Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2007-03-14
2008-10-07
Subramanian, Narayanswamy (Department: 3691)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S035000, C705S037000, C705S038000
Reexamination Certificate
active
07433840
ABSTRACT:
A multivariable search system for the comparative analysis of financial products allows the user to enter a set of criteria of their choice with desired ranges and in addition, a weighting factor to be applied to the criteria. Mutual funds, for instance, may be searched according to desired rates of return, fund type categories, and assigned levels of weight or emphasis on different ones of the criteria. Search results may be returned in coded form, indicating which candidate products they match all of the selected criteria, and which ones generate the highest net score given the weighting and other factors. Searches may be revised or refined based on the presented results, or new searches may be performed. Hot linkable connections may be presented to transaction sites to carry out purchases, obtain prospectuses, or other activities relating to the mutual fund or other financial products returned.
REFERENCES:
patent: 3634669 (1972-01-01), Soumas et al.
patent: 4254474 (1981-03-01), Cooper et al.
patent: 4598367 (1986-07-01), DeFrancesco et al.
patent: 4642768 (1987-02-01), Roberts
patent: 4736294 (1988-04-01), Gill et al.
patent: 4739478 (1988-04-01), Roberts et al.
patent: 4760604 (1988-07-01), Cooper et al.
patent: 4831526 (1989-05-01), Luchs et al.
patent: 4866634 (1989-09-01), Reboh et al.
patent: 4897811 (1990-01-01), Scofield
patent: 5220500 (1993-06-01), Baird et al.
patent: 5227874 (1993-07-01), Von Kohorn
patent: 5231571 (1993-07-01), D'Agostino
patent: 5278751 (1994-01-01), Adiano et al.
patent: 5321833 (1994-06-01), Chang et al.
patent: 5444844 (1995-08-01), Inoue et al.
patent: 5481647 (1996-01-01), Brody et al.
patent: 5523942 (1996-06-01), Tyler et al.
patent: 5551021 (1996-08-01), Harada et al.
patent: 5583778 (1996-12-01), Wind
patent: 5592590 (1997-01-01), Jolly
patent: 5603025 (1997-02-01), Tabb et al.
patent: 5606496 (1997-02-01), D'Agostino
patent: 5611052 (1997-03-01), Dykstra et al.
patent: 5649116 (1997-07-01), McCoy et al.
patent: 5655085 (1997-08-01), Ryan et al.
patent: 5717865 (1998-02-01), Stratmann
patent: 5732397 (1998-03-01), DeTore et al.
patent: 5758328 (1998-05-01), Giovannoli
patent: 5765144 (1998-06-01), Larche et al.
patent: 5774878 (1998-06-01), Marshall
patent: 5774883 (1998-06-01), Andersen et al.
patent: 5802502 (1998-09-01), Gell et al.
patent: 5842178 (1998-11-01), Giovannoli
patent: 5848400 (1998-12-01), Chang
patent: 5852811 (1998-12-01), Atkins
patent: 5870721 (1999-02-01), Norris
patent: 5873096 (1999-02-01), Lim et al.
patent: 5875437 (1999-02-01), Atkins
patent: 5878403 (1999-03-01), DeFrancesco et al.
patent: 5913202 (1999-06-01), Motoyama et al.
patent: 5918217 (1999-06-01), Maggioncalda et al.
patent: 5920848 (1999-07-01), Schutzer et al.
patent: 5930775 (1999-07-01), McCauley et al.
patent: 5940811 (1999-08-01), Norris
patent: 5940812 (1999-08-01), Tengel et al.
patent: 5963953 (1999-10-01), Cram et al.
patent: 5987434 (1999-11-01), Libman
patent: 6009415 (1999-12-01), Shurling
patent: 6018722 (2000-01-01), Ray
patent: 6021397 (2000-02-01), Jones
patent: 6029195 (2000-02-01), Herz
patent: 6078900 (2000-06-01), Ettl et al.
patent: 6088686 (2000-07-01), Walker
patent: 6144944 (2000-11-01), Kurtzman et al.
patent: 6192314 (2001-02-01), Khavekh et al.
patent: 6199077 (2001-03-01), Inala
patent: 6202053 (2001-03-01), Christiansen
patent: 6298303 (2001-10-01), Khavekh et al.
patent: 6317726 (2001-11-01), O'Shaughnessy
patent: 6327574 (2001-12-01), Kramer
patent: 6370516 (2002-04-01), Reese
patent: 6487497 (2002-11-01), Khavakh et al.
patent: 6601044 (2003-07-01), Wallman
patent: 6609118 (2003-08-01), Khedkar et al.
patent: 6629082 (2003-09-01), Hambrecht et al.
patent: 6836763 (2004-12-01), Munsil et al.
patent: 2002/0011850 (2002-01-01), Togashi et al.
patent: 2002/0059139 (2002-05-01), Evans
patent: 2003/0028319 (2003-02-01), Khavakh et al.
patent: 2003/0208483 (2003-11-01), Satomi et al.
patent: WO 99/27432 (1999-06-01), None
patent: WO 99/39290 (1999-08-01), None
patent: WO 01/11532 (2001-02-01), None
Robert E. Cumby, jack D. Glen; Evaluating the Performance of International Mutual Funds; Journal of Finance; vol. 45, No. 2 Jun. 1990), pp. 497-521.
