achieve a target in the optimized scenario, wherein the target includes a profit value and a sales volume value. Frip: Densification. Any ideas? Anyone?Life Calendar; US 8,234,194 B2; July 31, 2012; Class 705/35; 25 claims; assigned to Bank of America Corporation.User data comprising data specific to a user, the user data being automatically received from a source selected from the group consisting of a social networking site, a government account, an educational account, a business account, and an organization database; bank data.A life calendar with financial data, life events, and recommendations that will assist a user in determining his or her financial needs. Frip: Just a little creepy.System and Method for Identifying Accounting Anomalies to Help Investors Better Assess Investment Risks and Opportunities; US 8,234,200 B2; July 31, 2012; Class 705/36R; 16 claims; assigned to Credit Suisse Securities (USA) LLC.Company data; criteria metrics; process includes calculating category risk ranks, and other stuff.Comparative categorical investment risk assessment indicator for the evaluated company. Frip: Anomalies? We are all anomalies. I think Plato said that.System and Method for Determining a Liquidity-Adjusted Value At Risk (LA-VAR); US 8,234,201 B1; July 31, 2012; Class 705/36R; 27 claims; assigned to Morgan Stanley.Portfolio data; process involves playing with market risk factors, liquid risk factors, illiquid risk factors, regression analysis, and other stuff.Liquidity-adjusted Value at Risk for a portfolio. Frip: VAR analysis. Isnt that what got everybody in trouble back in 07 and 08?System and Method for Improved Order Entry Using Market Depth; US 8,234,202 B2; July 31, 2012; Class 705/36R; 24 claims; assigned to Trading Technologies International, Inc.Desired strategy quantity for a trading strategy at a desired strategy price, wherein the trading strategy is specified by a definition and includes a first leg for a first tradable object and a second leg for a second tradable object; market depth information on the hedging side; process involves intelligently breaking up orders on the non-hedging side such that each order is automatically worked at cascading price levels.Trading orders. Frip: And you wonder why electronic trading makes some folks uneasy.System and Method for Displaying a View of Market Depth on a Graphical User Interface; US 8,234,210 B2; July 31, 2012; Class 705/37; 20 claims; assigned to Trading Technologies International, Inc.Market information.Display of a market depth indicator in relation to a value axis in a market overview interface, display of detailed market depth in a market depth interface, and adjustments of displayed market depth prices based on a position of the market depth indicator in relation to the value axis. Frip: Tweak a display, get a patent. August 7, 2012 Total 705 Class patents issued: 121 Data In-Data Out patents: at the very least, 16 PATENTDATA INDATA OUTIndustry Size of Wallet; U.S. 8,239,250 B2; August 7, 2012; Class 705/10; 18 claims; assigned to American Express Travel Related Services Company, Inc.Individual and aggregate consumer data, including tradeline data, internal customer data, and consumer panel data; process includes size of wallet determinations for consumer groups and subsets thereof, and other stuff.Correlation between an industry size of wallet of a given consumer and one or more characteristics of the given consumer using the industry size of wallet for the consumers in the subset. Frip: American Express is fixated on size of wallet analysis.Method for Associating Financial Transaction Data with User's Project Data; U.S. 8,239,270 B2; August 7, 2012; Class 705/17; 13 claims; assigned to JPMorgan Chase Bank, N.A.User's financial transaction data; project category data. Graphical arrangement and display of selected user financial transaction representations associated with user-defined project category data representations. Frip: Aaw, what a cute little display. Wait, dont hit delete!Method and Apparatus for Managing Financial Accounts; U.S. 8,239,298 B1; August 7, 2012; Class 705/35; 57 claims.From a user, income and expense entries, asset accounts with values and projected return rates, and liability accounts with liability amounts and interest rates.Optimized fund allocation to investments and liabilities. Frip: Optimization patents are whats happenin.System and Method for Chart Pattern Recognition and Analysis in an Electronic Trading Environment; U.S. 8,239,301 B2; August 7, 2012; Class 705/35; 17 claims; assigned to Trading Technologies International, Inc.Market data; user-defined timeframes.Detected reoccurring chart patterns. Frip: TTI joins the chartists!Minimizing Security Holdings Risk During Portfolio Trading; U.S. 8,239,302 B2; August 7, 2012; Class 705/35; 20 claims; assigned to ITG Software Solutions, Inc.Securities in an outstanding trade list and securities in a portfolio of holdings; process involves determining covariances between the securities in the trade list and those in the portfolio.Identification of securities to be traded, the list of securities minimizing short-term risk. Frip: From optimization to minimization.Minimizing Security Holdings Risk During Portfolio Trading; U.S. 8,239,302 B2; August 7, 2012; Class 705/35; 20 claims; assigned to JPMorgan Chase Bank, N.A.Consumer profile information, which may include previous spending habits, previous transactions, and other stuff.Offer of a pre-approved credit instrument to finance one or more targeted products, the offer being independent of consumer input and prior to the consumer entering into a transaction for the one or more targeted products. Frip: In other words, JP knows more about you than you know.Methods and Systems for Analyzing Attributes of Investments and Other Assets; U.S. 8,239,305 B2; August 7, 2012; Class 705/36R; 20 claims.Values of specified attributes of multiple investments from a number of data sources; Graphical framework by which symbolic representations of the multiple investments are displayed concurrently for comparison with respect to one another within coordinate systems. Frip: Join the graphical display sweepstakes!Computer-Implemented Method of Constructing a Stock Index; US 8,239,306 B2; August 7, 2012; Class 705/36R; 13 claims; assigned to The Vanguard Group, Inc.Stock data; algorithms for stock selection.Stock Indexes. Frip: Data in-data out. Perfect.Asset Allocation Based on Expected Utility of Time and Wealth; US 8,239,307 B2; August 7, 2012; Class 705/36R; 19 claims; assigned to The Penn State Research Foundation.Individuals financial data; process includes computing a critical wealth of the individual, a retirement wealth of the individual, and a wealth utility function of the individual, analyzing a trade-off between retirement time and retirement consumption of the individual, and other stuff.Financial plan for an individual. Frip: And oh yes. Could you please leave Penn State a sizeable portion of your estate?Clearing System that Determines Margin Requirements for Financial Portfolios; US 8,239,308 B2; August 7, 2012; Class 705/36R; 31 claims; assigned to Chicago Mercantile Exchange, Inc.Swap dollar values and volatility values.Performance bond, or margin, amount for a plurality of interest rate swaps in a portfolio of financial assets. Frip: For swaps, maybe the performance bond should be double the alleged swap values.Closing Price Determination for an Automated Market System; U.S. 8,239,309 B2; August 7, 2012; Class 705/36R; 38 claims; assigned to The NASDAQ OMX Group, Inc.Trade price of an executed trade of a security wherein the executed trade is executed during a trading session of the electronic market; a market parameter of the security; process involves comparing the received trade price to the market parameter of the security.Closing price of a security traded in an electronic market. Frip: Provided the electronic market doesnt have one of those flash crashes that have become so common.System and Method for Generating Transaction Based Recommendations; U.S. 8,239,310 B2; August 7, 2012; Class 705/36R; 30 claims.Historical transaction data for a plurality of transactions; possible new transactions; process involves assessing each transaction and generating assessment data based thereon.Assessment of one or more possible securities transactions, including a certainty indicator indicating a probability that the assessment would meet a participant's stated objectives. Frip: A certainty indicator. Cool.System and Method for Estimating a Spread Value; U.S. 8,239,314 B2; August 7, 2012; Class 705/37; 32 claims; assigned to Trading Technologies International, Inc. Definition for a spread; electronic exchange market data; process involves computing an estimated spread value that represents a price at which a trader might have been able to buy or sell a spread given the current market conditions of the legs.Calculation and display of spread value on a screen of an electronic terminal in relation to an axis of price levels. Frip: Apparently spreads really turn some folks on.System and Method for Simulating an Electronic Trading Environment; U.S. 8,239,315 B2; August 7, 2012; Class 705/37; 24 claims; assigned to Trading Technologies International, Inc. Market updates corresponding to a tradeable object from a live market at an electronic exchange; simulated market data.Simulated order that are sent to a simulated exchange. Frip: Simulating disaster?Processing of Deal Tickets; U.S. 8,239,316 B2; August 7, 2012; Class 705/37; 17 claims; assigned to EBS Group Limited (UK).Electronic deal tickets, each electronic deal ticket including information relating to a trade made by two trading entities, and a deal code identifying one of the trading entities that made the trade and the electronic trading system on which the trade was made; map relating deal codes of an entity to a virtual deal code.Deal tickets associated a virtual deal code, the output being to bank office systems and traders. Frip: The art of the deal, or something.Systems and Methods for Determining the Likelihood that a Loan Closes; U.S. 8,239,318 B1; August 7, 2012; Class 705/38; 20 claims; assigned to Freddie Mac.Application information that includes at least borrower information, property information, and a first interest rate; home value information; a second interest rate.Indication that the application for a mortgage loan to secure a property may result in closing of the loan transaction. Frip: Receiving a patent is not a way to keep a low profile, Freddie. August 14, 2012 Total 705 Class patents issued: 99 Data In-Data Out patents: at the very least, 11 PATENTDATA INDATA OUTAppraisal Evaluation and Scoring System and Method; US 8,244,563 B2; August 14, 2012; Class 705/7.11; 13 claims; assigned to FNC, Inc.Data from a real estate appraisal; compliance and risk based rules applicable to the type of appraisal, each rule being given a particular weight.Standardized score representative of the accuracy and quality of the appraisal. Frip: Does one of the rules factor in tips to the appraiser?Method and System for Automated Transaction Compliance Processing; US 8,244,614 B2; August 14, 2012; Class 705/35; 13 claims; assigned to Goldman Sachs & Co.Lists of securities with trading restrictions; predefined compliance rules; compliance request identifying the party and a particular instrument associated with an issuer.Results of compliance determination. Frip: Wall Street, trying to obey the rules.Methods, Computer Systems, Software, and Portfolio for Outperforming Alternative Indices; US 8,244,616 B2; August 14, 2012; Class 705/36R; 30 claims; assigned to Barclays Capital Inc.Data describing a fund index and funds on which the index is based; data describing one or more securities; data describing returns of (a) the fund index, (b) funds on which the index is based, and (c) the one or more securities; process involves electronically identifying a subset of funds on which the fund index is based as superior-performing funds.Portfolio of securities whose return exceeds a return of the fund index. Frip: Viola! You are now in the one percent.Cash Flow Rating System; US 8,244,617 B2; August 14, 2012; Class 705/36R; 32 claims; assigned to CFPH, LLC.Data about a debt instrument portfolio comprising one or more debt instruments; process involves determining a current market value, a payment schedule, and a probability of payment for each of the debt instruments. Portfolio cash flow rating of the debt instrument portfolio. Frip: You have good rating but no money. Dont complain.Loan Information Analyses System and Method; US 8,244,618 B1; August 14, 2012; Class 705/36R; 20 claims; assigned to Amherst Holdings, LLC.Electronic loan data for the same individual loans from two or more different loan information providers; process involves integrating the data, scoring each loan with a risk score, applying pre-defined forecast vectors, and generating cash flow forecasts for the bucketed loans.Based on the cash flow forecasts, at least one estimate of a price and yield for each bucketed loan. Frip: But my buckets got a hole in it! It dont work no more!Price Indexing; US 8,244,619 B2; August 14, 2012; Class 705/36R; 9 claims; assigned to Radar Logic Inc.Data on transactions involving assets that share a common characteristic; process involves representing the transactions as respective data points associated with values of the assets, determining parameters that fit probability density functions to at least one component of a value spectrum of the data points, the probability density function for at least one of the components comprising a power law.Index of values associated with the assets. Frip: Patents involving probability density functions. What would the Supremes say?Methods, Systems and Securities for Assuring a Company an Opportunity to Sell Stock after a Specified Time; US 8,244,620 B1; August 14, 2012; Class 705/36R; 1 claims; assigned to Goldman, Sachs & Co.Data regarding the sale of a security consisting of: (1) a post-paid forward contract that obligates the second entity to purchase a fixed number of shares stock of the first entity; and (2) debt; data regarding the purchase, by the first entity from the second entity, of a pre-paid forward contract that obligates the second entity to deliver to the first entity a variable number of shares of stock in the first entity; a then-current stock price associated with the stock of the first entity.Calculated number of shares underlying the pre-paid forward contract, and recordation of the data regarding the purchase, of the pre-paid forward contract, and of the calculated number of shares. Frip: Goldman Sachs need English refresher course.Establishing Standardized Diamond Profiles and Pricing; US 8,244,624 B2; August 14, 2012; Class 705/37; 18 claims.Standard diamond profile, the profile comprising a selected set of parameters for characterizing diamonds; economic data that relate to commodities other than diamonds; process involves multiplying by a scaling coefficient the summed, weighted market prices for each of the commodities other than diamonds.Diamond pricing index. Frip: Diamonds are girls best friend. Sorry, couldnt resist.Live Alerts; US 8,244,626 B2; August 14, 2012; Class 705/37; 20 claims; assigned to Chicago Mercantile Exchange Inc.Trading messages; predetermined limits and rules.Messages they include links that may be used to generate real-time reports when a rule or limit is violated. Frip: RUN FOR YOUR LIVES! A rule has been violated.Computerized Systems and Methods for Facilitating the Flow of Capital Through the Housing Finance Industry; US 8,244,628 B1; August 14, 2012; Class 705/38; 21 claims; assigned to Fannie Mae.Information regarding an individual mortgage loan, the information including the gross interest rate and a product type; required yield associated with the product type; process involves determining adjustments to the required yield based on at least one of (1) a credit risk associated with the borrower, (2) a loan-to-value ratio, and (3) loan purpose; and more.Price for sale of the individual mortgage loan to a secondary mortgage market purchaser based at least on the price difference that is based at least on the yield difference and the trade-off ratio. Frip: Calm down, Fannie. Take a deep breath, a step back, and a moment to reflect.Method and Apparatus for Generating a Bi-Gram Score in a Fraud Risk Analysis; US 8,244,629 B2; August 14, 2012; Class 705/38; 30 claims.Merchant request about a customer; customer and transaction data from myriad sources; process involves data validation, highly predictive artificial intelligence pattern matching, network data aggregation, negative file checks, and bi-gram probability stuff.Fraud risk score Frip: Bi-gram probability? Maybe its first patent appearance. Then again, probably not. August 21, 2012 Total 705 Class patents issued: 117 Data In-Data Out patents: at the very least, 11 PATENTDATA INDATA OUTSensitivity/Elasticity-Based Asset Evaluation and Screening; US 8,249,970 B1; August 21, 2012; Class 705/36R; 16 claims; assigned to c4cast.com, Inc.Historical data for value of an asset; historical data values for various exogenous variables to obtain a formula for calculating a measure of a tendency of the value of the asset to change as a result of changes in the data values for the exogenous variables, the formula being a function of the exogenous variables; projected data values. Measure of the tendency of the value of the asset to change based on a change in at least one of the exogenous variables. Frip: Put some data in, stir it all about, get some data out.System and Method for Managing Investments in Infrastructure Assets; US 8,249,971 B2; August 21, 2012; Class 705/36R; 30 claims; assigned to Hunt Power, L.P.Financial data associated with a real estate investment trust (REIT) having a plurality of REIT shares, the REIT receiving, directly or indirectly, income associated with rent or lease of infrastructure assets that are associated with a regulated rate of return, the rent or lease paid by an operating utility to a property company.Revenue of the REIT and value of each REIT share. Frip: A little math here, a little math there, everywhere a little math math.Method and System for Creating a Volatility Benchmark Index; US 8,249,972 B2; August 21, 2012; Class 705/36R; 7 claims; assigned to Chicago Board Options Exchange, Incorporated.Value of a Treasury bill account less a mark-to-market value of at least one of a volatility-based future or option; process involve calculating, with a serious equation, a value reflecting a volatility benchmark.Volatility benchmark index. Frip: So Solliy, you buy stock with beaucoup volatility. You now broke.System and Method for Asymmetric Offsets in a Risk Management System; US 8,249,973 B2; August 21, 2012; Class 705/36R; 14 claims; assigned to Chicago Mercantile Exchange Inc.Data indicative of a margin requirement for and a risk of loss associated with a first product; data indicative of a margin requirement for and a risk of loss associated with a second product, the first product having a correlation with the second product but the correlation being independent of any relationship between the first and second risk of loss; process involves adjusting, based on the respective risks of loss, the margin requirement for the first product with respect to the margin requirement for the second productMargin for the portfolio comprising the first and second products based on the adjusted first and second margin requirements. Frip: Symmetric versus asymmetric offsets. Wow!System and Method for Continuously Offered Guaranteed Mutual Fund with Allocation to Risky Market Investments; US 8,249,974 B1; August 21, 2012; Class 705/36R; 20 claims; assigned to Structured Investment