WO1999050774A1 - A method for optimizing risk management - Google Patents
A method for optimizing risk management Download PDFInfo
- Publication number
- WO1999050774A1 WO1999050774A1 PCT/US1999/005574 US9905574W WO9950774A1 WO 1999050774 A1 WO1999050774 A1 WO 1999050774A1 US 9905574 W US9905574 W US 9905574W WO 9950774 A1 WO9950774 A1 WO 9950774A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- product
- passiva
- activa
- çay
- amount
- Prior art date
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
Definitions
- This invention relates to ⁇ sk allocation in banking industries and more
- ⁇ sk Management of ⁇ sk is fundamental to the business of banking and is
- ncing is used to descnbe the activity of a bank
- interest passiva product i.e.- savings accounts, or the like, for which the bank pays
- a bank takes a risk when providing a loan that the
- an activa product can be financed by the capital from a
- each of the passiva products may permissibly be financed by each of the passiva products is pre-determined.
- risk management constraints may 3 permit i.e.- only 25% of the 10% interest rate loans to be financed by the 1% interest
- the bank can not automatically finance its highest interest-
- the present invention is a computer system that employs a method for
- One such array stores information corresponding
- the distribution array is sorted by the maximum
- result array which is an array that
- the passiva and activa product arrays are adjusted to reflect the
- the distribution array is re-sorted, and the entry with the next highest
- FIG. 1 depicts the basic structure of the financial management system of the
- FIG. 2 depicts a passiva product array, in accordance with one embodiment of the invention
- FIG. 3 depicts an activa product array, in accordance with one embodiment of
- FIG. 4 depicts a financing mix table, in accordance with one embodiment of
- FIG. 5 depicts a distribution array, in accordance with one embodiment of the
- FIG. 6 depicts a flow chart, in accordance with one embodiment of the
- FIG. 7 depicts a result a ⁇ ay, in accordance with one embodiment of the
- the present invention optimizes the rate of return of a bank which is
- the present invention details the creation of arrays, or
- Computer system 10 is configured to browse a bank's product
- An activa table 12 and a passiva table 14 are defined by memory buffer
- Tables 12 and 14 are configured to store information
- a financing mix table 16 is defined by
- Table 16 is configured to 6 receive information relating to the bank's financing mix.
- this information may be entered manually.
- this information may be entered manually.
- financing mix information may be automatically browsed by computer
- Computer system 10 includes an optimizer 20 which is configured to
- Optimizer 20 includes a
- distribution table 24 storing distribution data as will be explained in more detail
- Computer system 10 also includes a result table 22, which is configured
- financing mix table 16 An example of financing mix table 16 is shown in
- Computer system 10 utilizes
- distribution a ⁇ ay 24 An example of distribution a ⁇ ay 24 is shown in Figure 5, as
- Optimizer 20 performs a series of
- result table 22 which shows the optimal allocation of capital.
- result 7 table 22 is shown in Figure 7. The calculations and operations are described later in
- Figure 2 shows passiva product a ⁇ ay 14, which is created as a result
- step 106 database 18 for the passiva product information is also shown in step 106 in the flow
- the passiva product a ⁇ ay 14 contains information on each of the
- Passiva products which the bank offers to its customers. Passiva products are those
- the bank uses for capital. For making these deposits and to encourage further
- the bank typically pays its customers interest based on a percentage of the
- Figure 2 shows an identifier used to identify (and
- Figure 3 shows activa product a ⁇ ay 12, which is also created as a
- Activa product a ⁇ ay 12 contains information on each of the activa
- Activa products are those products which the bank offers to its customers.
- the bank typically charges its customers interest based on a percentage of
- This interest rate is usually significantly higher than the interest
- Figure 3 shows an
- Figure 5 shows a distribution a ⁇ ay 24.
- the distribution a ⁇ ay 24 is a distribution a ⁇ ay 24.
