Abstract: Computer-implemented methods and systems are presented for creating, displaying and interacting with a space-time focal density map indicating aggregate user engagement within video contenbased on user-initiated movements of a display device. User engagement may be tracked and stored at an individual user level as well as aggregated into the statistical compilation. The engagement data may be presented as a visual layer overlaid with the video content against which the engagement data was collected, effectively displaying a temporal interest heat map over the video content. A graphical representation of the engagement data may be displayed along with the heat map that includes axes representing a spatial dimension (e.g., degrees or radians from the center of the video) and a temporal dimension (e.g., the top of the graph represents the start of the video, and the bottom the end).

Abstract: A Dynamic Fraud Alert System (“DFAS”) for producing a fraud alert based on a received request to investigate (“RTI”) a potential customer, where the RTI is received from a requesting entity, and where the RTI includes potential customer information provided by the potential customer is described.

Abstract: A financial Alert Management System (“FAMS”) is described that reduces the occurrence of a non-payment event where the a first financial institution (“1st FI) refuses to pay a negotiable instrument generated by a Payor having a Payor account at the 1st FI, where the negotiable instrument has caused a non-sufficient funds (“NSF”) occurrence because the monetary amount of the negotiable instrument exceeds the available funds amount in the Payor account.

Abstract: A measure of good actions “MOGA” system and method is described that receives, collects and/or monitors actions of a Payor and ascribes a value to actions and combinations of actions over time thereby producing a good actions metric that may also be used as a credit worthiness metric.

Abstract: A renter and landlord friendly system ad method to compare property qualification scores for a renter, including having a renter fill out an online application to rent property; the application is submitted via renter's computing device to server; the server's decisioning engines process the application, verify submitted qualification data producing a score; and, renter interacts with user interface and estimates different sub scores which are used to generate a possible score.

Abstract: The present invention provides compositions, combinations, methods, sequences and kits for use of novel fluorescent proteins derived from the genus Branchiostoma. Specifically, polynucleotide and polypeptide sequences encoding fluorescent proteins isolated from Branchiostoma floridae, including harmonized sequences, which permit enhanced expression of the encoded polypeptides in mammalian cells in vivo are provided.

Abstract: A Financial Alert Management System (“FAMS”) for reducing the occurrence of a non-payment event of a negotiable instrument listing a monetary amount at a first financial institution (“1st FI”) is described. The FAMS includes a first communication module, a database, a timing module, a second communication module, a payment module, a mobile interface for financial alert system (“MIFAS”), and a controller in signal communication with the first communication module, the second communication module, the payment module, the timing module, and the database.

Abstract: The present invention provides compositions, combinations, methods, sequences and kits for use of novel fluorescent proteins derived from the genus Branchiostoma. Specifically, polynucleotide and polypeptide sequences encoding fluorescent proteins isolated from Branchiostoma floridae, including harmonized sequences, which permit enhanced expression of the encoded polypeptides in mammalian cells in vivo are provided.

Abstract: The present invention provides compositions, combinations, methods, sequences and kits for use of novel fluorescent proteins derived from the genus Branchiostoma. Specifically, polynucleotide and polypeptide sequences encoding fluorescent proteins isolated from Branchiostoma floridae, including harmonized sequences, which permit enhanced expression of the encoded polypeptides in mammalian cells in vivo are provided.

Abstract: A solar concentrator including a housing having a receiving wall, a reflecting wall and at least two end walls, the receiving, reflecting and end walls defining a three-dimensional volume having an inlet, wherein a vertical axis of the housing is generally perpendicular to the inlet, a receiver mounted on the receiving wall of the housing, the receiver including at least one photovoltaic cell, wherein a vertical axis of the receiver is disposed at a non-zero angle relative to the vertical axis of the housing, at least one clip disposed on the reflecting wall, an optical element received within the three-dimensional volume, the optical element including at least one tab, the tab being engaged by the clip to align the optical element with the receiver, and a window received over the inlet to enclose the housing.