Management, Inc.Asset value data for assets in a fund; process involves quantifying an aggregate net asset value of the assets of the fund ("ANAV") as of a current date, calibrating a swap agreement relative to any change in a benchmark on the current date, calibrating an option agreement in regard to the ANAV on the current date, pricing a share of the fund at the close of the current date, and publishing the price.Current price of a share of the fund at the close of the current date. Frip: Guaranteed. Got that?Automated First Look at Market Events; US 8,249,975 B1; August 21, 2012; Class 705/37; 29 claims; assigned to Stikine Technology, LLC.Real-time market data; price for a side of a trade in the market, and wherein the input satisfies a market-related condition; process involves notifying market participant of a new contra-side best market price that satisfies the condition, the notification being before other market participants are notified.Automatic notification of a new contra-side best market price, with other market participants being automatically notified later. Frip: Yean, yean, yean, yean, yean. I know something you dont know.System and Method for Aggressively Trading a Strategy in an Electronic Trading Environment; US 8,249,977 B2; August 21, 2012; Class 705/37; 36 claims; assigned to Trading Technologies International, Inc.Spread trading strategy; level of aggressiveness for the strategy; desired spread price and quantity to buy or sell; process involves determining a leaned on price within a market gap.Calculation and submission of a quote order price. Frip: Lean on me, Im not sorry. . . .System and Method for Holding and Sending an Order to a Matching Engine; US 8,249,978 B1; August 21, 2012; Class 705/37; 20 claims; assigned to Trading Technologies International, Inc.Order to buy or sell a tradeable object; predefined event; process involves placing order in temporary storage and displaying it to the user in the form of a virtual order icon, the order being released to the matching engine upon the detection of the defined event.Release of order to matching engine. Frip: Look! A virtual order icon! Cool.Implied Order Quality; US 8,249,980 B2; August 21, 2012; Class 705/37; 12 claims; assigned to Trading Technologies International, Inc.Implied order for a tradable object, the implied order being derived from a plurality of orders; process involves determining a quality value for the implied order for the tradable object, the quality value being determined based on the quantity of the orders the implied order is derived from.Quality indicator representing the quality value for the implied order. Frip: Implied orders being orders derived from direct orders in other markets. Had to look that up.Methods and Systems for Generating Transition Probability Matrices through an Optimization Framework; US 8,249,981 B2; August 21, 2012; Class 705/38; 51 claims; assigned to GE Corporate Financial Services, Inc.Financial data including obligor credit ratings; process involves generating multi-period empirical transition probability matrices (ETPMs) for a selected time horizon, and a mathematical expression to minimize a difference between target ETPM values and candidate Optimized transition probability matrix (OTPM) values.Optimized transition probability matrix (OTPM), which includes a first set of optimized transition probability values for predicting a likelihood that a credit rating of an obligor will migrate from one credit state to another credit state during a future time interval. Frip: ETPM, OTPM, whatever. Bottom line is, your credit finished.Method and Apparatus for Managing Transactions; US 8,249,983 B2; August 21, 2012; Class 705/39; 15 claims; assigned to Cashedge, Inc.Financial accounts access information from a user; information regarding the financial accounts from a financial data source; process involves authenticating the user's ability to access the financial accounts.Access to the financial accounts. Frip: Now that youve hacked someone elses account, take the money and run! August 28, 2012 Total 705 Class patents issued: 105 Data In-Data Out patents: at the very least, 12 PATENTDATA INDATA OUTDebt Cancellation Mechanism; US 8,255,301 B1; August 28, 2012; Class 705/35; 24 claims; assigned to Bank of America Corporation.Occurrence data representative of an occurrence of a triggering event on a customer; process involves a determination as to whether the current amount of debt in the account of the customer is less than the current benefit amount associated with the customer.Cancellation of current amount of debt of the customer, and maintaining a new current benefit amount associated with the customer as the difference between the current benefit amount and the current amount of debt in the account of the customer prior to canceling. Frip: Say what?System and Methods for Modeling a Multiplicative Index; US 8,255,302 B2; August 28, 2012; Class 705/35; 30 claims; assigned to Morgan Stanley.Financial data; method involves generating a model of the BMA/LIBOR ratio as a function of the LIBOR index, a stochastic noise function, and a seasonality process, and solving the model for at least one value of the LIBOR index.Estimated value of a derivative. Frip: Hasnt LIBOR been in a bit a trouble recently?Systems and Methods for Audit Confirmation and Other Confirmation Services; US 8,255,304 B1; August 28, 2012; Class 705/35; 22 claims; assigned to JPMorgan Chase Bank, N.A.Confirmation request submitted in one or more standardized forms; account database; process involves parsing the standardized forms to identify (a) identity of the requestor, (b) identity of an account holder whose financial data are sought, and (c) financial data fields sought by the confirmation request.A response form populated with the retrieved financial data and affixed with a proof mechanism for the financial institution to attest to the accuracy of the financial data. Frip: Runnin out of exotic stuff, JP?Identification of Businesses with Potential to Achieve Superior Revenue Growth and Financial Performance; US 8,255,306 B1; August 28, 2012; Class 705/35; 20 claims.From multiple businesses that have achieved a selected financial performance target of $30 million to $70 million in annual revenue, financial revenue growth rate statistics; process involves determining exponential revenue growth trajectory curves and other stuff.List of target businesses having above-average potential to achieve a selected financial performance target of $1 billion in revenue within the predetermined timeframe. Frip: Were gonna get rich!System and Method for Measuring and Utilizing Pooling Analytics; US 8,255,307 B1; August 28, 2012; Class 705/35; 16 claims; assigned to JPMorgan Chase Bank, N.A.Historical data of separate cash accounts; process involves determining statistical characteristics of each of the separate cash accounts based at least in part on the historical data, and the beneficial impact pooling can have in areas such as reduced volatility of cash balance, cash forecasting, the ability to reduce the overall cash required to run the business, and the positive impact all of the above can have on earnings and the balance sheet.Benefit of pooling separate cash accounts into a single pooled account. Frip: All your money and wealth in one account? Mine would have a value of, oh, $757.32.Methods and Systems for Risk Evaluation; US 8,255,311 B2; August 28, 2012; Class 705/36; 12 claims; assigned to SAP AG (Germany).Object estimation-value for an object and a risk estimation-value that represents an estimate of a risk to the first target value; risk status for a second target value. Risk status for the first target value based on a comparison of the risk estimation-value with a predefined threshold value and based on the risk status for the second target value. Frip: Those boys and girls at SAP AG make it sound so technical.Method and System for Evaluating Target Date Funds; US 8,255,308 B2; August 28, 2012; Class 705/36R; 31 claims; assigned to JPMorgan Chase Bank, N.A.Information concerning a group of target date funds, the information maybe comprising information about the glide path and the target retirement date of each fund; process involves determining a diversification level and an equity ratio of each of the target date funds.Summary of the group of funds, the summary maybe including a summary or graph of the diversification levels and equity ratios of the target date funds. Frip: Golly day! Got me a graph from JP itself!Valuating Intellectual Assets; US 8,255,309 B2; August 28, 2012; Class 705/36R; 15 claims; assigned to Hewlett-Packard Development Company, L.P.Information on a group of intellectual assets; process involves associating each intellectual asset with a group of parameters having corresponding weights, and determining proportion indicators and value ratios.Value of intellectual assets. Frip: What if your intellectual assets are just a bunch of dumb a__es?Method and System for Simulating Implied Volatility Surface for Basket Option Pricing; US 8,255,310 B2; August 28, 2012; Class 705/36R; 15 claims; assigned to Goldman, Sachs & Co.Volatility surface model; set of volatilities for multiple options on an underlying financial instrument; historical data; process involves simulating option volatility by defining a parameterized volatility surface and then evolving the surface parameters in accordance with historical data, and other stuff.Price of an option. Frip: Parameterized volatility surface. Cool. Simulating Implied Volatility. Or two steps from reality?Integrated Business Decision-Making System and Method; US 8,255,316 B2; August 28, 2012; Class 705/36R; 19 claims; assigned to General Electric Company.Observational data related to one or more members of a target population; process involves predicting a business measure and determining an optimal marketing action.Optimal predicted business measure for the members of the target population. Frip: Lotsa business jargon.Systems and Methods for Performing Scoring Optimization; US 8,255,319 B1; August 28, 2012; Class 705/38; 14 claims; assigned to JPMorgan Chase Bank, N.A.Data about something, say a credit card issuer conducting a campaign to secure new credit card customers; method includes generating a first subdetermination based on first criteria, a second subdetermination based on second criteria, and a unified determination based on both.Unified determination based on subdeterminations. Frip: The proverbial huh?Method and Apparatus for Managing Transactions; US 8,255,336 B2; August 28, 2012; Class 705/75; 18 claims; assigned to Cashedge, Inc.Financial account access information from a user; information regarding the account from a financial data source; process involves authenticating access.Authenticated access. Frip: Go get your money! September 4, 2012 Total 705 Class patents issued: 105 Data In-Data Out patents: at the very least, 8 PATENTDATA INDATA OUTMethod and System for Insuring Risk; US 8,260,638 B2; September 4, 2012; Class 705/4; 9 claims; assigned to American International Group, Inc.Event categories of operational risk loss based on pertinent legislative regulations of the industry; client information; process involves determining an operational risk exposure assessment and calculating a value of capital relief.Operational risk exposure assessment, various scores, the value of capital relief, and a proposal for an insurance product. Frip: Patent on risk insurance. How about a patent on insurance against loosing a patent?Transaction Recurrence Engine; US 8,260,645 B2; September 4, 2012; Class 705/7.11; 34 claims; assigned to Bank of America Corporation.Customer transaction data; other stuff; process includes processing and analyzing financial transactions involving a plurality of financial accounts owned by a plurality of different individuals.Among other things, payment optimization opportunities with a merchant based at least partially on transaction recurrences amongst the financial transactions. Frip: First rule of guerilla warfare: avoid recurring patterns.Computer-Implemented Change Risk Assessment; US 8,260,653 B1; September 4, 2012; Class 705/7.28; 13 claims; assigned to Bank of America Corporation.Responses to questions, each question related to one of a plurality of risk categories associated with a financial services project; process includes determining numeric risk ratings for each identified inherent risk, and other stuff.A risk assessment that can be broken down by various business categories, for example, but not limited to strategic, customer experience, reputation, legal, compliance, financial, people, process, technology, and external risk, the scoring in example embodiments taking into account high severity and low detectability characteristics of specific risks associated with a change or new project. Frip: How about the risk of making things so complex that you dont know what the hell youre doing?Operational Risk Assessment and Control; US 8,260,654 B2; September 4, 2012; Class 705/7.28; 31 claims; assigned to Bank of America Corporation.Assessment results of one or more functions of the organization involved, the assessment including identifying failure modes, causes, and effects, which are permuted to define risk items.Risk prioritization report that prioritizes the risk items based at least in part on ratings associated with the causes and effects, and a mitigation plan. Frip: BofA got itself some software cowboys.System and Apparatus for Linking Multiple Rewards Programs to Promote the Purchase of Specific Product Mixes; US 8,260,661 B2; September 4, 2012; Class 705/14.1; 30 claims; assigned to VISA U.S.A. Inc.Information about a first pre-existing reward program for a first product; information about a second pre-existing reward program for a second product; process involves combining the reward programs.A combination reward program with a combination reward that is greater than each of the first reward and the second reward. Frip: Rewards. Thats all some folks think about.System and Method for Processing Data Related to an Annuity Using an Index-Based Amount to Credit to a Contract Value; US 8,260,698 B2; September 4, 2012; Class 705/35; 20 claims; assigned to Hartford Fire Insurance Company.Annuity product having a contract value and an interest rate; process involves determining an amount of interest for crediting to the contract value, a difference between the current value of an index independent of the value of any financial instrument and the prior period value of the index, and a value of an additional amount for crediting to the contract value.Updated contract value. Frip: Annuities, who has even a clue?Foreign Currency Index; US 8,260,701 B2; September 4, 2012; Class 705/37; 19 claims; assigned to Chicago Mercantile Exchange Inc.Exchange rates of foreign currencies with corresponding competitive weights; process involves calculating a geometric average of exchange rates, the competitive weight for each of the foreign currencies reflecting competition between the goods of the United States and the country of the foreign currency.Foreign currencies indexed financial instrument. Frip: Claim 1 has a formula. Pretty much ensures the awarding of a patent.Credit Risk Framework; US 8,260,702 B1; September 4, 2012; Class 705/38; 21 claims; assigned to Fannie Mae.Information on loans; process involves categorizing loans as ineligible and potentially eligible in regard to purchase by a purchaser, and grouping the potentially eligible loans based upon at least two data elements into a plurality of groups.Visual representation of the grouping of loans as at least one eligibility grid, and visual representation of the list of data element properties as a sheet associated with the eligibility grid. Frip: Grids, visual representations. Fancy, smancy. September 11, 2012 Total 705 Class patents issued: 135 Data In-Data Out patents: at the very least, 16 PATENTDATA INDATA OUTSystem and Method for Administration of Costs Related to Annuities; US 8,265,962 B2; September 11, 2012; Class 705/4; 24 claims; assigned to Hartford Fire Insurance Company.Data including a net asset value of an account at a commencement of an annual period; data including an amount of a management fee applicable to the account and based on a fraction of the net asset value of the account; process involves various daily and other calculations.Annually updated net asset value and the difference between the annual charge and the sum of the daily charges. Frip: Calculations 101?System and Method for Processing Data Related to Insurance Coverage for a Plurality of Risks; US 8,265,964 B2; September 11, 2012; Class 705/4; 20 claims; assigned to Hartford Fire Insurance Company.Data associated with insurance coverage including benefit amounts and health risks; an insurance claim.Benefit eligibility determination and benefit amount. Frip: Putting the green eyeshade crowd out-of-work.Risk-Cost Analysis of Currency Exposure Reduction for Currency Exposure Management; US 8,266,022 B2; September 11, 2012; Class 705/30; 27 claims; assigned to Rim Tec Inc.Foreign currency exposure data for a company having exposure in multiple currencies; process includes value-at-risk (VaR) analysis.Cumulative values for each of the currency exposures, and an output representation of cumulative remaining value-at-risk versus accumulated cost from the computed cumulative values. Frip: VaR. Wasnt that the financial analysis method that led Wall Street to think everything was hunky-dory back in 07 or so?System and Method for Assuring the Integrity of Data Used to Evaluate Financial Risk or Exposure; US 8,266,025 B1; September 11, 2012; Class 705/35; 10 claims; assigned to Citibank, N.A.Historical data comprising at least one measurement of an investment; financial input data for the investment from one or more data processing systems.Confidence level report based on the change in the information content of the financial input data as compared to the information content based on the historical data. Frip: We have great confidence that a fool and his money are soon parted.System and Method for Managing Data Relating to Investments from a Variety of Sources; US 8,266,029 B2; September 11, 2012; Class 705/35; 36 claims; assigned to Hartford Fire Insurance Company.Data related to financial securities, the data being located in various sources; request for data services; process involves accessing, retrieving, analyzing, and displaying data related to financial securities.Transformed data and an output signal for display of the transformed data. Frip: Hartford Fire, gettin down and dirty in the financial arena.System and Method for Processing Data Relating to Allocation of Assets; US 8,266,039 B2; September 11, 2012; Class 705/36; 20 claims; assigned to Hartford Fire Insurance Company.Data on investment allocation paths, each of the investment allocation paths having trigger events and asset allocation models and being associated with a risk tolerance value.Automatic rebalancing of a subscriber's assets as time passes and stuff happens. Frip: Most of us are on the investment path to hell.Method, Software Program, and System for Managing Debt; US 8,266,034 B1; September 11, 2012; Class 705/36R; 15 claims; assigned to Goldman, Sachs & Co.Information relating to the variable rate debt of a borrower.Budget for interest owed on the variable rate debt by the borrower during a time period when an interest rate on the variable rate debt is below a first predetermined low interest rate level, amount of early retirement of principal or funding of a sinking fund to be applied from any existing current budgetary excess, and portion of any accumulated budgetary excess to be applied to reduce an amount of debt service during a time when the interest rate is above a