- financing mix table 16 An example of financing mix table 16 is shown in Figure 4. The
- financing mix designates what percentage of each activa product may be financed by
- Each line of the financing mix table 16 contains,
- the identifier of the activa product the identifier of a passiva product
- Figure 6 is a flow chart that illustrates the operation of optimizer 20 in
- computer system 10 begins the optimization process. At steps 104 and 106, 9 computer system 10 retrieves information co ⁇ esponding to activa and passiva
- computer system 10 sets up distribution a ⁇ ay 24.
- Distribution a ⁇ ay 24 uses the
- financing mix table 16 contains an entry for each activa product paired
- distribution a ⁇ ay 24 contains an
- distribution a ⁇ ay 24 includes the
- the interest rate of the passiva product can be found in its co ⁇ esponding
- delta interest rate is simply found by 10 subtracting the interest rate of the passiva product (which is presumed to be the lower
- This maximum interest amount represents the profit
- step 1 12 the
- distribution a ⁇ ay 24 preferably includes an available capital
- the available capital amount is ideally designated as the maximum
- passiva product For instance, if a passiva product, such as 1002 in Figure 2, has
- Figure 2 is $400,000, then the available capital amount would ideally be designated
- a ⁇ ay is sorted in descending order based on the maximum interest amount.
- the first entry in distribution a ⁇ ay 24 is the entry which co ⁇ esponds to the greatest
- computer system 10 selects the first entry (i.e.- the most
- the sorting step is not an essential step of the
- Figure 2 has an available capital amount of $500,000 and an allocation, such as
- step 130 computer system 10 determines whether distribution a ⁇ ay
- step 1 14 evaluates the next entry in
- present method searches the remaining entries for the greatest maximum interest
- step 1 18 goes to step 1 18 to readjust the entry.
- step 1 18 goes to step 1 18 to readjust the entry.
- the entry will be re-sorted in distribution a ⁇ ay 24, utilizing its available interest
- step 114 of the flow chart at a subsequent time when other selected entries
Abstract
Description
Claims
Priority Applications (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
CA002291287A CA2291287A1 (en) | 1998-03-27 | 1999-03-16 | A method for optimizing risk management |
AU31861/99A AU3186199A (en) | 1998-03-27 | 1999-03-16 | A method for optimizing risk management |
EP99913883A EP0985190A1 (en) | 1998-03-27 | 1999-03-16 | A method for optimizing risk management |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US09/049,690 | 1998-03-27 | ||
US09/049,690 US6078905A (en) | 1998-03-27 | 1998-03-27 | Method for optimizing risk management |
Publications (1)
Publication Number | Publication Date |
---|---|
WO1999050774A1 true WO1999050774A1 (en) | 1999-10-07 |
Family
ID=21961158
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US1999/005574 WO1999050774A1 (en) | 1998-03-27 | 1999-03-16 | A method for optimizing risk management |
Country Status (5)
Country | Link |
---|---|
US (1) | US6078905A (en) |
EP (1) | EP0985190A1 (en) |
AU (1) | AU3186199A (en) |
CA (1) | CA2291287A1 (en) |
WO (1) | WO1999050774A1 (en) |
Families Citing this family (71)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6249775B1 (en) * | 1997-07-11 | 2001-06-19 | The Chase Manhattan Bank | Method for mortgage and closed end loan portfolio management |
US7062462B1 (en) | 1999-07-26 | 2006-06-13 | The Chase Manhattan Bank | On-line higher education financing system |
US7003483B1 (en) | 1999-09-17 | 2006-02-21 | Sacco Company | System and method for optimizing the number of units of a security purchased or sold on a periodic basis |
US6876991B1 (en) | 1999-11-08 | 2005-04-05 | Collaborative Decision Platforms, Llc. | System, method and computer program product for a collaborative decision platform |