Abstract: Production of a ketone or aldehyde prepared by condensation is optimized by dehydration and hydrogenation of a starting acetone/ketone or aldehyde in a reaction zone and wherein water is partially eliminated from such reaction product by at least one membrane pervaporation module, the pervaporation module being fed tangentially and situated laterally to the reaction zone and operating in a loop, and wherein a fraction of reaction product exiting the reaction zone is thus partially dehydrated and recycling such dehydrated concentrate to the reaction zone.

Abstract: A method for producing a carboxylic acid ester is described, particularly an acetic acid ester and specifically an ethyl acetate ester. Also described, is a method by which a carboxylic acid ester goes from an organic phase produced from an esterification reaction between a carboxylic acid and an alcohol. The organic phase can include, at least predominantly, the carboxylic acid ester and also minor amounts of alcohol and water. Further described, is a separation step, during which the organic phase is depleted of alcohol and free of carboxylic acid via a liquid-liquid extraction operation that is performed by placing said organic phase in contact with an aqueous phase, thus enabling the alcohol and the carboxylic acid, that are present in the organic phase, to be extracted to the aqueous phase.

Abstract: Rigid insulation products are provided, including a single unitary insulating member having slots for receiving the ends of floor joists. The insulating member may be pre-attached to a wood member, which functions as a joist header, or may be attached to a joist header during construction.

Abstract: A modular system for cladding exterior walls of a structure and insulating the structure walls provides thermally isolated vertical girders secured to a structural wall. The thermally isolated vertical girders positionally maintain insulation adjacent the structure and provide a means for mounting exterior wall cladding to the structure. Planar wall panels carrying exterior wall cladding elements mount directly or indirectly to the vertical girders. Corner elements, carrying exterior corner cladding elements interconnect with the underlying system and visually appear to interconnect with adjacent edge portions of the planar wall panels.

Abstract: A method of manufacturing a carboxylic acid ester is described. Also described, is a method for manufacturing a carboxylic acid ester by reacting a carboxylic acid and an alcohol, wherein the reaction is performed in the presence of an excess of carboxylic acid.

Abstract: A method for continuously separating organic materials of interest from fermentation, in particular lactic or alcoholic fermentation, by flash evaporation is described. The method can make it possible to avoid inhibiting the fermentation reaction and to obtain high yields and productivity.

Abstract: Two or more users can be connected over the internet or through the world-wide web or other network without the users exchanging access numbers and/or user identifications. Moreover an instant voice communication channel may be established based on the caller's device identification number or electronic signature without the need to create dedicated telephony paths or user names/passwords.

Abstract: A modular system for cladding exterior walls of a structure and insulating the structure walls provides thermally isolated vertical girders secured to a structural wall. The thermally isolated vertical girders positionally maintain insulation adjacent the structure and provide a means for mounting exterior wall cladding to the structure. Planar wall panels carrying exterior wall cladding elements mount directly or indirectly to the vertical girders. Corner elements, carrying exterior corner cladding elements interconnect with the underlying system and visually appear to interconnect with adjacent edge portions of the planar wall panels.

Abstract: Production of a ketone or aldehyde prepared by condensation is optimized by dehydration and hydrogenation of a starting acetone/ketone or aldehyde in a reaction zone and wherein water is partially eliminated from such reaction product by at least one membrane pervaporation module, the pervaporation module being fed tangentially and situated laterally to the reaction zone and operating in a loop, and wherein a fraction of reaction product exiting the reaction zone is thus partially dehydrated and recycling such dehydrated concentrate to the reaction zone.

Abstract: The present application describes therapy with angiogenesis antagonists such as anti-VEGF antibodies. In particular, the application describes the use of such angiogenesis antagonists to treat end-stage liver disease and end-stage liver disease complications. The present application also describes the use of such angiogenesis antagonists to treat disorders of altered venous proliferation such hemorrhoids and varicose veins.