predetermined high interest rate level. Frip: Much too complex for us 99 percenters.Financial Activity Based on Natural Peril Events; US 8,266,042 B2; September 11, 2012; Class 705/37; 28 claims; assigned to Weather Risk Solutions, LLC..Request from a participant terminal to purchase a financial product in a financial activity having a plurality of possible outcomes; process involves a serious formula with a number of inputs.Price of financial product. Frip: Bettin' on them hurricanes again.Methods and Systems for Directing and Executing Certified Trading Interests; US 8,266,045 B2; September 11, 2012; Class 705/37; 29 claims; assigned to ITG Software Solutions, Inc.Confidential information that comprises data regarding first and second market participants; order and targeting parameters from the first participant; confidential trading interest information from the second participant; process involves identifying the second participant as a participant likely to take a contra side of the order, and routing the order to the second participant without revealing the participants' identities to each other.Targeted dissemination list of market participants based on confidential information and order and targeting parameters. Frip: Put I wants to know who I'm trading with.System and Method for Using Diversification Spreading for Risk Offset; US 8,266,046 B2; September 11, 2012; Class 705/37; 17 claims; assigned to Chicago Mercantile Exchange Inc.First market response of a first product in a portfolio; second market response of a second product in the portfolio; process involves calculating an offsetting effect between the first market response and the second market response, determining a diversification spread based on the offsetting effect derived between the first and second product, calculating a diversification spread credit based on the determined diversification spread, and adjusting a margin requirement for the portfolio.Diversification spread credit and adjusted margin requirement. Frip: Nine times out of ten, margin requirements adjust upwards. No kidding. That's a fact. Found it on the Internets.System and Method for Anonymously Matching Products or Services with a Consumer; US 8,266,048 B2; September 11, 2012; Class 705/37; 1 claims; assigned to NDEX Systems Inc.Consumer consumption profile, which is in a private repository where each profile is anonymous; repository of consumption objects such as vendors' products and services; process involves correlating parameters of the consumer's true consumption profile with parameters of the consumption object's profiles to find the best matches.List of best to worst matches between consumers and products. Frip: "Anonymously." Yeah, right.System and Method for Smart Hedging in an Electronic Trading Environment; US 8,266,049 B2; September 11, 2012; Class 705/37; 30 claims; assigned to Trading Technologies International, Inc.A first order for a first tradeable object and a second order for a second tradeable object, both orders being based on a spread strategy; upon receiving an indication that a quantity of the first order is filled, the method involves determining if the second order can be used to offset the quantity filled of the first order by determining if a price of the second order would result in achieving a desired spread price defined for the spread strategy.If the price results in the desired price, placement of the second order to offset the quantity filled for the first order in an attempt to achieve the desired spread price, and other stuff. Frip: Spreads, legs, sounds like cheerleader training.Biometric Risk Management; US 8,266,051 B2; September 11, 2012; Class 705/38; 22 claims; assigned to Goldman, Sachs & Co.Biometric profile data; financial transaction risk-related variables; process involves determining a correlation factor for each of one or more biometric profiles, where each correlation factor indicates a mathematical likelihood of a relationship between the biometric profile and the extracted biometric profile data and the financial transaction risk-related variables.Relevance ranked report of the selected biometric profiles. Frip: Make one youthful error, and in the eyes of the data collectors, you're scarred for life. Dynamic Credit Management; US 8,266,053 B2; September 11, 2012; Class 705/38; 20 claims; assigned to Accenture Global Services Limited (Ireland).Counterparty credit quality data associated with a transaction of the financial instrument between a party and a counterparty; debt market data associated with or relevant to the transaction.Dynamic credit limit that may be defined in terms of a credit exposure versus time. Frip: You not only have a credit limit, you have a dynamic credit limit. Enjoy.Method and System for Processing Data Related to a Deferred Annuity having a Minimum Contract Value; US 8,266,055 B2; September 11, 2012; Class 705/39; 20 claims; assigned to Hartford Fire Insurance Company.For an investment product having a guarantee of withdrawals available on a periodic basis, receiving data indicative of a request for a withdrawal from an account of the investment product, the amount of the withdrawal, and the amounts of any other withdrawals during a current time period.The amount that may be withdrawn from the account, the amount being the entire amount requested or a lesser amount. Frip: Eatin up your annuity, eh?Methods and Systems for Assigning Interchange Rates to Financial Transactions Using an Interchange Network; US 8,266,057 B2; September 11, 2012; Class 705/43; 18 claims; assigned to MasterCard International Incorporated.Financial transaction initiated by a cardholder using a card over a card interchange, the card having been issued by an issuer bank; the method includes the steps of storing issuer data within the interchange database, the issuer data including whether the issuer bank has entered into a special relationship with the interchange.Interchange rate. Frip: Isn't this how this whole plastic card thing started? September 18, 2012 Total 705 Class patents issued: 107 Data In-Data Out patents: at the very least, 18 PATENTDATA INDATA OUTSystem and Method of Providing Pricing Information; US 8,271,304 B1; 9/18/12; Class 705/4; 20 claims; assigned to USAA.Customer data; process involves dynamically updating an assumption set of customer characteristics, and acquiring feedback from the customer on the correctness of the updated assumptions. Estimations of prices for products. Frip: Of course, the prices are way more than you can afford.Method and Apparatus for Obtaining, Organizing, and Analyzing Multi-Source Data; US 8,271,364 B2; 9/18/12; Class 705/35; 17 claims; assigned to Bank of America Corporation.Internal customer data; Consumer Reporting Agencies data.Consumer credit market data base and data structure. Frip: Big Brother knows all, eh BofA?Systems and Methods for Financial Stress Testing; US 8,271,367 B1; 9/18/12; Class 705/35; 23 claims; assigned to WebEquity Solutions, LLC.Account type; stress amount for applying to the selected account type; input regarding financial information of a borrower.Stressed financial ratio for the borrower as a function of an unstressed financial ratio for the borrower, the stress amount, a numerator factor corresponding to the selected account type, and a denominator factor corresponding to the selected account type. Frip: My Life as a Ratio, by Ralph Denominator.Financial Modeling and Forecasting System; US 8,271,369 B2; 9/18/12; Class 705/36R; 17 claims.Data collected in a multi-user peer-to-peer collaborative environment over a data network by issuing functor requests through a workflow router to users for data and programs wherein one or more functor objects comprise collections of variables which can be acted on by methods.Large-scale simulation models. Frip: Functor? Sounds like something slightly inappropriate.Method of Partitioning Investments into Groups Using Relative Similarity of Investment Characteristics; US 8,271,370 B2; 9/18/12; Class 705/36R; 9 claims; assigned to Bdellium, Inc.Data on investments; process involves manipulating large data sets in myriad ways.Scores, segmented groups, and so much more. Frip: Patent on Big Data. Bet well be seeing many more of these.System and Method for Econometrically-Based Grant Management; US 8,271,372 B1; 9/18/12; Class 705/36R; 24 claims.Information describing a plurality of grant proposals that each have a start date and a distribution schedule that specifies at least one award; process involves calculating a conversion ratio that determines the percentage of grant proposals that are converted into successes.Projection in currency of future research funding, the projection being based on past successes that remain active and stuff. Frip: Should a patent on predicting the future be revocable if the predictions prove false?Systems and Methods for Monitoring Credit of Trading Counterparties; US 8,271,376 B2; 9/18/12; Class 705/37; 30 claims; assigned to BGC Partners, Inc.Monitored trades entered into and cleared by counterparties; process involves tracking the net and gross positions of counterparties and the counterparties' parent entities, triggering warnings when counterparties or their parent entities exceed a warning limit, and shutting-off counterparties' trading ability when counterparties exceed a credit limit.Shut-off of counterparties' trading ability when counterparties exceed a credit limit. Frip: Gotcha!System and Method for Creating a Market Map in an Electronic Trading Environment; US 8,271,377 B2; 9/18/12; Class 705/37; 19 claims; assigned to Trading Technologies International Inc.Market information and trader-related information associated with two or more tradable objects.Display of the information in relation to one or more common static axes, thus creating a "market map" that the user can adjust by altering parameters, or something. Frip: TTI, gettin a little tricky.Systems and Methods for Determining Thin-File Records and Determining Thin-File Risk Levels; US 8,271,378 B2; 9/18/12; Class 705/38; 11 claims; assigned to Experian Marketing Solutions, Inc.Existing scoreable and unscoreable records; process involves comparing records to determine factors correlated with having an unscoreable record, and developing a multi-level filter through which unscoreable records having at least one entry are compared to determine whether they are "good" or "bad" risks.Consumers who are likely to have unscoreable records but represent good risks. Frip: Crunch some data and you deadbeats might actually get some credit, provided you dont mind a 20 percent interest rate.System and Method for Selection of Payment Systems from a Payment System Directory to Process a Transaction; US 8,271,384 B2; 9/18/12; Class 705/40; 23 claims; assigned to American Express Travel Related Services Company, Inc.Directory of payment systems; query of the directory by a supplier of goods and services to locate payment systems to process a transaction based at least in part upon payment criteria. Identification of the located payment systems, along with rating information indicating an amount of matching between the located payment system and the payment criteria, wherein the transaction is at least partially processed with one or more of the located payment systems. Frip: Is this data in-data out, or just a lot of playing with data? September 25, 2012 Total 705 Class patents issued: 94 Data In-Data Out patents: at the very least, 15 IDENTITY INSURANCE TRANSACTION METHOD; US 8,275,636 B2; 9/25/2012; Class 705/4; 15 claims; assigned to American International Group, Inc.Credit score of a user trading counterpart, the amount and type of a user's or trading counterpart's past trading activity, the monetary amount, size, and type of transaction for which verification and/or insurance is sought, and the nature of the goods and/or services involved in the transaction for which verification and/or insurance is sought.Verification of parties and insurance guaranteeing parties are who they say they are. Frip: AIG, making up for the past?EARNINGS AT RISK METHOD AND SYSTEM; US 8,275,637 B1; 9/25/2012; Class 705/4; 9 claims; assigned to Allstate Insurance Company.Market data; asset data; policy data; process involves calculating economic scenarios, generating processing instructions, and calculating forecasts for earnings and earnings at risk.Display of the calculated earnings at risk forecasts. Frip: The concept of earnings at risk is wagging everyones needle.CAPACITY PLANNING FOR USER WAIT TIME; US 8,275,650 B1; 9/25/2012; Class 705/7.36; 17 claims; assigned to Bank of America Corporation.Transaction-level data, session-level data, user wait time data, and other data; process uses an enhanced self-service financial transaction device (SSFTD) user wait time model to identify recommendations and other statistical outputs.Determination of when installation of additional self-service financial transaction devices (SSFTDs) may be desired at a site to improve end-to-end user experience. Frip: Gimmie one of them SSFTDs.Systems and methods for consumer price index determination using panel-based and point-of-sale market research data; US 8,275,682 B2; 9/25/2012; Class 705/35; 29 claims; assigned to The Nielsen Company (US), LLC.Market research data determined by monitoring items purchased by a plurality of statistically-selected panelists; retail site market research data for items sold by a plurality of retail sites; process includes combining the data to determine weighted equivalent unit pricing information.A consumer price index. Frip: Nielsens been around awhile; must have a bunch of patents by this time.Systems and methods for deposit predictions based upon Monte Carlo analysis; US 8,275,683 B2; 9/25/2012; Class 705/35; 33 claims; assigned to Fiserv, Inc.Deposit information associated with a plurality of deposits for a deposit account of a financial institution customer, where the deposit information includes a plurality of deposit amounts; respective date associated with each of the plurality of deposit amounts; process involves applying a Monte Carlo analysis to at least a portion of the deposit information.Identified largest total monetary amount, which becomes the basis for providing or offering one or more financial services to the financial institution customer. Frip: Monte Carlo analysis. Brings back fond memories of Business 201.Determining a payment strategy; US 8,275,685 B2; 9/25/2012; Class 705/35; 25 claims; assigned to Bank of America Corporation.Data on a users accounts and their transaction history.Payment strategy recommendation, the strategy providing perhaps a recommended number of payments, the payment amount for each payment, and the payment date for each payment. Frip: BofA, reeling in those patents.Methods for measuring hedging value-at-risk and profitability; US 8,275,686 B2; 9/25/2012; Class 705/36R; 17 claims; assigned to The Bank of New York Mellon Corporation.Information defining an industry average interest rate used by banks for short term funding and a principal benchmark for floating rate interest payments for tax-exempt issuers associated with a transaction, the information including respective rate settings and a current swap spread difference between a percentage of the industry average interest rate and the principal benchmark; discount rates confirmed by a user; process involves calculating value at risk (VAR) and one or more risk-return metrics for the transaction using the current swap spread difference.Estimate of risk in a transaction including VAR and a discount curve for the transaction. Frip: Wow! A patent on VAR!Personalized financial illustration, guidance and advisory system for reference-date dependent investments; US 8,275,688 B2; 9/25/2012; Class 705/36R; 25 claims; assigned to Business Logic Corporation.Asset allocation glide paths representing asset allocation trajectories over time with respect to reference dates; set of representative investor profiles for each of said asset allocation glide paths; profile of a particular investor.Simulated future of the investor with target wealth goals and periodic reports illustrating progress toward goals and highlighting distribution of potential risky outcomes. Frip: Im gonna get rich!Computer based method of pricing equity indexed annuity product with guaranteed lifetime income benefits; US 8,275,689 B2; 9/25/2012; Class 705/36R; 5 claims; assigned to Genesis Financial Products, Inc.Data on a set of owners, the data including dates of birth, a rider charge, a lifetime income percentage scale, a set of profitability requirements, a principal amount, and an account value.Equity-indexed annuity that provides guaranteed lifetime income benefits in addition to providing adjustability in payment timing, access to the principal, and income that can increase as the stock index increases. Frip: Im gonna get even richer!Method and apparatus for enabling smaller investors or others to create and manage a portfolio of securities or other assets or liabilities on a cost effective basis; US 8,275,690 B2; 9/25/2012; Class 705/36R; 8 claims; assigned to FOLIOn, Inc.An investors investment preferences, which are provided interactively.A portfolio that can be modified, with trading orders being aggregated with orders by other investors, a result being better executions and lower costs. Frip: Im talking filthy rich!System and method for automatic trading of foreign exchange currencies; US 8,275,692 B2; 9/25/2012; Class 705/37; 37 claims; assigned to Barclays Bank PLC (UK).Order data related to one or more order parameters of one or more foreign exchange currency trades; process involves generating configuration data related to configuration of each of the one or more trades.Automatic execution of the trades. Frip: Twenty more human traders, outta work.Repositioning of market information on trading screens; US 8,275,696 B2; 9/25/2012; Class 705/37; 23 claims; assigned to Trading Technologies International Inc.Real-time market data that is graphically positioned on an interface around an item of interest such as the best bid price, the best ask price, the inside market, a moving average, a last traded price, a theoretical value, the result of an equation, or some other item of interest to the trader; occurrence of some event.Repositioned display of market information. Frip: Never a week goes by without a contribution by TTI. Lender rating system and method; US 8,275,700 B2; 9/25/2012; Class 705/38; 24 claims.Lender information such as prefunding operating controls and repurchase history.Lender ratings that serve as a basis to compare lenders to their peers to assist, for example, investors in making purchasing decisions or insurers for setting pricing for warranty and representation insurance. Frip: What, some lenders are a bit shady?! Well Ill be a stomped on toad frog.Method and system for mortgage exchange; US 8,275,701 B2; 9/25/2012; Class 705/38; 20 claims; assigned to Altisource Solutions S.a.r.l (Luxembourg).Borrower information; information on multiple loan products; process involves the generation of a decision matrix for the borrower comprising an extrapolation of a combination of the borrower data and the plurality of loan product data to provide an accurate description of the borrower's qualification for specific loan products.List of loans the borrower is approved for, and after a loan selection is made, processing, funding, and closing of the loan. Frip: More former lending officers on the unemployment lines.Methods and systems for normalized identification and prediction of insurance policy profitability; US 8,275,707 B1; 9/25/2012; Class 705/40; 19 claims; assigned to the Chubb Corporation.Scores for insurance policies, said scores being established from raw data representing at least some of the insurance