US7599879B2 (en) * | 2000-03-24 | 2009-10-06 | Jpmorgan Chase Bank, National Association | Syndication loan administration and processing system |
US7299204B2 (en) * | 2000-05-08 | 2007-11-20 | Karl Peng | System for winning investment selection using collective input and weighted trading and investing |
US8224783B1 (en) * | 2000-09-26 | 2012-07-17 | Conocophillips Company | Information management system |
US8762178B2 (en) * | 2000-09-30 | 2014-06-24 | Advisen, Ltd. | System and method for providing global information on risks and related hedging strategies |
US20050144114A1 (en) * | 2000-09-30 | 2005-06-30 | Ruggieri Thomas P. | System and method for providing global information on risks and related hedging strategies |
US8285641B2 (en) * | 2000-11-06 | 2012-10-09 | Jpmorgan Chase Bank, N.A. | System and method for selectable funding of electronic transactions |
US7653561B2 (en) * | 2000-12-13 | 2010-01-26 | Accenture Global Services Gmbh | Stochastic multiple choice knapsack assortment optimizer |
US7472088B2 (en) * | 2001-01-19 | 2008-12-30 | Jpmorgan Chase Bank N.A. | System and method for offering a financial product |
US20020152157A1 (en) * | 2001-01-25 | 2002-10-17 | Atanas Stoyanov | Computerized retail finance program selection systems and methods |
US20020123961A1 (en) * | 2001-01-25 | 2002-09-05 | Atanas Stoyanov | Computerized retail lease program selection systems and methods |
US7181428B2 (en) * | 2001-01-30 | 2007-02-20 | Goldman, Sachs & Co. | Automated political risk management |
US7389265B2 (en) | 2001-01-30 | 2008-06-17 | Goldman Sachs & Co. | Systems and methods for automated political risk management |
US8121937B2 (en) | 2001-03-20 | 2012-02-21 | Goldman Sachs & Co. | Gaming industry risk management clearinghouse |
US20020138417A1 (en) * | 2001-03-20 | 2002-09-26 | David Lawrence | Risk management clearinghouse |
US7548883B2 (en) * | 2001-03-20 | 2009-06-16 | Goldman Sachs & Co | Construction industry risk management clearinghouse |
US8285615B2 (en) | 2001-03-20 | 2012-10-09 | Goldman, Sachs & Co. | Construction industry risk management clearinghouse |
US8140415B2 (en) | 2001-03-20 | 2012-03-20 | Goldman Sachs & Co. | Automated global risk management |
US8209246B2 (en) | 2001-03-20 | 2012-06-26 | Goldman, Sachs & Co. | Proprietary risk management clearinghouse |
US7904361B2 (en) * | 2001-03-20 | 2011-03-08 | Goldman Sachs & Co. | Risk management customer registry |
US7958027B2 (en) * | 2001-03-20 | 2011-06-07 | Goldman, Sachs & Co. | Systems and methods for managing risk associated with a geo-political area |
US8069105B2 (en) * | 2001-03-20 | 2011-11-29 | Goldman Sachs & Co. | Hedge fund risk management |
US7899722B1 (en) | 2001-03-20 | 2011-03-01 | Goldman Sachs & Co. | Correspondent bank registry |
WO2003017164A1 (en) * | 2001-08-10 | 2003-02-27 | B.D.D. Ventures Ltd. | A system and method for data processing of option/share pooling, and a method for conducting business |
US7472084B2 (en) * | 2001-08-16 | 2008-12-30 | Gravity Investments, Llc | Method and apparatus for creating and managing a visual representation of a portfolio and determining an efficient allocation |
US20030069789A1 (en) * | 2001-10-04 | 2003-04-10 | Koninklijke Philips Electronics N.V. | System and business method for offering seat upgrades to patrons at a public facility |
US6975996B2 (en) * | 2001-10-09 | 2005-12-13 | Goldman, Sachs & Co. | Electronic subpoena service |
AU2002367595A1 (en) * | 2001-11-28 | 2003-09-22 | Goldman, Sachs And Co. | Transaction surveillance |
US7415471B1 (en) | 2001-11-30 | 2008-08-19 | Midland Loan Services, Inc. | Methods and systems for automated data collection and analysis for use in association with asset securitization |
US7937305B1 (en) | 2001-12-28 | 2011-05-03 | The Pnc Financial Services Group, Inc. | Methods and systems for analyzing the status of an entity and its financial transactions |
