Abstract: 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.

Abstract: A method, system, and computer readable storage medium according to an exemplary embodiment of the present disclosure, may provide a cloud computing environment (CCE) that includes a plurality of resources, and receives, at the CCE, a request from a user for performing a petrotechnical workflow. The user may be remotely located with respect to the CCE. Furthermore, embodiments of the present disclosure may provision one or more of the plurality of resources for performing the petrotechnical workflow; perform the petrotechnical workflow using the one or more provisioned resources; and associate a cost with usage of the one or more provisioned resources for performing the petrotechnical workflow.

Abstract: A system and method for providing a user with a plurality of guaranteed minimum retirement income payments is disclosed. The system comprises a variable immediate annuity module to receive an income generating payment and to output a guaranteed minimum retirement income payment amount wherein the periodic retirement income payment amount is greater than, equal to, or less than a guaranteed minimum periodic retirement income payment amount if the income generating payments received are received according to a predetermined payment schedule, and wherein the predetermined guaranteed minimum periodic retirement income payment amount is defined by the user.

Abstract: A method of allowing content-based billing to a prepaid subscriber or subscribers is disclosed. According to one embodiment of the invention, the content-based billing is achieved by forwarding volume limit threshold data normally used by the Serving GPRS support node to the Gateway GPRS support node, which according to the prior art, counted all data bits at the same rate. According to this embodiment, by forwarding the volume limit threshold data to the GGSN, a modified data count is accumulated since billable data is monitored and accumulates, whereas free data does not accumulate. This modified data count is then provided from the gateway GPRS support node to the Serving GPRS support node, which then transmits the accumulated data count to the SCP.

Abstract: A method is provided for predictive growth and burn rate analysis in software pipeline management. The method comprises providing, for each of multiple projects in a software project pipeline, a set of inputs that includes labor demand, labor supply, and one or more historical data points. The method also includes aggregating the inputs, and calculating an overall labor supply/demand balance. The method then compares the difference between the balance and the historical data points to a reasonable threshold.

Abstract: A network-based payment service and site provides various features for facilitating payments. One such feature enables users of the payment service to create pay boxes, or other types of payment objects, that can be incorporated into externally hosted web pages and used to make payments. In some embodiments, the payment objects enable users to make payments directly from the externally hosted web pages.

Abstract: The disclosed embodiments provide a system and method for automatically generating a composite contract characterized by at least one parameter. A first subset of eligible component contracts is identified from a set of available component contracts wherein each of the available component contracts is characterized by at least one attribute. A second subset of component contracts is then selected from the first subset to generate the composite contract.

Abstract: An exemplary embodiment includes a data processing system and method for managing the origination of a mortgage loan by a loan originator in coordination with a loan broker for a loan customer. The loan originator is not the loan broker. The loan originator provides services necessary for the origination of the mortgage loan and not duplicative of services provided by the loan broker.

Abstract: A plurality of banks of first deposit provide checking account activity data for both transit items (checks received for deposit that need to be cleared) and incoming returns (bounced checks) to a statistical model which determines from the data the likelihood that a check from a specific checking account will be returned. This data is used to populate a database of checking accounts to be used for making check risk decisions, such as check hold policy decisions, check acceptance decisions, and open to buy decisions.

Abstract: A computer implemented method, system, and/or computer program product generate an optimal training policy and an optimal promotion policy to accommodate an upcoming project. Required new job positions are identified for an upcoming project. A skillset matrix, which describes a current skill level of each worker in a work unit, and a promotion matrix, which describes historical evaluations of how well each worker achieved predefined goals of past projects, are generated. The skillset matrix is utilized to create an optimal training policy that identifies which workers are in need of additional training in order to qualify for one or more of the identified new job positions, and the promotion matrix is utilized create an optimal promotion policy that identifies which workers will be candidates for being promoted into one or more of the identified said new job positions.

Abstract: A product assortment planning system determines scaled performance metric values for an assortment of products. The system includes a data store storing performance metric values for an assortment of products including a target assortment of products and a source assortment of products, an equivalization unit and a scaling unit. The equivalization unit equivalizes the performance metric values for the source assortment of products. The scaling unit determines incrementality assumptions. The incrementality assumptions are an estimation of an amount of cannibalization that occurs for the target assortment of products as a result of combining the source assortment of products with the target assortment of products. Scaled performance metric values are calculated for each product in the assortment of products based on the equivalized performance metric values and the incrementality assumptions.

Abstract: An account management system has been developed that enables customer or client-related information to be stored, viewed and manipulated in a manner that reflects the relationship among different customers. The account management system includes an account data structure that defines accounts and relates customers to accounts so that the accounts include a group of related customers. In addition, a method of managing an underwriting account for an insurance policy has been developed. In particular, a method comprises the steps of establishing a plurality of participants; assigning each participant of the plurality of participants to an account; establishing business rules at an account level; and providing an underwriting decision for an account based upon the business rules.

Abstract: A system and method is provided that provides an early indication of consensus of opinion among a number of users regarding an event or observation indicated by a user. Such an opinion may be interesting to an information consumer, who may be interested in determining the outcome of the consensus relating to the event or observation, or may otherwise desire to perform surveillance or survey of a particular issue or subject. Such recognition of early events or observations may be useful in different areas, such as healthcare, finance, etc., where initial observations, if provided early, allow resulting decisions to be made much earlier. The opinion may, for instance, be used as an early indicator of problem with a product, company, etc. that would permit an information consumer to perform an action at a much earlier point than if he/she relied on traditional sources of information. Thus, such opinion information may be invaluable as a tool for monitoring events.

Abstract: Systems, methods, and computer program products for establishing and using credit limits between counterparties and for managing risk in the trading of financial interests. Credit filtered views of executable market information are provided to trading parties. By setting credit limits used to provide credit-filtered views, a trading party may control the amount of future financial exposure that the trading party will incur with any counterparty in one or more present-and/or future time periods in trades by the trading party during a trading session. The credit limit information may be used by a central computer to provide credit filtered market views to trading parties. During a trading session, the credit remaining of a set credit limit between the trading party and the respective counterparty is changed according to trades executed between the trading party and the counterparty.

Abstract: The present invention provides a system and method of for the banking and trading of emissions reductions credits (ERC's) and a computer site therefore. The system and method of the present invention utilizes a global communication network to trade ERC's.

Abstract: System, method, computer program and computer program product, and business model for rapid tenant screening, recommendation, and conversion of data to lease documents. Provides structure and method for entering data from application to rent real estate for rapidly acquiring credit and screening from servers for the prospective tenant, passing information through a computer program that evaluates financial criteria, and presenting decision whether or not to accept tenant. Manager enters information about property and terms of lease, and automatically converts tenant credit information into leasing for signatures that will serve as legal basis for tenancy. Lease and credit information are all stored on central computer, remotely accessible for both on-site and off-site management to view, and controlled by access security protocol.