policies; process involves lots of manipulations.Normalized insurance quality index of insurance policies. Frip: Hey, normalize this. October 2, 2012 Total 705 Class patents issued: 81 Data In-Data Out patents: at the very least, 10 PATENTDATA INDATA OUTMethod and system for recommending a change of bank account based on actual financial data; US 8,280,787 B1; 10/2/2012; class 705/30; 14 claims; assigned to Intuit Inc.Consumer financial data, financial transaction data, and banking transaction data associated with a given consumer; data representing one or more bank accounts currently available; process involves analyzing financial transaction data to identify one or more consumer bank account usage attributes associated with the given consumer.Selection of and provision of access to an appropriate bank account. Frip: But I dont want this bank account! Tough.Price earnings derivative financial product; US 8,280,794 B1; 10/2/2012; class 705/35; 24 claims; assigned to JPMorgan Chase Bank, NA.An algorithm for calculating a ratio of a strike price to earnings; at least one equity; a quantity; a maturity algorithm; process involves calculating a payoff ratio.Calculated payoff, which becomes at least part of a transaction. Frip: A few equations equal a patent.Closing in an electronic market; US 8,280,797 B2; 10/2/2012; class 705/36R; 19 claims; assigned to The NASDAQ OMX Group, Inc.Closing orders and orders for a security traded in the electronic market; process involves disseminating an order imbalance indicator indicative of predicted trading characteristics of the security at the close of trading, determining a closing price for the security based on the closing orders and orders, and executing at least some of the closing orders at the determined closing price.Executed orders. Frip: Computers, tradin with each other, gettin wealthy. Humans, becomin superfluous, gettin poor.Fund for hedging real estate ownership risk using financial portfolio theory and data feed for analyzing the financial performance of a portfolio that includes real estate; US 8,280,798 B1; 10/2/2012; class 705/36R; 32 claims.Target range for investment ratio; target geographic area; process includes identifying a model composite portfolio, which involves a bunch of stuff.Investment fund for individual investors, each of whom has an investment ratio defined by a dollar amount of direct real estate investments held by the investor outside of the fund divided by a dollar amount of shares in the fund held by the individual investor. Frip: Hedging real estate investments. Good luck with that.System and method for dynamically changing an electronic trade order quantity; US 8,280,801 B2; 10/2/2012; class 705/37; 24 claims; assigned to Trading Technologies International, Inc.Market data; process includes determining by an automated trading tool if a leaned on quantity of a trading strategy has increased or decreased and if so, dynamically changing a desired order quantity to reflect the change in the leaned on quantity.Changed order. Frip: Lean on me, Im not sorry. . .System and method for decisions in trading financial instruments; US 8,280,802 B1; 10/2/2012; class 705/37; 33 claims.Market data.Computer plot of a resistance line for the price of the tradable financial instrument, a support line for the price of the tradable instrument, and a transition point at which the price of the tradable instrument is predicted as being in either an upward trend or a downward trend. Frip: Three plots equal one patent.System and method for providing a linear spread; US 8,280,803 B2; 10/2/2012; class 705/37; 18 claims; assigned to Trading Technologies International, Inc.Market information associated with a trading strategy, known as a spread; market volatility parameter; a divide spread algorithm.A linear spread price axis, at which price levels are separated by consistent linear tick increments. Frip: Spread em, literally that is.Evaluation and adjustment of settlement value curves; US 8,280,804 B2; 10/2/2012; class 705/37; 20 claims; assigned to Chicago Mercantile Exchange, Inc.Series of consecutive settlement values for a derivative product; a threshold; process involves determining that a difference between a first settlement value in a pair and a second settlement value in the pair exceeds a threshold; process is useful in connection with providing discount factors for an exchange-traded mark-to-market derivative product that has a variable tick rate.If threshold exceeded, the setting of the second settlement value to a new value and the calculation of a mark-to-market settlement value for the derivative product based on the first settlement value and the new value. Frip: What are they talking about?Systems and methods for determining the likelihood that a loan closes; US 8,280,806 B1; 10/2/2012; class 705/38; 20 claims; assigned to Freddie Mac.Application information, including at least borrower information, property information, and a first interest rate; home value information; a second interest rate.Indication representing a likelihood that a mortgage loan may result in closing. Frip: Freddie? You still here?System and method for providing debt protection for financial overdraft account; US 8,280,813 B2; 10/2/2012; class 705/40; 31 claims; assigned to Associated Banc-Corp.An overdraft; information establishing an occurrence of one of a selected plurality of adverse events, such as death, disability, or involuntary unemployment, experienced by the user.Adverse event occurrence signal triggering a debt protection program that automatically repays the overdraft in full including cost and fees up to a predetermined maximum amount. Frip: Hey, Im dead! I dont give two hoots about overdraft protection! October 9, 2012 Total 705 Class patents issued: 93 Data In-Data Out patents: at the very least, 7 PATENTDATA INDATA OUTSystem and method of determining the quality of enhanced transaction data; US 8,285,610 B2; 10/9/2012; Class 705/30; 24 claims; assigned to Visa U.S.A. Inc.Enhanced transaction data; quality check criteria.Quality of the enhance transaction data. Frip: Nothing better than good data. Construction industry risk management clearinghouse; US 8,285,615 B2; 10/9/2012; Class 705/35; 5 claims; assigned to Goldman Sachs & Co.Data relevant to the construction industry from multiple sources; embodiments of the invention relate to systems, methods, apparatus, computer program code, and means to conduct due diligence and research and make informed decisions to manage Risks related to the business, manufacture, repair, maintenance and finance of man-made structures.Report relating to risk due diligence. Frip: Hard to associate a Wall Street Bank with hammers and nails.Method and system for dynamically producing detailed trade payment experience for enhancing credit evaluation; US 8,285,616 B2; 10/9/2012; Class 705/35; 13 claims; assigned to The Dun & Bradstreet Corporation.Data about trade payment experience of entities; request for enhanced credit evaluation report about an entity of interest; user-specified rules or criteria for evaluating credit of the entity of interest; process involves selecting trade experiences for the entity of interest and for a peer group.Credit evaluation report of the entity of interest. Frip: D&B, maybe a defensive patent?Stock market prediction using natural language processing; US 8,285,619 B2; 10/9/2012; Class 705/36R; 7 claims.On-line news feeds and similar real-time sources; process involves natural language processing.Predictions of changes in stock prices and volatilities. Frip: What if your natural language contains a lot of obscenities?Methods and systems for building and managing portfolios based on ordinal ranks of securities; US 8,285,620 B1; 10/9/2012; Class 705/36R; 14 claims; assigned to Westpeak Global Advisors, LLC.Data on financial instruments; process involves determining portfolio weights for financial instruments based on a ranking associated with each instrument, a cutoff rank, and a risk multiplier.Long-term portfolio weight. Frip: Crunching them numbers.Method and system for providing budgeting recommendations based on financial data from similarly situated individuals; US 8,285,622 B1; 10/9/2012; Class 705/36R; 24 claims; assigned to Intuit Inc.Financial data about an individual and his or her peers; process involves lots of comparing and manipulating of data.Budget recommendations for the individual. Frip: But what if youre not similar to anybody?Authorization request for financial transactions; US 8,285,637 B2; 10/9/2012; Class 705/38; 14 claims; assigned to American Express Travel Related Services Company, Inc.Real-time information from a merchant on products involved in a financial transaction; process involves the receiving financial institution identifying financial risk associated with the transaction and making a decision as to whether to authorize the merchant to carry out the transaction.Notification to the merchant regarding the decision about the authorization of the financial transaction. Frip: Big Brother stayin one step ahead of you fraudsters out there. October 16, 2012 Total 705 Class patents issued: 97 Data In-Data Out patents: at the very least, 12 PATENTDATA INDATA OUTMethod and system for determining a risk of losses; US 8,290,793 B2; 10/16/2012; Class 705/4; 27 claims; assigned to Swiss Reinsurance Company Ldt. (Switzerland).Line of business; historical data regarding losses associated with the selected line of business; process includes determining a tail characteristic and a tail threshold for the selected line of business, and selecting a loss distribution function having a cumulative distribution function with a negative second derivative based on the tail characteristic and the tail threshold specific to the line of business.Loss distribution for the selected line of business. Frip: Cumulative distribution function with a negative second derivative. Heres the question: can the patent examiner explain that?Method for using environmental classification to assist in financial management and services; US 8,290,795 B2; 10/16/2012; Class 705/4; 3 claims; assigned to Pioneer Hi-Bred International, Inc.Evaluation, according to an environmental classification system, of use of agricultural inputs for a land base associated with a producer; process includes determining (1) a recommended agricultural input of the agricultural inputs and (2) a production risk associated with using the recommended agricultural input.Crop insurance policy. Frip: Data in-data out, pure and simple.Determination of surety quote metric; US 8,290,798 B1; 10/16/2012; Class 705/4; 29 claims; assigned to The Travelers Indemnity Company.Information descriptive of (1) a net worth of a potential surety customer and (2) a credit rating of the potential surety customer; process involves a number of intermediate calculations, determinations, and selections, including the selection of one of a set of maximum exposure matrices.Surety quote metrics Frip: Insurance stuff causes head to hurt.Systems and methods for financial instrument inspection; US 8,290,837 B2; 10/16/2012; Class 705/35; 23 claims; assigned to BGC Partners, Inc.Financial data; process includes selection of the type and presentation format of financial performance data to be displayed when the user selects a particular investment instrument.Display of information on financial instruments and trades thereof. Frip: Graphic display patents are getting more complex. Computer driven simulator and optimizer for distributed capture implementation; US 8,290,839 B1; 10/16/2012; Class 705/35; 10 claims; assigned to Wells Fargo Bank, N.A.Data; simulation parameters; simulation assumptions; process involves simulating and analyzing financial aspects of implementation of a plan to convert existing depository locations of a banking institution to distributed capture technology.Rankings of the various simulation results. Frip: More banking locations, fewer bank employees. So much for job creation.Method for determining insurance benefits and premiums from dynamic credit information; US 8,290,840 B2; 10/16/2012; Class 705/35; 14 claims; assigned to ConsumerInfo.com, Inc.Credit information on an individual registered in the program; process involves determining the total debt of the individual, the amount of debt to be covered by credit life insurance benefits, and other stuff. Credit life insurance benefits for the individual. Frip: Credit life insurance. Exactly what is that?System and method for presenting quasi-periodic activity; US 8,290,845 B2; 10/16/2012; Class 705/35; 20 claims; assigned to FIS Financial Compliance, LLC.Data describing a plurality of valid activities, each valid activity having a plurality of attributes, each attribute having a value; an indication of suspect activity; process involves comparing the suspect activity to the valid activities.Facts associated with the potentially fraudulent activity for further analysis and investigation. Frip: Catchin the bad guys.Methods, apparatus and computer program products for use in association with joint ventures and/or potential joint ventures; US 8,290,847 B2; 10/16/2012; Class 705/36R; 24 claims; assigned to General Electric Capital Corporation.Financial information associated with a joint venture; user-defined hurdle set.Amount of a distribution based at least in part on the financial information and one or more hurdle sets. Frip: Hurdle set?System and method for establishing an index for spectrum used to support wireless communications; US 8,290,848 B2; 10/16/2012; Class 705/36R; 14 claims; assigned to Spectrum Bridge, Inc.Data for publicly traded companies; process involves determining a spectrum value for each company, determining various weightings, and combining stuff.Spectrum index value as a function of financial data for selected publicly traded companies and spectrum-related data for the selected companies. Frip: Ah, the fights for spectrum gather steam.System and method for optimizing the frequency of market information updates in an electronic trading environment; US 8,290,850 B1; 10/16/2012; Class 705/37; 21 claims; assigned to Trading Technologies International, Inc.Real-time market information; example method includes associating different precedence levels with messages comprising market information, with messages containing market information related to the inside market maybe being associated to a higher precedence level.Update of graphic user interface with a message of high precedence level, and storage of messages with lower precedence levels. Frip: TTI, keepin em coming.Model-based selection of trade execution strategies; US 8,290,852 B2; 10/16/2012; Class 705/37; 20 claims; assigned to Goldman, Sachs & Co.Trade order; multi-dimensional model having at least three dimensions, each dimension pertaining to order difficulty of a trade order; processing involves mapping the multi-dimensional model into multiple execution strategies such that different execution strategies are associated with different levels of order difficulty, and assessing the order difficulty of the trade order.Selection, based on the assessed order difficulty, of at least one of the execution strategies to execute the trade order. Frip: Wow! A 3D model to lose your money.Systems and methods for credit management risk rating and approval; US 8,290,857 B2; 10/16/2012; Class 705/38; 16 claims; assigned to The PNC Financial Services Group, Inc.Financial information, non-financial information, and sector information regarding the borrower, the information derived from the scores of answers to qualitative questions; process involves calculating a probability of default rating of the borrower and calculating a loss given default rating for the borrower, and integrating the results of the calculations with other information to produce a credit memorandum.Credit memorandum that a user can use to recommend approval or denial of the credit offering. Frip: Your credit finished! October 23, 2012 Total 705 Class patents issued: 87 Data In-Data Out patents: at the very least, 12 PATENTDATA INDATA OUTConnecting decisions through customer transaction profiles; US 8,296,205 B2; 10/23/2012; Class 705/35; 17 claims; assigned to Fair Isaac Corporation.Hierarchy of relationships among financial services, channels, or both; summary of transactional behaviors of a customer related to each of the financial services and channels; process involves generating a customer level transactional behavior summary and a customer profile.Score for a risk decision for one or more specific services, channels, or whatever. Frip: Youve been algorithmed to the least common denominator.Method and system for providing intelligent targeted budgeting using financial transaction data from similarly situated individuals; US 8,296,206 B1; 10/23/2012; Class 705/35; 17 claims; assigned to Intuit Inc.Financial data associated with multiple individuals; financial data associated with a given individual; process involves creating peer group financial profiles to which the individuals financial profile is compared.Budget analysis and recommendations for the individual. Frip: Were all above average.Backward/forward trading contracts based on REIT-based pure property return indexes; US 8,296,207 B2; 10/23/2012; Class 705/35; 15 claims; assigned to Massachusetts Institute Of Technology and National Real Estate Investment Trusts.REIT return data from each REIT of a plurality of REITs at a predetermined frequency; process involves processing the REIT return data according to exposures to each of a plurality of target characteristics to obtain coefficients reflecting each REIT's weight in an index, then generating an index according to the REITs, the obtained coefficients, and the weights. Second index that approximates prices in the private property market. Frip: MIT in the REIT business.Weather derivative volatility surface estimation; US 8,296,210 B2; 10/23/2012; Class 705/36; 17 claims; assigned to Chicago Mercantile Exchange Inc.Volatility levels for weather derivative option contracts having a range of strike prices and a range of times to maturity, using an option volatility model; process involves identifying any of the weather derivative option contract volatility levels that deviate from adjoining volatility levels by a predetermined threshold, and replacing them with either weather derivative futures contracts volatility levels or meteorological volatility levels.Display of an implied volatility surface that includes volatility levels for at least some of the weather derivative option contracts and at least either a volatility level for a weather derivative futures contract or a meteorological volatility level. Frip: And you thought weather was complicated. Its simple when compared to betting on the weather.Method of analyzing investments using standardized performance measurements; US 8,296,211 B2; 10/23/2012; Class 705/36R; 31 claims; assigned to Bdellium, Inc.Historical performance data for investments; process can involve pre-existing or personally defined quantitative measurement algorithms, user-defined weightings for various performance measurements, segmentation into peer groups, comparisons, and so on.Analysis of investments. Frip: Perfecto!Using commercial share of wallet to rate investments; US 8,296,213 B2; 10/23/2012; Class 705/36R; 14 claims; assigned to American Express Travel Related Services Company, Inc.Financial statement data of each company in a plurality of companies; total known business spending of each company; model of industry spending patterns; process involves determining the commercial size of spending wallet for a plurality of companies in which an investment fund is invested.Quality rating for the investment fund based on the commercial size of spending wallet for the plurality of companies. Frip: American Express just cant get enough of this share of wallet stuff.Methods and apparatus related to billing and accounting for assets that require more than two factors to establish asset value; US 8,296,214 B1; 10/23/2012; Class 705/36R; 20 claims.Quantity of an asset and a value of a multiplier fund, which is based at least in part on an adjustment value, which in turn is based at least in part on a value of an index at a first time, the value of the index at a second time, and a multiplier value associated with the multiplier fund.Signal indicating value of the asset at the second time, the value of the multiplier fund, and the adjustment value. Frip: Quick, without looking, what is this about?Quote and order entry interface; US 8,296,220 B2; 10/23/2012; Class 705/37; 20 claims; assigned to T.D. Ameritrade IP Company, Inc.Stock market information and financial data information.Display of the information using an arrangement of juxtaposed bands, each band having a variable width dependent upon a component of the received information corresponding to that band, and the bands being in a concentric arrangement. Frip: Cute display. Really.Methods and systems related to securities trading; US 8,296,221 B1; 10/23/2012; Class 705/37; 22 claims; assigned to Alpha Vision Services, LLC.Electronic data describing a trading order for a market-traded security; process involves checking the data describing the trading order against one or more sets of conditions, identifying a class of trading algorithms appropriate for execution of the trading order, selecting one or more trading algorithms, and commencing execution of the trading order via the selected one or more trading algorithms.Executed trading order. Frip: Those algorithms again.Time-efficient and deterministic adaptive score calibration techniques for maintaining a predefined score distribution; US 8,296,225 B2; 10/23/2012; Class 705/38; 10 claims; assigned to Fair Isaac Corporation.Transaction data for financial transactions; process involves scoring each of the financial transactions based on the transaction data to generate a batch of scores for the financial transactions, dividing a score range into k bins with each of the k bins representing one memory space, aggregating the batch of scores by storing a count of each score in an associated memory space, and computing a percentile for each score based on a set of values associated with the count of each score.Percentile of the new score, which is translated to a calibration score with fixed percentile characteristics according to a fixed reference curve. Frip: Well, la-de-da.