US7729963B1 (en) | 2001-12-28 | 2010-06-01 | The Pnc Financial Services Group, Inc. | Methods and systems for processing and communicating financial transaction data |
US7827080B2 (en) * | 2002-02-14 | 2010-11-02 | Multiple-Markets | Fixed income securities ratings visualization |
US8548885B2 (en) * | 2002-02-14 | 2013-10-01 | Multiple-Markets | Fixed income securities ratings visualization |
US7383227B2 (en) * | 2002-05-14 | 2008-06-03 | Early Warning Services, Llc | Database for check risk decisions populated with check activity data from banks of first deposit |
US8239298B1 (en) | 2002-07-24 | 2012-08-07 | Wilson David B | Method and apparatus for managing financial accounts |
WO2004047082A2 (en) * | 2002-11-14 | 2004-06-03 | Goldman, Sachs & Co. | Independent research consensus earnings estimates and methods of determining such |
US7937302B1 (en) | 2002-11-20 | 2011-05-03 | The Pnc Financial Services Group, Inc. | Methods and systems for monitoring, analyzing and reporting information in association with collateralized financial instruments |
US20080040163A1 (en) * | 2002-12-13 | 2008-02-14 | James Lacy Harlin | System and method for paying and receiving agency commissions |
US20050080701A1 (en) * | 2002-12-23 | 2005-04-14 | Ge Corporate Financial Services, Inc. | Methods and systems for managing risk management information |
US8589273B2 (en) | 2002-12-23 | 2013-11-19 | Ge Corporate Financial Services, Inc. | Methods and systems for managing risk management information |
US9307884B1 (en) | 2003-01-27 | 2016-04-12 | The Pnc Financial Services Group, Inc. | Visual asset structuring tool |
US20040204972A1 (en) * | 2003-04-14 | 2004-10-14 | Animesh Anant | Software tool for evaluating the efficacy of investments in software verification and validation activities and risk assessment |
US20040236647A1 (en) * | 2003-05-23 | 2004-11-25 | Ravi Acharya | Electronic checkbook register |
US7685040B2 (en) * | 2003-06-11 | 2010-03-23 | Morgan Stanley | Investment methods and systems for use in association with a pairs trading strategy |
US7668777B2 (en) * | 2003-07-25 | 2010-02-23 | Jp Morgan Chase Bank | System and method for providing instant-decision, financial network-based payment cards |
US7953663B1 (en) | 2003-09-04 | 2011-05-31 | Jpmorgan Chase Bank, N.A. | System and method for financial instrument pre-qualification and offering |
US7881994B1 (en) | 2003-09-11 | 2011-02-01 | Fannie Mae | Method and system for assessing loan credit risk and performance |
US20050182713A1 (en) * | 2003-10-01 | 2005-08-18 | Giancarlo Marchesi | Methods and systems for the auto reconsideration of credit card applications |
US20090313163A1 (en) * | 2004-02-13 | 2009-12-17 | Wang ming-huan | Credit line optimization |
US7574387B2 (en) * | 2004-03-04 | 2009-08-11 | Accenture Global Services Gmbh | Capital allocation and risk management |
US7519587B2 (en) * | 2004-07-02 | 2009-04-14 | Goldman Sachs & Co. | Method, system, apparatus, program code, and means for determining a relevancy of information |
US8510300B2 (en) | 2004-07-02 | 2013-08-13 | Goldman, Sachs & Co. | Systems and methods for managing information associated with legal, compliance and regulatory risk |
US8762191B2 (en) | 2004-07-02 | 2014-06-24 | Goldman, Sachs & Co. | Systems, methods, apparatus, and schema for storing, managing and retrieving information |
US8996481B2 (en) * | 2004-07-02 | 2015-03-31 | Goldman, Sach & Co. | Method, system, apparatus, program code and means for identifying and extracting information |
US8442953B2 (en) | 2004-07-02 | 2013-05-14 | Goldman, Sachs & Co. | Method, system, apparatus, program code and means for determining a redundancy of information |
US7809634B1 (en) | 2004-07-09 | 2010-10-05 | Bierc Gary J | Enterprise-wide total cost of risk management using ARQ |
US8533030B1 (en) | 2004-08-30 | 2013-09-10 | Jpmorgan Chase Bank, N.A. | In-bound telemarketing system for processing customer offers |
