Newness and distinctiveness is claimed in the features of ornamentation as shown inside the broken line circle in the accompanying representation.

Display screen or portion thereof with graphical user interface

An electronic exchange system network includes a trader site having an automated trading system capable of submitting orders and/or quotes to an exchange site. The automated trading system determines whether an order or quote should be submitted based on, for example, the current market price of an option and theoretical buy and sell prices. The theoretical buy and sell prices are derived from, among other things, the current market price of the security underlying the option. The theoretical buy and sell prices are calculated when underlying factors that contribute to the theoretical prices change. Computation times of the theoretical prices may be reduced by using precalculated values and/or using interpolation and extrapolation. Other techniques may be used in addition or in the alternative to speed automatic decision-making. In addition, a system of checks may be conducted to ensure accurate and safe automated trading. The automated trading system may be capable of automatically submitting orders in connection with the underlying security in order to hedge part of the delta risk associated with the automated option trades.

Automated Trading System in an Electronic Trading Exchange

The invention relates to systems and methods for analyzing data collected from sensors monitoring property. In particular, the systems and methods analyze the data to make property insurance underwriting decisions based on the collected sensor data using a computerized process that varies the way in which it manipulates the collected sensor data based on a characteristic of the property being insured, a characteristic of the entity seeking the insurance, and/or on the value of one or more collected data parameters. The invention also relates to systems and methods of making property insurance pricing decisions based on a similarly dynamic computerized process.

Systems and methods for analyzing sensor data

The present invention relates generally to systems and methods for monitoring driving behavior and providing feedback to the driver. The systems evaluate driving behavior and relay feedback to the driver in a fashion that is customized to take into account individual characteristics and demographic characteristics of the driver.

System and method for providing customized safety feedback

Systems and methods are described for providing fraud deterrents during e-commerce, e-transactions, and digital rights management and access. One or more fraud deterrents may be automatically selected by a client, seller, bank, or other 3 rd party and may be implemented or presented to the client as a potential fraud deterrent option that may be chosen. Fraud deterrent options may be provided which are associated with particular aspects of the transaction including a client's profile, the value of an item, or the preferences of the seller. The fraud deterrent features can be provided as part of a digital shopping cart and may be highly customized by the client including allowing the client to customize conceptual passwords which are presented during subsequent transactions.

Systems and methods for facilitating electronic transactions and deterring fraud

Share of Wallet (“SoW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumer's spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving prospecting, new applicant evaluation, and customer management across the lifecycle. In addition to credit card companies, SoW outputs may be useful to companies issuing, for example: private label cards, life insurance, on-line brokerages, mutual funds, car sales/leases, hospitals, and home equity lines of credit or loans. “Best customer” models can correlate SoW outputs with various customer groups. A SoW score focusing on a consumer's spending capacity can be used in the same manner as a credit bureau score.

Method and apparatus for consumer interaction based on spend capacity

Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumers spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving prospecting, new applicant evaluation, and customer management across the lifecycle. A SOW score focusing on a consumer's spending capability can be used in the same manner as a credit bureau score.

Method and apparatus for development and use of a credit score based on spend capacity

Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumers spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving prospecting, new applicant evaluation, and customer management across the lifecycle. The outputs can be used as attributes to consider in developing a credit bureau scorecard.

Credit score and scorecard development

Method and apparatus for targeting best customers based on spend capacity

Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumer's spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving prospecting, new applicant evaluation, and customer management across the lifecycle. The likelihood of default determined by the SOW model, when applied to a loan portfolio, can reduce the amount of credit enhancement required for an asset-backed securities rating.

Peter L. Williamson

Papers

Method and apparatus for consumer interaction based on spend capacity

Method and apparatus for development and use of a credit score based on spend capacity

Credit score and scorecard development

Method and apparatus for targeting best customers based on spend capacity

Method and apparatus for rating asset-backed securities