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; US 8,296,227 B2; 10/23/2012; Class 705/38; 7 claims; assigned to Metabank.Expected tax refund amount.New credit or additional credit to demand deposit accounts, prepaid cards, and existing lines of credit of customer getting the tax refund. Frip: Nice, but only the one percent get refunds, right?Systems and methods for screening payment transactions; US 8,296,232B2; 10/23/2012; Class 705/39; 17 claims; assigned to Visa International Service Association.From a sending financial institution, information about a set of attributes associated with a sending entity and a set of attributes associated with a receiving entity for a money transfer transaction; process involves searching a database about the attributes, and determining for and communicating a risk score to the sending financial institution.Risk score and validation code. Frip: You go, Visa. October 30, 2012 Total 705 Class patents issued: 117 Data In-Data Out patents: at the very least, 11 PATENTDATA INDATA OUTMethod for forecasting housing prices using a dynamic error correction model; US 8,301,459 B1; 10/30/2012; Class 705/1.1; 21 claims; assigned to Freddie Mac.Historical data from a second housing sub-market; process involves deriving a price index for the second housing sub-market, and calculating an error correcting function for the first housing sub-market.Estimate of the price of the property in the first housing sub-market. Frip: Freddie Mac, not giving up.Method for maximizing retirement income using financial bridge products and deferred social security income; US 8,301,526 B2; 10/30/2012; Class 705/35; 10 claims; assigned to The Prudential Insurance Company of America.Financial information about a client and spouse; process involves modeling a variety of income scenarios, each model including income from a bridge product and deferred Social Security income, and projecting alternate funding approaches.Optimal scenario for maximizing retirement income. Frip: But what if the social security system goes belly-up?Apparatus and methods for handling trading data; US 8,301,531 B2; 10/30/2012; Class 705/35; 16 claims; assigned to The World Markets Company PLC (UK).Price samples of a currency over a period of time; process involves forming an historical record of price samples, categorizing the received price samples, deriving a fixed price based on the samples categorized as valid, enabling the dealing party to receive after a fixing time a record of the reference price fixed at the fixing time, and enabling the dealing party to settle each of the accepted orders with the respective clients in accordance with the prices defined by reference to the reference price.Settled prices. Frip: So besides manipulating data, what is this patent about?System and method for preventing cross trading; US 8,301,532 B2; 10/30/2012; Class 705/35; 18 claims; assigned to Trading Technologies International, Inc.Information regarding the current state in the market.Appropriate action to prevent the crossing of orders. Frip: If Ive told you once Ive told you a hundred times. Dont cross your orders.System and method for analyzing and searching financial instrument data; US 8,301,535 B1; 10/30/2012; Class 705/36R; 48 claims; assigned to Power Financial Group, Inc.Financial data associated with stocks and stock options from multiple sources; values derived from calculations for a set of searchable screening parameters related to searching stock option spreads; user-supplied values and ranges of values for searching the set of searchable screening parameters.Set of option spreads or other investment strategies, in sorted order, that satisfies the investor-supplied search values. Frip: Enabling an investor to go belly-up.System and method for estimating portfolio risk using an infinitely divisible distribution; US 8,301,537 B1; 10/30/2012; Class 705/36R; 20 claims; assigned to Finanlytica, Inc.Time series comprising a plurality of risk factors applicable over at least one time horizon; portfolio comprising a plurality of financial assets; one or more risk adjusted return points for the financial assets, the assets being associated with the risk factors; process involves estimating parameters of one or more risk factors such as financial returns series based on an infinitely divisible tempered stable distribution model exhibiting leptokurtic behavior, and generating scenarios for the model.Output comprising at least one of value at risk, average value at risk, option price, and portfolio optimization. Frip: You lost me at leptokurtic behavior.System and method for selecting securities for an investment portfolio; US 8,301,538 B2; 10/30/2012; Class 705/36R; 19 claims; assigned to First Trust Portfolios L.P.Information on a selection of securities, the selection being based at least in part on market capitalization; process involves scoring each stock using growth and value factors to generate one or more growth scores and one or more value scores, determining a selection score for each stock, ranking the stocks according to selection scores, eliminating a predetermined amount of stocks based on the selection score ranking, and splitting the remaining stocks into sub-groups.Stock portfolio for an exchange-traded fund. Frip: Slicing and dicing.Method and apparatus of analyzing social network data to identify a financial market trend; US 8,301,545 B1; 10/30/2012; Class 705/37; 21 claims; assigned to Yahoo! Inc.For a financial market instrument, a number of messages of a plurality of messages occurring during a time span and containing a reference to a certain financial market instrument, the messages being from at least one social networking service; process involves counting and analyzing the messages and comparing the results to messages during the period for other financial instruments.Trend associated with a financial market instrument. Frip: So now youre basing your investment decisions on tweets?System and method for providing market updates in an electronic trading environment; US 8,301,546 B2; 10/30/2012; Class 705/37; 34 claims; assigned to Trading Technologies International, Inc.Real-time market updates; triggering events. Modified market updates, the modification being in response to the triggering events and pertaining to stuff like the amount of data provided or the frequency of the updates. Frip: TTI, bringing home the bacon.Methods and systems related to securities trading; US 8,301,548 B1; 10/30/2012; Class 705/37; 23 claims; assigned to Alpha Vision Services, LLC.Data describing an executed trading order in a market traded security and related trade execution data; process involves estimating a price of the market traded security if the executed trading order had not been executed, and transmitting the impact-free price estimate.Impact-free price estimate. Frip: Wantin to know where every penny goes.Emerging trends lifecycle management; US 8,301,563 B2; 10/30/2012; Class 705/42; 13 claims; assigned to Wells Fargo Bank, N.A.Idea relating to the generation or modification of an application; process involves analyzing the idea based upon a set of metrics, establishing a scoreboard based upon the analysis to quantify the idea, and determining a viability of the idea based upon the scoreboardwhich includes a strategic value component, a business value component, an innovation score component, a complexity component, and an execution velocity componentthat quantifies the idea based upon a policy, preference, threshold, benchmark, or any combination thereof.Model for rapid innovation with a quality emphasis through efficient pipeline management, or something. Frip: Jargon 101. November 6, 2012 Total 705 Class patents issued: 100 Data In-Data Out patents: at the very least, 14 PATENTDATA INDATA OUTSpatial database system for generation of weather event and risk reports; US 7,949,548 C1 (485th); 11/6/2012; Class 705/4; 70 claims; assigned to Guy Carpenter & Company (Reexamination)Weather data and updates; insurer portfolio data by geographic location; risk thresholds for the insurer portfolio; process involves determining the effects of weather on the portfolio by geographic location. Monetary exposure based on geographic locations. Frip: Hurricane Sandy anyone?Insurance benefits estimator; US 8,306,832 B2; 11/6/2012; Class 705/4; 20 claims; assigned to Maxn Systems, Inc.Cost parameters and reimbursement parameters of different medical insurance plans; individual risk factors such as age; customer designed risk scenarios; process involves ranking insurance plans, and invention is geared toward providing international travelers with appropriate insurance.Ranked comparison result of the cost of, and reimbursement benefits provided by, the different medical insurance plans. Frip: Do they have malaria in Malawi?Employee feedback and problem management portal; US 8,306,843 B1; 11/6/2012; Class 705/7.27; 24 claims; assigned to Bank of America Corporation.Information relating to a company employee hierarchy; information relating to the submission of a suggestion by a first employee; information relating to the status of the suggestion, which may include an identification of a second employee who has viewed the suggestion.Display on a graphical user interface of a visual representation of a path traveled by the suggestion through at least a part of the company employee hierarchy, and other stuff. Frip: Great. On a computer screen you can follow the path of your suggestion right into an icon of a crapper.System and method for strategizing interactions with a client base; US 8,306,850 B2; 11/6/2012; Class 705/7.33; 48 claims; assigned to Branch Banking & Trust Company.Information about consumers and particular products and services held or used by the consumers, the information being contained in a database.Evaluations of strategies for sales, marketing, cross-selling, retention, or other interactions with one or more of the consumers, the evaluations possibly including, for example, hierarchically ranking the consumers, determining a clustering of the consumers, or both. Frip: Big Brother got your number.System and method for presenting fraud detection information; US 8,306,889 B2; 11/6/2012; Class 705/35; 24 claims; assigned to FIS Financial Compliance Solutions, LLC.Empirical data; process involves analyzing empirical data to detect potentially fraudulent activity and alerting users of the potentially fraudulent activity via a fraud detection user interface..Presentation of potentially fraudulent activity and facts associated with the potentially fraudulent activity. Frip: FRAUD!Determining commercial share of wallet; US 8,306,890 B2; 11/6/2012; Class 705/35; 20 claims; assigned to American Express Travel Related Services Company, Inc.Company financial data; business spending of the company; trade credit data; model of industry spending patterns.Estimate of commercial size of spending wallet. Frip: American Express is addicted to this share of wallet stuff. Someone must have had a very persuasive professor in business school.Potential-based asset comparison; US 8,306,891 B1; 11/6/2012; Class 705/36R; 21 claims; assigned to c4cast.com, Inc.Historical data values for a set of factors; historical data for observed market values; process involves comparing two assets in various ways.Recommendations to buy or sell compared assets, or something like that, the system being particularly applicable in connection with comparing a managed portfolio, such as a mutual fund, against an index that a portfolio manager is attempting to track. Frip: The comparison theory of investing.Fixed income securities index; US 8,306,892 B1; 11/6/2012; Class 705/36R; 22 claims; assigned to Pacific Investment Management Company LLC.Regional weight for each of one or more regions, and, for each of the regions, a category weight for each of one or more categories of financial instruments issued from the region; process includes programmatically calculating, for the categories and regions, subindices based at least in part on the constituent financial instruments, and determining a financial index.Value of a financial index. Frip: Do a little arithmetic and youve got yourself a financial index.Economic intelligence; US 8,306,894 B2; 11/6/2012; Class 705/36R; 20 claims; assigned to Bank of America Corporation.Transactional data; process includes the calculation of sub-scores that may include an account sub-score, an investment sub-score, a discretionary sub-score, or two or more of them.Index scores that may result in an index of economic conditions. Frip: Could you guys just cash my check?Portfolio confirmation and certification platform; US 8,306,895 B1; 11/6/2012; Class 705/36R; 28 claims; assigned to Morgan Stanley Fund Services, Inc.Assets and liabilities of a hedge fund and a fund-provided value of each asset and liability; corroborating data from a third party independent of the hedge fund.Reports on risk and performance data and confirmation and certification of information reported by a hedge fund to its investors. Frip: You mean hedge funds have real values?!Method and system to solve dynamic multi-factor models in finance; US 8,306,896 B2; 11/6/2012; Class 705/36R; 18 claims; assigned to Markov Processes International, LLC.Performance data of an asset collection for multiple time intervals; data related to at least one factor for the time intervals; process involves estimating time-varying factor exposures in a financial or economic model or problem, through the solution of a multi-factor dynamic optimization of the model or problem, while meeting the constraints for the estimated time-varying factor exposures in the model or problem.Estimates for time-varying factor exposures. Frip: And you wonder where the financial collapse of 2007-09 originated.Online purchasing system supporting sellers with affordability screening; US 8,306,898 B2; 11/6/2012; Class 705/36R; 80 claims.Information regarding a product being offered for sale; personal or credit information relating to the potential buyer; process involves identifying multiple financing options that may be used to finance the purchase of the product.Display of the financing options. Frip: At last, something simple.System and method for offering risk-based interest rates in a credit instrument; US 8,306,907 B2; 11/6/2012; Class 705/38; 14 claims; assigned to JPMorgan Chase Bank N.A.Credit history data; process involves calculating interest rates based on the credit history data and credit risk scores, and coming up with an offer for a credit instrument to communicate to a consumer.Communication to a consumer of a multi-tiered offer to apply for a credit instrument. Frip: Smart consumer say, No thankee.Intelligent collections models; US 8,306,909 B2; 11/6/2012; Class 705/38; 21 claims; assigned to Accenture Global Services Limited (Ireland).Raw credit data; tax form data; process involves a collections model to determine a collections score, the model including score bands, each score band being associated with a range of credit scores.Collections treatment type, which is based on the collections score. Frip: The type of collections treatment appropriate for you is a knee-capping baseball bat. November 13, 2012 Total 705 Class patents issued: 110 Data In-Data Out patents: at the very least, 14 PATENTDATA INDATA OUTApplication risk framework; US 8,311,873 B2; 11/13/2012; Class 705/7.28; 17 claims; assigned to Bank of America Corporation.Product risk value for each of one or more products included in an application; technical risk score based on the product risk value of each of the one or more products, the technical risk score being comprised of a weighted summation of a declining software score, a not-permitted software risk score, a declining hardware risk score, and a not-permitted hardware risk score; a business criticality score based on an application profile associated with the application.Application risk score, which is the result of transforming the technical risk score and the business criticality score in accordance with a pre-determined algorithm. Frip: Well, why not?Conversion engine and financial reporting system using the conversion engine; US 8,311,908 B2; 11/13/2012; Class 705/30; 11 claims; assigned to Sumitomo Mitsui Banking Corporation and Oracle International Corporation.Journal entries conforming to a first reporting standard; rules database comprising one or more rules tables for storing conversion rules for converting journal entries from the first reporting standard to a second reporting standard.Journal entries conforming to the second reporting standard. Frip: 800 more accountants, out of work.Methods and systems for case budgeting and expense reduction; US 8,311,909 B2; 11/13/2012; Class 705/32; 21 claims; assigned to Citibank, N.A.Case budget information consisting at least in part of identification, billing rate, and hours for each person projected to work on a legal project for the organization, the information being received from external counsel; current bill data from external counsel; processing involves comparing the budget information with the bill data and flagging discrepancies.Report flagging any discrepancies between the current bill data and the