US7685064B1 (en) | 2004-11-30 | 2010-03-23 | Jp Morgan Chase Bank | Method and apparatus for evaluating a financial transaction |
US7783544B2 (en) | 2004-12-21 | 2010-08-24 | Weather Risk Solutions, Llc | Financial activity concerning tropical weather events |
US7783543B2 (en) | 2004-12-21 | 2010-08-24 | Weather Risk Solutions, Llc | Financial activity based on natural peril events |
US7584134B2 (en) | 2004-12-21 | 2009-09-01 | Weather Risk Solutions, Llc | Graphical user interface for financial activity concerning tropical weather events |
US7584133B2 (en) | 2004-12-21 | 2009-09-01 | Weather Risk Solutions Llc | Financial activity based on tropical weather events |
US8266042B2 (en) | 2004-12-21 | 2012-09-11 | Weather Risk Solutions, Llc | Financial activity based on natural peril events |
US7693766B2 (en) | 2004-12-21 | 2010-04-06 | Weather Risk Solutions Llc | Financial activity based on natural events |
US7783542B2 (en) | 2004-12-21 | 2010-08-24 | Weather Risk Solutions, Llc | Financial activity with graphical user interface based on natural peril events |
US7925578B1 (en) | 2005-08-26 | 2011-04-12 | Jpmorgan Chase Bank, N.A. | Systems and methods for performing scoring optimization |
US8489497B1 (en) | 2006-01-27 | 2013-07-16 | Jpmorgan Chase Bank, N.A. | Online interactive and partner-enhanced credit card |
US8156030B2 (en) * | 2008-04-03 | 2012-04-10 | Gravity Investments Llc | Diversification measurement and analysis system |
Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US4953085A (en) * | 1987-04-15 | 1990-08-28 | Proprietary Financial Products, Inc. | System for the operation of a financial account |
US5649116A (en) * | 1995-03-30 | 1997-07-15 | Servantis Systems, Inc. | Integrated decision management system |
US5806049A (en) * | 1993-04-21 | 1998-09-08 | Petruzzi; Christopher R. | Data processing system for global assessment of investment opportunity and cost |
US5884287A (en) * | 1996-04-12 | 1999-03-16 | Lfg, Inc. | System and method for generating and displaying risk and return in an investment portfolio |
Family Cites Families (9)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US4722055A (en) * | 1984-03-08 | 1988-01-26 | College Savings Bank | Methods and apparatus for funding future liability of uncertain cost |
US4799156A (en) * | 1986-10-01 | 1989-01-17 | Strategic Processing Corporation | Interactive market management system |
US5644727A (en) * | 1987-04-15 | 1997-07-01 | Proprietary Financial Products, Inc. | System for the operation and management of one or more financial accounts through the use of a digital communication and computation system for exchange, investment and borrowing |
US5148365A (en) * | 1989-08-15 | 1992-09-15 | Dembo Ron S | Scenario optimization |
US5220500A (en) * | 1989-09-19 | 1993-06-15 | Batterymarch Investment System | Financial management system |
WO1995006290A2 (en) * | 1993-08-18 | 1995-03-02 | Wells Fargo Nikko Investment Advisors | Investment fund management method and system |
AU4373196A (en) * | 1994-12-13 | 1996-07-03 | Fs Holdings, Inc. | A system for receiving, processing, creating, storing and disseminating investment information |
US5745706A (en) * | 1994-12-30 | 1998-04-28 | Wolfberg; Larry | Computer system and related equipment for spending and investment account management |
US5784696A (en) * | 1995-02-24 | 1998-07-21 | Melnikoff; Meyer | Methods and apparatus for evaluating portfolios based on investment risk |
-
1998
- 1998-03-27 US US09/049,690 patent/US6078905A/en not_active Expired - Fee Related
-
1999
- 1999-03-16 WO PCT/US1999/005574 patent/WO1999050774A1/en not_active Application Discontinuation
- 1999-03-16 EP EP99913883A patent/EP0985190A1/en not_active Withdrawn
- 1999-03-16 CA CA002291287A patent/CA2291287A1/en not_active Abandoned
- 1999-03-16 AU AU31861/99A patent/AU3186199A/en not_active Abandoned