Tim McLaughlin; Tapping Web to Search for Right Fund—FundProfiler Speeds Search; Boston Herald; Dec. 16, 1999; p. 70.
John Markese; Can You Trust Mutual Fund Rankings? Consumer Research; Oct. 1993; pp. 20-24.
“At Your Request™,” from www.wingspanbank.com, select “Bank,” then select “Concierge Services,” Wingspan was first disclosed to public on Jun. 24, 1999.
“Collections Strategy Model Phase II Proposal,” Applied Decision Analysis, Inc. in coordination with First USA Bank, Aug. 7, 1996, pp. 1-29; “Collections Strategy Model Phase I Results—Appendix A,” 11 pages.
“Credit Scoring New Markets (Credit disadvantaged people are proving to be a lucrative lending market for banks),” Bank Technology News, vol. 9, No. 7, Jul. 1996, 5 pages.
“CTI (Computer-Telephony Integration),” CSU/DSU (Channel Service Unite/Data Service Unit), author unknown, pp. 208-210.
“Internet bank moves closer to virtual reality,” in USA Today, by Robyn Meredith, May 5, 1995, 1 page.
“The Sub-Prime Credit Market: Identifying Good Risks for Unsecured Cards,” Credit World, vol. 85, No. 1, by James J. Carey, Sep. 1996, 4 pages.
Asch, Latimer, How the RMAIFair, Isaac credit-scoring model was built, Journal of Commercial Lending, vol. 77, No. 10, pp. 10-16, Jun. 1995.
Carey, James J., The Sub-Prime Credit Market: Identifying Good Risks for Unsecured Cards vol. 85, No. 1, Credit World, pp. 13-15, Sep. 1996.
Credit Scoring New Markets, Bank Technology News, vol. 9, No. 7, p. 1, Jun. 1996.
Fred Fortner, There Must be a Better Way, Mortgage Banking vol. 53, No. 2, pp. 12-22, Nov. 1, 1992.
FreeMarkets® Web Applications Informational Brochure, including the following sections: 1-Buyers Saving Money; 2-Suppliers Growing Sales; 3-About FreeMarkets; 4-Career Opportunities; 5-Contacts; 6-What's New; and 7-Index, 1999, 34 pages.
Friedland, Marc, Credit Scoring Digs Deeper into Data, Credit World, vol. 84, No. 5, pp. 19-23, May 1996.
Harris InfoSource Information Products to Grow Your Sales Brochure, including sections 1-About Harris InfoSource; 2-Information Solutions; 3-Harris InfoOnline; 4-Order a Product; 5-Online Resources; and 6-Contact us, Apr. 26, 1999, 12 pages.
Hickman, Michael, Using Software to Soften Big-Time Competition, Bank Systems & Technology, vol. 31, No. 8, pp. 38-40, Jun. 1994.
Jameson, Ron, Expanding Risk Management Strategies: Key to Future Survival, vol. 84, No. 5, Credit World, pp. 16-18, May 1996.
Makuch, Willaim J., Managing Consumer Credit Delinquency in the US Economy: A Multi-Billion Dollar Management Science Application, Interfaces, pp. 90-109, Feb. 1992.
Opportunity Knocks at Scoring's Door (Trends and developments in scoring technology examined; scoring now is used for everything from prescreening credit card applicants o debt collections), Collections & Credit Risk, vol. 2, No. 4, Apr. 1997, 6 pages.
Opportunity Knocks at Scoring's Door, Collection & Credit Risk, vol. 2, No. 4, Apr. 1997.
Product Data Integration Technologies, Inc. Informational Brochure, including sections 1-The Company; 2-Services; 3-Products; 4-Communications Center; 5-Career Center; 6-New on the Site; and 7-Search our Site.
Roger, John C. et al, A Credit Scoring Model to Evaluate the Credit Worthiness of Credit Card Applicants, Developments in Marketing Science, vol. 5, 1982.
Sullivan, Deidre, Scoring Borrower Risk, Mortgage Banking, vol. 55, No. 2, pp. 94-98, Nov. 1994.
Taylor, Clair et al, Card Issuers Turn to Scoring as They Face Increasing Risk, Financial Services Report, vol. 8, No. 15, p. 1, Jul. 24, 1991.
“All-In-One Consumer Guide to Online Personal Finance Debuts” PR Newswire, May 17, 2000, p. 1-2.
WingspanBank.com and Frictionless Commerce Launch New Service for Finding, Comparing, and Purchasing Mutual Funds' Business Wire, Dec. 6, 1999, p.
Carnahan John
Wallace Bill
Chencinski Siegfried E.
Goodwin & Procter LLP
JPMorgan Chase Bank N.A.
Subramanian Narayanswamy
LandOfFree
System and method for dynamic, multivariable comparison of... does not yet have a rating. At this time, there are no reviews or comments for this patent.
If you have personal experience with System and method for dynamic, multivariable comparison of..., we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and System and method for dynamic, multivariable comparison of... will most certainly appreciate the feedback.
Profile ID: LFUS-PAI-O-3997041