case budget information. Frip: You trying to cheat us? Huh?Method for determining premiums for representation and warranty insurance for mortgage loans; US 8,311,912 B2; 11/13/2012; Class 705/35; 25 claims.Production information for a group of loans for a particular time period from a lender. Insurance premium for each loan. Frip: Wow! Patent on an insurance program.Systems and methods for calculating specified matrices; US 8,311,918 B2; 11/13/2012; Class 705/35; 26 claims; assigned to SAP AG (Germany).Selection of predetermined granularity characteristics and predetermined key figures; selection of predetermined aggregation operations; process involves much manipulation of data.Matrices associated with financial institutions and financial affairs in banking practice. Frip: SAP thinks and speaks in a language all its own.System and method for displaying risk data in an electronic trading environment; US 8,311,919 B2; 11/13/2012; Class 705/35; 16 claims; assigned to Trading Technologies International, Inc.Data.Grid display of risk related information such as P/L and net position, and order related information, the user being able to easily distinguish and control the displayed values. Frip: Game Boy!System and method for analyzing analyst recommendations on a single stock basis; US 8,311,923 B2; 11/13/2012; Class 705/36R; 23 claims; assigned to Thomson Reuters (Markets) LLC.Performance of a stock; performance of a selected benchmark; recommendation of the analyst for the stock; other factors.Score for the analysts recommendation. Frip: But I was just guessing. Really.Online purchasing system supporting sellers with affordability screening; US 8,311,925 B2; 11/13/2012; Class 705/36R; 63 claims.Financing parameter information; personal information relating to a user, the personal information comprising credit related information.Financing options from multiple financing entities. Frip: Comparison shopping patent.Montage for automated market system; US 8,311,926 B1; 11/13/2012; Class 705/37; 23 claims; assigned to The NASDAQ OMX Group, Inc.Market quotes.Display of aggregated quotes for each of a plurality of price levels. Frip: Patent on a montage.System and method for anonymously matching products or services with a consumer; US 8,311,927 B2; 11/13/2012; Class 705/37; 5 claims; assigned to NDEX Systems Inc. (Canada).Unique true behavior derived consumption profile; repository of such true consumption profiles where each profile is anonymous; repository of consumption objects such as vendors' products and services.Best-matched consumption object for a consumer, and a probable satisfaction weighting obtained through the true consumption profile. Frip: Computer say you will like this. You want to argue with Computer?Hedge fund risk management; US 8,311,933 B2; 11/13/2012; Class 705/37; 31 claims; assigned to Goldman, Sachs & Co.Data relevant to a Hedge Fund from multiple sources, the data being aggregated according to risk variables; an inquiry relating to the Hedge Fund; process involves iteratively performing the inquiry on the aggregated data and performing augmented searches until an incremental difference between successive results of performing the inquiry satisfies a criterion.Response to the inquiry. Frip: Maybe one of Mr. Mitts hedge funds.System and method for activity based margining; US 8,311,934 B2; 11/13/2012; Class 705/37; 26 claims; assigned to Chicago Mercantile Exchange Inc.Traders activity; process involves correlating the traders activity with an assessment of risk.Margin requirement. Frip: You velly risking so margin velly high.Daylight overdraft tracking; US 8,311,935 B2; 11/13/2012; Class 705/38; 21 claims; assigned to Bank of America Corporation.Data on a customers daily aggregate account balances.Daylight negative balance fee that is based on an actual number of minutes the aggregate deposit accounts have a negative balance. Frip: So dont carry negative balances. Duh.Credit score and scorecard development; US 8,311,936 B2; 11/13/2012; Class 705/38; 20 claims; assigned to American Express Travel Related Services Company, Inc.Identified balance transfers of an individual consumer; model of consumer spending patterns; process involves a share of wallet estimation of credit-related data of the individual consumer.Credit score for the consumer. Frip: More of American Express share of wallet stuff. November 20, 2012 Total 705 Class patents issued: 73 Data In-Data Out patents: at the very least, 14 PATENTDATA INDATA OUTHome resale value protection plan; US 8,315,889 B1; 11/20/2012; Class 705/4; 1 claim; assigned to Pricelock Finance, LLC.Pricing model. Home Resale Value Protection Plan under which a homeowner is entitled to a payment for a compensatable loss that he or she might experience when he or she resells his or her residence. Frip: He, she, his, her. Whatever became of male chauvinism? System for searching and solving for insurance products; US 8,315,891 B2; 11/20/2012; Class 705/4; 7 claims; assigned to Efficient Markets Corporation.Database of product information for a plurality of insurance products; data corresponding to a customer and a proposed customer policy; process involves generating a proposed policy for each of the plurality of insurance products.Score which can be used to compare quickly and accurately the selected product against all other products in the database. Frip: Cant just look it up in a catalogue?Real estate investment determinator; US 8,315,922 B2; 11/20/2012; Class 705/27.1; 9 claims; assigned to Regular Riches LLC.Predetermined criteria; user input.Real estate investment data for a piece of property. Frip: What the heck. Just buy anything.Systems and methods for validating a model; US 8,315,928 B1; 11/20/2012; Class 705/35; 23 claims; assigned to Freddie Mac.Deal structure from underwriter; payment scenario using payment rate of deal structure; first set of data, which is used to generate a second set of data.Comparative reports. Frip: Freddie, youre still alive!News induced automated electronic securities transactions; US 8,315,932 B2; 11/20/2012; Class 705/35; 24 claims; assigned to New Technologies LLC.News information; predetermined criteria; process involves determining if the news information contains a reference to a company and matches criteria associated with the company.Automatic trading of securities if the news information contains a reference to the company and matches criteria associated with the company. Frip: Automatic trading produces automatic losses, eh?Using commercial share of wallet to manage vendors; US 8,315,933 B2; 11/20/2012; Class 705/35; 20 claims; assigned to American Express Travel Related Services Company, Inc.Individual and aggregated customer data for a plurality of different customers, the data including, for example, time series tradeline data, business financial statement data, business or consumer panel data, and internal customer data.Models of consumer or business spending patterns and estimates of spending by individual consumers. Frip: American Express, fixated on Share of Wallet concepts.Real-time insurance estimate based on non-personal identifying information; US 8,315,934 B1; 11/20/2012; Class 705/35; 22 claims; assigned to Allstate Insurance Company.Historical insurance information; rate model; insurance applicants inputs.Estimated insurance quotes and premiums. Frip: So, lie a little with your inputs.Identifying and compensating for model mis-specification in factor risk models; US 8,315,936 B2; 11/20/2012; Class 705/36R; 5 claims; assigned to Axioma, Inc.Possible investment opportunities; factor risk model; process involves identifying and incorporating into the factor risk model a correction whose magnitude depends on the investment portfolio and strategy, the correction quantifying and compensating for unspecified factors in factor risk models, which factors inherently produce modeling error.Optimal portfolio. Frip: Some serious jargon involved here.Apparatus, article, and method for a hedged specified event bond; US 8,315,937 B2; 11/20/2012; Class 705/36R; 28 claims; assigned to Concept Hedging, LLC.Terms of a bond indenture whereby proceeds from the bond are placed in a bankruptcy-remote entity, an investment is purchased, a risk associated with the investment is hedged, and a scheduled investor payment is adjusted if a specified event occurs; market data; data about the specified event.At least one of the payment amount to the entity, the scheduled investor payment amount, the value, and, if the occurrence is determined, the adjustment. Frip: Say again?Option analysis for a trading system; US 8,315,938 B1; 11/20/2012; Class 705/36R; 16 claims; assigned to OptionMonster Holdings, Inc.Strategy to analyze for an underlying security; process involves calculating spectral map data for the strategy for the underlying security.Display of the spectral map data for the strategy. Frip: Ah ha, a spectral map data patent. About time one of those came along.System and method for computer implemented collateral management; US 8,315,939 B2; 11/20/2012; Class 705/36R; 17 claims; assigned to The Bank of New York Mellon.Ruleset relating to determining eligibility of collateral to be considered for a desired trade; accounts that could potentially accept a security position based upon established search criteria; process involves determining a collateral preference ranking by at least applying the ruleset via an algorithm so as to confirm the eligibility of security positions for use as collateral.Relative collateral preference indication. Frip: Rulesets are good things to have.Method and apparatus for development and use of a credit score based on spend capacity; US 8,315,942 B2; 11/20/2012; Class 705/38; 20 claims; assigned to American Express Travel Related Services Company, Inc.Consumer data and aggregate consumer data, including tradeline data; estimating credit-related information of an individual consumer based on tradeline data of the individual consumer, a previous balance transfer of the individual consumer, a paydown amount on an account of the individual consumer, and a model of consumer spending patterns.Credit score for the individual consumer. Frip: Enough with the spend capacity, share of wallet stuff.System and method for generating a finance attribute from tradeline data; US 8,315,943 B2; 11/20/2012; Class 705/38; 12 claims; assigned to Experian Information Solutions, Inc.Raw tradeline data from a plurality of credit bureaus; industry code data related to each of the credit bureaus; process involves determining one or more tradeline leveling characteristics that meet at least one pre-determined threshold, and generating a finance attribute using the selected leveling characteristics.Finance attribute. Frip: Just what everyone wants, a finance attribute.Apparatuses, methods and systems for a trackable virtual currencies platform; US 8,315,944 B2; 11/20/2012; Class 705/39; 16 claims; assigned to Zynga Inc.Information regarding a virtual currency transaction from a user; process involves determining whether the transaction involves a user that is being tracked, wherein the user being tracked is associated with an elevated level of risk of fraud.Identification of the virtual currency transaction as potentially fraudulent. Frip: Online game fraud! Call the cops! November 27, 2012 Total 705 Class patents issued: 126 Data In-Data Out patents: at the very least, 14 PATENTDATA INDATA OUTMethod and system for organizing tax information and providing tax advice; US 8,321,312 B2; 11/27/2012; Class 705/31; 20 claims; assigned to HRB Innovations, Inc.Personal information of a user, provided through a user interface in response to solicitations for a set of personal information describing characteristics of the user.Checklist of tax return preparation information to be compiled by the user. Frip: Why not a completed tax return?Income analysis tools for wealth management; US 8,321,316 B1; 11/27/2012; Class 705/35; 13 claims; assigned to The PNC Financial Services Group, Inc.Wealth related data and other financial information; process involves various computer-implemented tools for managing and processing financial information.Interactive graphic displays of wealth related data and other financial information. Frip: Invention is aimed at wealth management clients, also known as Republicans.System and method for facilitating the funding and administration of a long term investement or retirement trust; US 8,321,318 B2; 11/27/2012; Class 705/36R; 26 claims; assigned to National Trust and Fiduciary Services Company, Inc. (British Virgin Islands).Variables specific to the requirements necessary for the real-time production of trust documents necessary and specific to the purpose of establishing a funded pre-retirement trust for a minor child; process includes evaluating various options..Retirement trust in real time based on a selection by the trust grantor of an trust investment option. Frip: British Virgin Islands. Is that anywhere near the Cayman Islands?Rental property investment calculator; US 8,321,319 B1; 11/27/2012; Class 705/36R; 12 claims; assigned to Intuit Inc.Rental property information; investment parameter from an investor of the investment in the rental property; process involves analyzing the investment in the rental property based on the investment parameter and property information to generate an analysis result, adjusting the investment parameter to optimize the analysis result resulting in an optimized analysis result, and generating a report based on the optimized analysis result.Optimized analysis result. Frip: Optimizing. You go, Girl.Portfolio management analysis system and method; US 8,321,320 B1; 11/27/2012; Class 705/36R; 20 claims; assigned to FNA, LLC.Sets of portfolio data; process involves calculating a plurality of change indicators for each set of portfolio data, wherein the plurality of change indicators are an out of balance indicator for each class and subclass of investment, a cash need indicator, a cash to invest indicator, and a tax loss harvesting opportunity indicator.Graphic displays of the plurality of change indicators for each of the plurality of sets of portfolio data assigned to the user and an action button for each of the plurality of change indicators, wherein the selecting of an action button performs an automatic rebalancing of the portion of the selected portfolio according to redefined parameters set by the user and the client. Frip: Investment by Hal the computer.Method and system for creating a spot price tracker index; US 8,321,322 B2; 11/27/2012; Class 705/36R; 20 claims; assigned to Chicago Board Options Exchange, Incorporated.Values of first and second derivatives at a time t; process involves calculating an index value by linear extrapolation from the first and second futures contracts.Calculated index value Frip: Nice simple patent. No going around Robin Hoods barn to get to the destination.Mapping an over the counter trade into a clearing house; US 8,321,327 B1; 11/27/2012; Class 705/37; 21 claims; assigned to ICAP North America, Inc.Defined plurality of tenors, which is fewer in number than the OTC maturity dates of OTC positions; defined contract, which is clearable at a clearing house, corresponding to each defined tenor; process involves mapping each OTC position, as it is executed, into one or more of the contracts, based on the maturity date of the OTC position, and between business days, re-mapping each contract to account for the move of calendar day. Mapped and remapped contracts, the invention finding particular application as a method and system to convert OTC Foreign Exchange (FX) positions into futures contracts clearable at a futures clearing house. Frip: He aint heavy, hes my brother.Apparatus, article, and method for a specified event bond; US 8,321,329 B1; 11/27/2012; Class 705/37; 52 claims; assigned to Concept Hedging, LLC.Terms of a bond indenture for a bond, the indenture including a contingent liability obligation whereby an issuer of the bond is obligated to pay to an investor in the bond if a specified event occurs; market data; process involves determining an amount of contingent liability corresponding to the obligation. The determined amount of the contingent liability. Frip: The Apocalypse come, you get a payment.Method, apparatus and interface for trading multiple tradeable objects; US 8,321,331 B2; 11/27/2012; Class 705/37; 20 claims; assigned to Trading Technologies International, Inc.Market data; user selection of trading instructions.Display of axially aligned price levels representing a combined value to buy or sell a first tradable object and a second tradable object, display of an order entry region comprising a plurality of order entry locations, each order entry location corresponding to at least one of the axially aligned price levels, and execution of trading order. Frip: Video investing?System and method for selectively displaying market information related to a plurality of tradeable objects; US 8,321,332 B2; 11/27/2012; Class 705/37; 20 claims; assigned to Trading Technologies International, Inc.Market data; system includes a scanning feature that upon detecting a predefined movement of a user input device in relation to a plurality of indicators, dynamically displays market information corresponding to selected tradeable objects.Display of market information. Frip: Investing by cursor.System and method for determining the market risk margin requirements associated with a credit default swap; US 8,321,333 B2; 11/27/2012; Class 705/37; 20 claims; assigned to Chicago Mercantile Exchange Inc.Data on financial instruments in a portfolio; process involves determining a first and second time-series of returns for the financial instruments, calculating the correlation between the first and second time-series of returns, calculating residuals and volatilities for the financial instruments, calculating a correlation matrix and degrees-of-freedom utilized to simulate standardized residuals for each of the financial instruments within the portfolio, generating simulated returns as a function of the simulated standardized residuals and the returns, and generating a spread distribution for the portfolio, wherein the portfolio is repriced as a function of the simulated returns. Calculated margin risk. Frip: Your margin requirement went up either $10 or $10,000, depending on which run through this math labyrinth was the more accurate.Credit score simulation; US 8,321,334 B1; 11/27/2012; Class 705/38; 16 claims; assigned to Experian Information Solutions, Inc.Financial data about a consumer and an initial financial risk score of the consumer; a financial objective related to improving the financial risk score of the consumer; process involves running scenarios in which hypothetical changes are made to the financial data, generating a simulated financial risk score for each of the scenarios, comparing the simulated financial risk scores with the initial financial risk score, and identifying at least one scenario that would achieve the financial objective.Communication of the hypothetical changes and the simulated financial risk score associated with the identified scenario. Frip: Maybe if the consumer just paid his bills on time.Customized consumer loan search and optimized loan pricing; US 8,321,335 B1; 11/27/2012; Class 705/38; 15 claims; assigned to LoanInsights, LLC.Consumer profile; available loan products.Ranking of loan products according to interest rate, monthly payment, or annual percentage rate (APR). Frip: Velly Solly, no loan products for you.System and method for resolving transactions with variable offer parameter selection capabilities; US 8,321,339 B2; 11/27/2012; Class 705/39; 22 claims; assigned to Apollo Enterprise Solutions, Inc.Communications from a user about settling a