Patent Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US4953085A (en) * | 1987-04-15 | 1990-08-28 | Proprietary Financial Products, Inc. | System for the operation of a financial account |
US5806049A (en) * | 1993-04-21 | 1998-09-08 | Petruzzi; Christopher R. | Data processing system for global assessment of investment opportunity and cost |
US5649116A (en) * | 1995-03-30 | 1997-07-15 | Servantis Systems, Inc. | Integrated decision management system |
US5884287A (en) * | 1996-04-12 | 1999-03-16 | Lfg, Inc. | System and method for generating and displaying risk and return in an investment portfolio |
Non-Patent Citations (1)
Title |
---|
DATABASE STN PROMT 1 January 1900 (1900-01-01), CARIBBEAN BUSINESS: "Computers Help Manage Cash Flows", XP002921122, Database accession no. 01431610 * |
Also Published As
Publication number | Publication date |
---|---|
CA2291287A1 (en) | 1999-10-07 |
EP0985190A1 (en) | 2000-03-15 |
AU3186199A (en) | 1999-10-18 |
US6078905A (en) | 2000-06-20 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US6078905A (en) | Method for optimizing risk management | |
US11727492B1 (en) | Systems, methods, and computer products for directing cash flows associated with mortgage-backed securities | |
US7966329B1 (en) | Method and system for recognition and categorization of financial transactions | |
US7480632B2 (en) | Electronic collateral management system and method | |
US8407136B2 (en) | System and methods for providing starter credit card accounts | |
US7447657B1 (en) | Method and systems for handling method level processing in connection with account pricing | |
US7272578B1 (en) | Method and system for creating a portfolio of stock equities based on market capitalization and sales | |
US20070233597A1 (en) | Least cost network routing for electronic transactions | |
US6556979B1 (en) | Method and system for identifying consumer credit revolvers with neural network time series segmentation | |
AU2001295082A1 (en) | An electronic collateral management system and method | |
JP2002535781A (en) | Method and apparatus for allocating resources in the presence of uncertainty | |
WO2001018708A1 (en) | System and method for offering and providing secured credit card products | |
US20070239586A1 (en) | System and methd of rebalancing a portfolio of separately managed accounts | |
US7634438B2 (en) | Dynamic account mapping system for computerized asset trading | |
US8688560B2 (en) | Electronic collateral management system and method | |
CN109615492B (en) | Accounting voucher generation method and system | |
EP1669919A1 (en) | A data processing system and data processing method | |
Vickson et al. | On the relative effectiveness of stochastic dominance rules: Extension to decreasingly risk-averse utility functions | |
WO2002013097A9 (en) | Personal financial planning | |
CN117422489A (en) | Mass data optimization method device, equipment and readable medium under electronic market scene |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
AK | Designated states |
Kind code of ref document: A1 Designated state(s): AU CA CN IL JP RU |
|
AL | Designated countries for regional patents |
Kind code of ref document: A1 Designated state(s): AT BE CH CY DE DK ES FI FR GB GR IE IT LU MC NL PT SE |
|
ENP | Entry into the national phase |
Ref document number: 2291287 Country of ref document: CA Ref country code: CA Ref document number: 2291287 Kind code of ref document: A Format of ref document f/p: F |
|
121 | Ep: the epo has been informed by wipo that ep was designated in this application | ||
WWE | Wipo information: entry into national phase |
Ref document number: 1999913883 Country of ref document: EP |
|
WWP | Wipo information: published in national office |
Ref document number: 1999913883 Country of ref document: EP |
|
WWW | Wipo information: withdrawn in national office |
Ref document number: 1999913883 Country of ref document: EP |