transaction; available financial information pertinent to the transaction from at least one source external to the user; rules established on behalf of a party to the transaction; process involves establishing a set of curves based on the rules and enabling the user to select transaction settlement conditions conforming to the set of curves.Settlement condition wherein both user and the party to the transaction resolve the transaction on jointly acceptable terms. Frip: Negotiations in the electronic age. December 4, 2012 Total 705 Class patents issued: 133 Data In-Data Out patents: at the very least, 19 PATENTDATA INDATA OUTSystems and methods for insurance underwriting; US 8,326,657 B2; 12/4/2012; Class 705/4; 25 claims; assigned to Quantitative Data Solutions, LLC.Applicant information that can include one or more of prescription drug history, credit history, motor vehicle records, and geocentric mortality risk; customized risk modifiers; process includes identification of a disease category based on the prescription drug history.Risk score for the insurance applicant. Frip: Lotsa computerized judgment patents about us individuals being granted.Using commercial share of wallet to analyze vendors in online marketplaces; US 8,326,671 B2; 12/4/2012; Class 705/7.29; 14 claims; assigned to American Express Travel Related Services Company, Inc.Individual and aggregate corporate data, including financial statement data; process includes modeling business spending patterns of a vendor.Rating of a vendor based on at least the commercial size of spending wallet of the vendor. Frip: Enough with the size of wallet stuff, Amex. Youre driving us nuts.Using commercial share of wallet in financial databases; US 8,326,672 B2; 12/4/2012; Class 705/7.29; 9 claims; assigned to American Express Travel Related Services Company, Inc.Individual and aggregate corporate data, including financial statement data; process involves modeling spending patterns and stuff.An indication of the commercial size of spending wallet of the business. Frip: And I mean nuts.Customer impact measuring system; US 8,326,678 B1; 12/4/2012; Class 705/7.38; 47 claims; assigned to Bank of America Corporation.On a daily basis, the number of failed interactions between a company's customers and its technology systems; process includes providing anon-transitory computer-readable medium.Performance measurements of the company's technology systems. Frip: Is BofA one of those banks wantin higher fees?Personalized interactive network architecture; US 8,326,694 B2; 12/4/2012; Class 705/26.1; 26 claims; assigned to JPMorgan Chase Bank, N.A.Information concerning a customer, the information obtained from interaction with the customer over communication channels; information concerning a plurality of information, products, and services to offer to the user.Decision as to which information, products, and services to present to the user Frip: JPs got your number.Rate exception management tool; US 8,326,717 B2; 12/4/2012; Class 705/35; 21 claims; assigned to Wells Fargo Bank N.A.Customer score, which is a single factor assigned to the customer based at least in part on the customer's relationship with a financial institution; branch data, which is based at least in part on market data relevant to a particular branch of the financial institution; occurrence of an event.Determination of rate exceptions for a banking product or products. Frip: Now computers are making exceptions.Estimating risk of a portfolio of financial investments; US 8,326,722 B2; 12/4/2012; Class 705/36R; 40 claims; assigned to Warp II Holdings, LLC.Information describing a portfolio of financial holdings; data on parameters that affect the value of the portfolio; process includes performing a stress testing estimating a measurement of risk of the portfolio holdings, the test involving a Taylor Series expansion, performing a polynomial interpolation estimating a measurement of risk, and other stuff.Estimate of risk of a portfolio of a plurality of financial investment holdings to fluctuations in a portfolio value. Frip: Got some serious math going on here.Risk and reward assessment mechanism; US 8,326,723 B2; 12/4/2012; Class 705/36R; 12 claims; assigned to Bank of America Corporation.Account level historical data for a plurality of customers associated with accounts as part of a portfolio of an entity; process involves customer segmentation to create pools of homogeneous assets in terms of revenue and loss characteristics, forward looking simulation to forecast expected values and volatilities of revenue and loss, and risk and reward optimization of the portfolio.Analyzed portfolio and predictions about it. Frip: Being a data analyzer must be fun. Nobodys gonna argue with what you say because no one understands what you say.Systems and methods to allocate relevancy of global asset peers; US 8,326,726 B2; 12/4/2012; Class 705/36R; 19 claims.Indications of trends in currency values and interest rates; process involves a lot of data analysis and manipulation. Adjusted investment ratios for each portfolio of multiple portfolio peers. Frip: The Patent Office must be having a year-end clearance.Generating dynamic date sets that represent market conditions; US 8,326,727 B2; 12/4/2012; Class 705/36R; 32 claims; assigned to Palantir Technologies, Inc.Market instrument; one or more parameters for one or more date set computers that are associated with the market instrument; a first time series from a data repository, where the first time series is a sequence of data values associated with the market instrument; process involves extracting a set of time periods by applying the one or more date set computers based on the one or more parameters and the first time series.Display of the set of time periods overlaid on a graphical representation of the first time series in a graphical user interface. Frip: You arent somebody unless you have a patent on a graphic display.Income product selectorpurchase solver; US 8,326,728 B1; 12/4/2012; Class 705/36R; 21 claims; assigned to FMR LLC.Essential income needs of a user; discretionary income needs; available assets.Adjustable portfolio to meet the users needs, at a certain confidence level. Frip: Were confident we can say you dont have enough money.Analysis of proposed trades; US 8,326,732 B2; 12/4/2012; Class 705/37; 22 claims; assigned to Trayport Limited (UK).Proposed trades having multiple trade parameters; rules; process involves a rules-based schema designed as a directed graph to model various electronic trading markets and trading constraints inherent therein.Confirmation and execution of trade if constraints are satisfied. Frip: Rules-based schemas are the best kind of schemas.Method and system for calculating an intraday indicative value of leveraged bullish and bearish exchange traded funds; US 8,326,740 B2; 12/4/2012; Class 705/37; 12 claims; assigned to ProFund Advisors LLC.Calculated intraday current value of all the equity securities in an exchange traded fund (applicable only to bullish ETFs); calculated mark to market gains or losses of at least one derivative product; retrieved accumulated loss or gain of the at least one derivative product and other cash equivalent amounts.Intraday value of the ETF, which is used, by a party, for arbitrage purposes. Frip: Wow, no wonder nobody understands Wall Street, not even Wall Streeters themselves.Programmed trading system; US 8,326,742 B2; 12/4/2012; Class 705/37; 19 claims.User request for a trade order; process involves querying a user profile database to determine the proper algorithm to use to execute the trade, formatting a user dialog to be displayed to the user regarding the trade order according to custom screen settings stored in the user profile database; and electronically sending the trade to one or more broker/dealers for execution based on the determined trade algorithm.Executed order. Frip: Getting the proper algorithm is crucial.Products and processes for order distribution; US 8,326,745 B2; 12/4/2012; Class 705/37; 25 claims; assigned to BGC Partners, Inc.Indication of an order; information on how exchanges fulfill orders; information on rate of order fulfillment; information on pending orders; process involves determining a distribution of trades related to the order to submit to exchanges.Transmitted order. Frip: Just throwin those orders out into the ether.System and method for evaluating idiosyncratic risk for cash flow variability; US 8,326,746 B1; 12/4/2012; Class 705/38; 20 claims; assigned to Fannie Mae.Details on a financial instrument concerning multifamily housing; process involves a Monte Carlo simulation engine, a cash flow engine configured to generate a set of default/prepayment curves representative of systemic risk associated with the financial instrument, an idiosyncratic risk module configured to convert the set of default/prepayment curves into a number of occurrences, and other stuff.Share of risk of variability associated with the cash flows being associated with at least one of the lender, investor, and guarantor. Frip: You lost me at idiosyncratic.Automated loan approval system; US 8,326,748 B1; 12/4/2012; Class 705/38; 14 claims; assigned to IMX, Inc.Database of loan programs, said loan programs being associated with one or more possible lenders, each said loan program being associated with a set of loan approval rules; system enables brokers to search a database of possible loan programs made available by lenders.Automated approval of one or more selected possible loan requests. Frip: Some patents, ostensibly in English, need an English translation.Systems and methods of a mortgage pricing service; US 8,326,749 B1; 12/4/2012; Class 705/38; 11 claims; assigned to Freddie Mac.Data on mortgages and mortgage-backed securities; process involves creating and using a common, generic, data/object model to represent information grids or lookup tables, such as a mortgage asset pricing information grid, a mortgage asset re-pricing grid, or a credit risk pricing grid.Information grid. Frip: Even Freddie Mac is getting into graphic display patents.Object oriented financial analysis tool; US 8,326,750 B1; 12/4/2012; Class 705/38; 20 claims; assigned to The MathWorks, Inc.Pricing parameters; system involves a number of abstract classes associated with performing financial calculations, including an instruments class that defines a number of financial instruments in a hierarchical manner and a models class that defines a number of objects or functions used to perform financial calculations.Result of performing a financial calculation. Frip: Getting kinda theoretical here, almost to software per se. December 11, 2012 Total 705 Class patents issued: 133 Data In-Data Out patents: at the very least, 17 PATENTDATA INDATA OUTSystems and methods for real-time driving risk prediction and route recommendation; US 8,332,242 B1; 12/11/2012; Class 705/4; 17 claims; assigned to USAA.Risk factor data related to a route between a first location and a second location; process involves generating risk score data for the route and verifying that the route has been traversed. Insurance policy price data in response to verification of traversal of the route. Frip: Dynamic insurance, to say the least.Determining premiums for life insurance policies; US 8,332,244 B1; 12/11/2012; Class 705/4; 17 claims; assigned to USAA.Variety of variables; process involves combining a determination of a mortality risk with a determination of the future lapse risk for the individual to yield the premium for a life insurance policy.Premium for a life insurance policy. Frip: Life insurance was once so simple.System and method for associating financial transaction data with a user's project data; US 8,332,244 B1; 12/11/2012; Class 705/4; 17 claims; assigned to JPMorgan Chase Bank, NA.A user's financial transaction data hosted in a data storage unit, addressable on a network, and accessible by a remote user on a user interface unit having a user input means and a display; user-defined project category data; process involves converting a graphical arrangement of the inputs into a data record.Data record. Frip: Bet you didnt even know that something like this could be patented.Real-time rewards redemption; US 8,332,290 B1; 12/11/2012; Class 705/33; 20 claims; assigned to U.S. Bancorp Licensing, Inc.Information regarding a transaction associated with a financial account of a customer; process includes providing a redemption alert to a mobile device of the customer if it is determined that the redemption alert is to be provided, receiving a response to the redemption alert from the mobile device of the customer, where the response indicates whether at least a portion of accumulated loyalty rewards of the customer are to be used to pay for at least a portion of the transaction.Deducting the portion of the accumulated loyalty rewards from a rewards balance of the customer and crediting the financial account of the customer with a value of the portion of the accumulated loyalty rewards. Frip: A patent on the use of loyalty rewards. Interesting.System and method for monitoring managing and valuing credit accounts; US 8,332,291 B2; 12/11/2012; Class 705/35; 21 claims; assigned to Argus Information and Advisory Services, Inc.Historical behavior of a credit account; process involves establishing profit drive segments, characterizing the credit account, and determining probability of migration.Value of a credit account based upon a probability that the credit account will migrate between profit driver segments. Frip: Dont let your credit account migrate.Method and system for mapping business transactions; US 8,332,295 B1; 12/11/2012; Class 705/35; 20 claims; assigned to Intuit Inc.Transaction record of a business transaction, where the transaction record includes business information associated with performing the business transaction; process involves analyzing the transaction record to determine available business information, submitting available business information to a mapping service to obtain a map of a business location, and displaying the map.Map display of a business location. Frip: Patent on a map.System for determining election reauthorization; US 8,332,296 B1; 12/11/2012; Class 705/35; 18 claims; assigned to Dale Scott & Company, Inc.Information pertaining to a previous bond authorization; additional information pertaining to an additional amount of bonds to be issued; process involves calculating a projected tax rate based on projected property valuations and determining a tax rate cap.Bond reauthorization amount. Frip: Write a program, get a patent. Better not tell the Supremes its that simple.Computer-based system; US 8,332,300 B2; 12/11/2012; Class 705/36; 16 claims; assigned to Fiscal Reps Limited (UK).Data in a database identifying a plurality of classes of risk in each tax jurisdiction for which insurance premium taxes are payable, the tax rates for each tax type applicable to each class of risk in each jurisdiction, the tax-collection organizations in each jurisdiction for each class of risk, and financial data supplied by clients; financial data from individual clients.Tax return for each transaction for which insurance premium taxes are due. Frip: See previous comment.Systems and methods for projecting future values when performing retirement planning; US 8,332,297 B1; 12/11/2012; Class 705/36R; 21 claims; assigned to USAA.Collection of historical values for asset classes; process involves performing multiple scenarios and deriving probabilistic distributions relating to projected future values for classes of assets for future time periods.Best case future value, a worst case future value, and a median case future value from each probabilistic distribution. Frip: Lota calculations going on here.System and method for exposure management; US 8,332,298 B2; 12/11/2012; Class 705/36R; 17 claims; assigned to SAP AG (Germany).Exposures; process involves one or more of the following: separating exposures into several risks, handling exposure positions and the like, calculating key risk figures (for example value at risk), managing risk life cycles, and transforming risk factors, the latter possibly involving transforming different qualities of a commodity, decomposing an alloy into its original metals, or decomposing a mutual fund into its individual stocks.Exposure management solution. Frip: You can always count on SAP AG to be way over your head. Maybe its a translation thing.Investment policy tool; US 8,332,299 B1; 12/11/2012; Class 705/36R; 18 claims; assigned to Wells Fargo Bank, N.A.Account data from an account database, including a portfolio and a policy, and a transaction generated by a trader for the account from a trading system; process involves using the portfolio and the transaction to generate a speculative portfolio, and comparing the transaction and the speculative portfolio with the policy to determine if either the transaction or the speculative portfolio violates any elements of the policy.If the investment policy tool determines that the policy has been violated, the investment policy tool may stop the transaction, stop the transaction and notify the account owner of the violation, hold the transaction and request approval from the account owner, or allow the transaction to proceed and notify the account owner of the violation. Frip: Or maybe just telling the account owner that hes a doofus.Clearing system that determines margin requirements for financial portfolios; US 8,332,301 B2; 12/11/2012; Class 705/36R; 19 claims; assigned to Chicago Mercantile Exchange, Inc.Initial value for a performance bond amount; process involves using values, such as swap dollar values and volatility values, and adjustments and factors, such as calendar charge adjustments and liquidity charge minimums, to enhance a margin calculation, the values being maintained and updated in various ways, including but not limited to, lookup tables, matrices, and other structures.Adjusted margin requirement. Frip: Why not just a seat-of-the-pants your margin requirement went up by five grand?Method and apparatus for monitoring and evaluating trade activity; US 8,332,303 B2; 12/11/2012; Class 705/37; 21 claims; assigned to Goldman, Sachs & Co.Option order from a customer; process involves identifying first and second national best bid and offer data and other stuff from a customer.Quality data associated with the option order. Frip: Quality data. The best kind of data out.Trading interface for facilitating trading of multiple tradeable objects in an electronic trading environment; US 8,332,304 B2; 12/11/2012; Class 705/37; 20 claims; assigned to Trading Technologies International, Inc.Market data; user-configured quantity allocation rules; system has a graphic interface displaying a bid indicator, ask indicator, equalized bid indicator, and equalized ask indicator that are moveable relative to a price axis according to changes for a first and second tradeable objects.Graphic display. Frip: TTIs graphic displays are getting more and more complex.Automatic strategy grouping for a trading system; US 8,332,305 B1; 12/11/2012; Class 705/37; 20 claims; assigned to OptionMonster Holdings, Inc.Indication to automatically group a set of investment instruments; selection criteria. Determination of (1) a set of possible strategies from the set of investment instruments, (2) a set of groupings of strategies from the set of possible strategies, and (3) one or more selected groupings from the set of groupings of strategies, all based at least in part on a selection criteria. Frip: Cool.Template based matching; US 8,332,306 B2; 12/11/2012; Class 705/37; 12 claims; assigned to Chicago Mercantile Exchange Inc.Trade orders; trade templates that define groups of orders for financial instruments that may be combined such that all of the orders are matched.Matched orders. Frip: If an exchange develops a new way of sneezing, it wants to patent it.System and method for determining implied market information; US 8,332,309 B2; 12/11/2012; Class 705/37; 19 claims; assigned to Trading Technologies International, Inc.Market data; process may involve characterizing a market by exhaustively computing one or more combinations of other related markets such that the markets of each combination when summed would result in the market under consideration, the number of market combinations found being an exhaustive list of market combinations such that the market under consideration can be completely characterized, if so programmed.Implied market information. Frip: Heavy. December 18, 2012 Total 705 Class patents issued: 58 Data In-Data Out patents: at the very least, 11 PATENTDATA INDATA OUTMethod of financing unfunded liabilities; US 8,335,699 B2; 12/18/2012; Class 705/4; 10 claims; assigned to Retirement Benefit Solutions, LLC.Population data set; process involves generating a plurality of mortality data sets, generating a financial target data set, transmitting the financial target data set to a plurality of life insurance vendors, receiving from each of at least two life insurance vendors a rate table, generating a proportional rating for each insurance vendor, and generating a final rate table having a per member life insurance premium rate for each mortality data set.Final rate table having a per member life insurance premium rate for each mortality data set. Frip: In everyones future there is a mortality data set.Licensed professional scoring system and method; US 8,335,700 B2; 12/18/2012; Class 705/4; 34 claims; assigned to Deloitte Development LLC.Data concerning a selected licensed professional from at least one source; historical data concerning a plurality of licensed professionals; external data including variables predictive of at least one of profitability and productivity of said licensed professionals; process involves normalizing the historical data using actuarial transformations to generate working data, calculating a profitability ratio associated with each of said plurality of licensed professionals, developing a statistical model, and other stuff.A score for the selected licensed professional indicative of at least one of profitability and productivity. Frip: Your score shows you are neither profitable nor productive.System and method for determining opportunities and peer information for insurance policies; US 8,335,701 B1; 12/18/2012; Class 705/4; 18 claims; assigned to Marsh USA Inc.Placement information for insurance policies; policy criteria selection information from a user; process involves determining opportunity information and historical information, both based on the policy criteria selection information.Opportunity information and historical information. Frip: Insurance people are in a world of their own.Method and system for providing real-time financial goal monitoring and analysis; US 8,335,728 B1; 12/18/2012; Class 705/27.1; 16 claims; assigned to Intuit Inc.One or more financial or budgetary goals of a party; process involves creating a merchant/category database that associates one or more merchants with one or more potential financial categories, and a whole bunch of other stuff.Display of something having to do with the partys relationship with the merchant. Frip: Gave up on understanding this one, as maybe the Examiner did too.Scorecard reporting system; US 8,335,730 B2; 12/18/2012; Class 705/31; 21 claims; assigned to Accenture Global Services Limited (Ireland).Performance data for a particular business function; process provides a data processing system that facilitates monitoring and analysis of tax aspects of an organizational structure, the processing system utilizes a Tax Scorecard that presents an analysis of the particular aspects monitored.Scorecard display comprising a different scorecard window for each of multiple different perspectives. Frip: End of year clearing of the difficult ones?Method of establishing a profitability model related to the establishment of a wind power plant; US 8,335,731 B1; 12/18/2012; Class 705/35; 21 claims; assigned to Vestas Wind Systems A/S (Denmark).Data defining a scenario of a wind power plant, the data including solution parameters and financing parameters; process involves calculating a profitability of the wind power plant based on the solution parameters and financing parameters.Profitability model. Frip: The answer, my friends, is blowing in the wind, the answer is blowing in the wind.Security pricing method and system; US 8,335,732 B2; 12/18/2012; Class 705/35; 21 claims.Data including historical data and optional projected data related to one or more securities; process involves using a partial differential form of the price equation and a conservation of capital principal.Security prices and price indicators. Frip: Partial differential of the price equation. Cool.Computer implemented risk managed indices; US 8,335,735 B1; 12/18/2012; Class 705/36R; 13 claims; assigned to Alphasimplex Group, LLC.Eligible future contracts based on a minimum average daily dollar trading volume and regulatory restrictions; process involves calculating the volatility target level for each asset class, stabilizing the volatility of each asset class at the target level by modulating the market exposure of each asset class, rescaling the risk allocation among asset classes, and combining the rescaled asset classes into a composite index.Composite Index. Frip: Calculating, stabilizing, rescaling, and combining. This patent does it all.Computer system and method for determining optimal asset allocation; US 8,335,736 B2; 12/18/2012; Class 705/36R; 20 claims; assigned to Hartford Fire Insurance Company.Data that may relate to a target payout, a target date, and a nominal rate of contributions to an investment portfolio; process involves calculating a plurality of simulated investment outcomes based on assumed investment return rates and assumed inflation rates that are randomly selected in multi-year clusters from historical data.Recommended asset allocation. Frip: Well, simulate my patent.Price improvement in electronic trading system; US 8,335,737 B2; 12/18/2012; Class 705/37; 17 claims; assigned to EBS Group Limited (UK).Submitted quotes from maker trading stations, the submitted quotes including a quote price and a maximum price improvement; process involves a lot of jargony stuff including forming a credit-screened queue of dealable quotes to be dealt prioritized in order of quote price, maximum price improvement and quote submission time.Price improvement as an amount of the maximum price improvement required to improve a position of a maker quote in the credit-screened queue with respect to other maker quotes at the same price. Frip: Huh?System and method for interactively simulating a credit-worthiness score; US 8,335,741 B2; 12/18/2012; Class 705/38; 20 claims; assigned to Experian Information Solutions, Inc.Consumer's real credit data; user submitted hypothetical values of various parameters.Simulated credit score. Frip: But what if the user submitted hypothetical values are outright lies? December 25, 2012 Total 705 Class patents issued: 117 Data In-Data Out patents: at the very least, 21 PATENTDATA INDATA OUTData visualisation system and method; US 8,340,980 B2; 12/25/2012; Class 705/1.1; 32 claims; assigned to Bally Technologies, Inc.A finite set of data values.Display of (1) a representation of each data value centered on respective data points and (2) a representation having a cross-sectional shape of a bell-shaped curve in which each data point is displayed as an apex of the bell-shaped curve. Frip: Wondering how each data point achieves the apex position on a bell-shaped curve.Methods and systems for providing deferred annuities with an income reset feature; US 8,340,986 B2; 12/25/2012; Class 705/4; 16 claims; assigned to New York Life Insurance Company.Annuity information for an annuitant; process involves determining at a first date one of a purchase price and an amount of at least one income payment due to the annuitant at the start date, the annuity including a reset feature that resets the annuity at a reset date later than the first date if at least one variable of the annuity at the reset date is more beneficial to the annuitant than at the first date.Offer of the annuity to the potential annuitant. Frip: Patent on an intangible product.Enterprise opportunity assessment; US 8,340,998 B2; 12/25/2012; Class 705/7.11; 20 claims; assigned to Bank of America Corporation.Opportunity data for markets; capture data for markets; process involves determining comparable markets for each market and calculating attainable opportunity for each market.Attainable opportunity measurement for a first market based on the actual capture measurement and the opportunity measurement for each of the one or more comparable markets. Frip: The result for you the consumer? More soliciting snail mails, emails, and phone calls.Dynamic prepayment risk management; US 8,341,043 B2; 12/25/2012; Class 705/30; 13 claims; assigned to Westpac Bank Corporation (Australia).Sales data, corresponding payment data, and data indicating the fulfillment of orders; process involves predetermined risk weightings, a predetermined instruction set, and the automatic application of predetermined business rules to either retain or release security funds.Dynamically adjusted security amounts. Frip: This banking business stuff is sure confusing.Payment entity device reconciliation for multiple payment methods; US 8,341,046 B2; 12/25/2012; Class 705/35; 24 claims; assigned to Visa U.S.A. Inc.Payment request data, which, for a client, includes a payables profile and an accounts payable data file; payment remittance information subsequent to initiation of a payment in accordance with the payment request data.Consolidated payment data and reports based thereon. Frip: Bunch of data in, bunch of data out.System and method for bank account management and currency investment; US 8,341,054 B2; 12/25/2012; Class 705/35; 31 claims; assigned to CDT Global Soft, Inc.Information related to a diversification of an initial fund of a user; process involves calculating a distribution of the initial fund comprising one or more selected currencies based upon the diversification information, and converting the initial fund from an initial currency into a converted fund comprising one or more selected currencies based upon the calculated distribution.Converted fund and recordation thereof. Frip: Playing the currency game.Distribution of market data; US 8,341,056 B2; 12/25/2012; Class 705/35; 20 claims; assigned to Chicago Mercantile Exchange Inc.Market data for financial instruments; process involves creating a plurality of templates that each define a variable length message structure, and building a plurality of market data messages that each include variable length fields separated by delimiters and a mechanism to match each market data message with a corresponding template.Dissemination of the market data messages. Frip: Wow, getting into the weeds of communicating stuff.System and method of analyzing and monitoring a customer's financial condition; US 8,341,057 B1; 12/25/2012; Class 705/36R; 20 claims; assigned to Capital One Financial Corporation.Financial profile associated with a customer; process involves determining a peer group of financial profiles for the customer, comparing the customers financial profile to the peer group of financial profiles, developing one or more financial plans based on the financial profile and comparison information, implementing a financial plan, and monitoring the financial plan.Implemented and monitored financial plan. Frip: Patent for a plan.System and method for managing a portfolio of different cuts of meat; US 8,341,058 B2; 12/25/2012; Class 705/36R; 19 claims; assigned to Future Beef Partners Inc. (Canada).Portfolio information including a first quantity of a first meat cut type (MCT) and a second quantity of a second MCT; process involves determining first comparison data of the first MCT and of the second MCT for a selected historical time period, determining a correlation value between the first MCT and the second MCT, analyzing the correlation value, adjusting a parameter of a price model used in determining the first predicted future price, and sending the modified value of the first price premium for presentation to a member of the portfolio.Modified price premium value. Frip: Hey Mr. Mitt. Is a portfolio of meat cut types anything like a binder of women?Core/satellite financial portfolio design methodology, system and computer readable medium; US 8,341,060 B2; 12/25/2012; Class 705/36R; 10 claims; assigned to Consulting Services Support Corporation.Data on possible and actual investment choices; process involves comparisons, filters, performance factors, and other stuff. Comparative assessments of investment choices. Frip: Ye old risk-return patent.System and method for managing investment funds; US 8,341,061 B2; 12/25/2012; Class 705/36R; 8 claims; assigned to John Woods & Associates Limited (UK).Investment data; process involves establishing dividend goals for portfolios managed on a dividend reinvestment basis, and other stuff.Plan for a portfolio. Frip: Getting kinda fuzzy.System and method of margining fixed payoff products; US 8,341,062 B2; 12/25/2012; Class 705/36R; 19 claims; assigned to Chicago Mercantile Exchange Inc.Data on a portfolio, each product of the portfolio having one or more discontinuous payoffs associated therewith, each of the payoffs being based on an outcome of an associated event; process involves comparing product values for each product in the portfolio, generating risk arrays, adjusting values, determining aggregate risk value, and computing margin requirement.Minimized margin requirement. Frip: No wonder investing is not for the faint of heart.Asset allocation risk and reward assessment tool; US 8,341,063 B1; 12/25/2012; Class 705/36R; 15 claims; assigned to Prospercuity, LLC.Data for potential mixed portfolios; process involves simulations and graphic displays, and is for sophisticated individuals and professionals such as accountants and financial advisors.Simulated cumulative risks and rewards of a plurality of mixed portfolios in relation to the expected risk and reward of a minimum-risk or relatively risk-free baseline portfolio. Frip: The Examiner celebrated completing this one with a quart of eggnog. Standardization and management of over-the-counter financial instruments; US 8,341,064 B2; 12/25/2012; Class 705/37; 10 claims; assigned to Chicago Mercantile Exchange, Inc.Transaction parameters associated with an over-the-counter financial product; process involves determining a standardized financial product that reflects the transaction parameters associated with the over-the-counter financial product, calculating a net position based on the difference between the standardized financial product and the over-the-counter financial product, and clearing the net position through a clearing party.Cleared net position. Frip: The Chicago Merc is protecting its back (maybe from the patent trolls).System and method for determining optimal investment strategy; US 8,341,066 B2; 12/25/2012; Class 705/37; 14 claims.Portfolio of Individually Traded Units (ITU), such as publicly traded stocks; process uses an artificially intelligent expert system to analyze each separate stock within a given portfolio to determine if the currently reported trading price of the stock should be used to buy, hold, or sell shares.Determination of whether to buy, sell, or hold a specific Individually Traded Unit (ITU). Frip: Specification specifically says The Present Invention is a computer program. . . . Why is that not patent ineligible as software per se?Method and system for creating and trading derivative investment instruments based on an index of collateralized options; US 8,341,069 B2; 12/25/2012; Class 705/37; 10 claims; assigned to Chicago Board Options Exchange, Incorporated.Data on a portfolio invested in a collateralized short strategy; process uses the relation: V.sub.t=M.sub.t-N.sub.lastP.sub.t where M.sub.t is a value of a LIBOR component of the portfolio at the close of date t, N.sub.last is a number of put options sold at a last roll date, and P.sub.t is a price of the underlying option portfolio based on arithmetic averages of the last bid and ask prices of all options in the underlying option portfolio reported before a time on date t.Collateralized option index. Frip: Libor? Havent regulators recently found Libor to be hoax, or at least a product of hanky panky?Exchange trading of mutual funds or other portfolio basket products; US 8,341,070 B2; 12/25/2012; Class 705/37; 18 claims; assigned to NYSE MKT LLC.Information associated with an actively managed fund; process involves extracting factor information from the information, applying a factor analysis to the extracted factor information, selecting a hedging basket of securities, and transmitting at least one of the extracted factor information and information associated with the hedging basket of securities to a trader, the transmitted information being used by a trader for creating a hedging portfolio that manages investment risk in the actively managed fund, wherein the fund assets are not disclosed to the trader.Factor information and information associated with the hedging basket of securities. Frip: Hedging. Can you ever really hedge an investment, or is it just dumb luck?System and method for providing latency protection for trading orders; US 8,341,070 B2; 12/25/2012; Class 705/37; 18 claims; assigned to BGC Partners, Inc.An order associated with a first price; process involves identifying a latency value, receiving a counterorder, and identifying a potential trade associated with the order and the counterorder, the potential trade based at least in part on the first price.If the latency value satisfies a configurable condition, the processor initiates a configurable period of time, and if the potential trade is not valid upon expiration of the configurable period, the processor prevents the execution of the potential trade. Frip: Latency. Sounds like an ED problem.Customized consumer loan product search system and method; US 8,341,073 B1; 12/25/2012; Class 705/38; 27 claims; assigned to LoanInsights, LLC.Loan criteria from a consumer; centralized and searchable lender database or databases comprised of a plurality of lending institutions' underwriting guidelines and interest rate pricing for loan products.Optimized loan products or pricing for a consumer. Frip: Yippee! I found me a loan. Now I can buy that cool. . . . What was it I wanted to buy?Prediction of future funds positions; US 8,341,077 B1; 12/25/2012; Class 705/39; 27 claims; assigned to Bank of America Corporation.Transaction history of a selected party; expected future change in funds that could be a deposit or withdrawal.Funds estimate for the selected party at a specified future time. Frip: Is a prediction of future funds really patent material? Well, the PTO says it is.Intelligent identification of on-line bank accounts utilized for business purposes; US 8,341,081 B1; 12/25/2012; Class 705/39; 28 claims; assigned to Intuit Inc.Segmented or tokenized data of a customer account hosted by a financial institution; set of rules that is applied to each individual segment to tag or assign a score to each individual segment, and a second or global set of rules that is applied to multiple name segments or groups of segments.Score that is used to determine whether the customer uses the account identified by the account name for business purposes. 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