Abstract: Provided are systems and methods for programmatically weighting disparate inputs to optimize a predictive model. The predictive model may generate component weighted values associated with each disparate input to facilitate programmatic combination of the disparate inputs, and an aggregated weighted value may be generated from the combined component weighted values. Aggregated weighted values may be generated for a plurality of input sets, each of which may be programmatically scored relative to the remaining input sets. In some embodiments, the predictive model and an associated engine may be packaged for instantiation and execution on a local terminal.

Abstract: Various embodiments are directed to apparatuses, methods, computer program products, computer readable media, and systems related to dynamic computing resource set generation and access control. In some embodiments, a system may be configured for automated resource access management associated with a selected computing resource set of a plurality of computing resource sets. The system may be configured to receive a resource access request associated with the selected computing resource set; store, at a database associated with a dynamic resource assembly system, access privilege data associated with the plurality of constituent computing resources of the selected resource set and the first account; and transmit the access privilege data to one or more of the plurality of constituent computing resources of the selected resource set, the access privilege data configured to cause association of the first account with the one or more of the plurality of constituent computing resources.

Abstract: Various embodiments are directed to apparatuses, methods, computer program products, computer readable media, and systems related to dynamic computing resource set generation and access control. In some embodiments, a system may be configured for automated resource access management associated with a selected computing resource set of a plurality of computing resource sets. The system may be configured to receive a resource access request associated with the selected computing resource set; store, at a database associated with a dynamic resource assembly system, access privilege data associated with the plurality of constituent computing resources of the selected resource set and the first account; and transmit the access privilege data to one or more of the plurality of constituent computing resources of the selected resource set, the access privilege data configured to cause association of the first account with the one or more of the plurality of constituent computing resources.

Abstract: Various embodiments are directed to apparatuses, methods, computer program products, computer readable media, and systems related to dynamic computing resource set generation and access control. In some embodiments, a system may be configured for automated resource access management associated with a selected computing resource set of a plurality of computing resource sets. The system may be configured to receive a resource access request associated with the selected computing resource set; store, at a database associated with a dynamic resource assembly system, access privilege data associated with the plurality of constituent computing resources of the selected resource set and the first account; and transmit the access privilege data to one or more of the plurality of constituent computing resources of the selected resource set, the access privilege data configured to cause association of the first account with the one or more of the plurality of constituent computing resources.

Abstract: Provided are systems and methods for programmatically weighting disparate inputs to optimize a predictive model. The predictive model may generate component weighted values associated with each disparate input to facilitate programmatic combination of the disparate inputs, and an aggregated weighted value may be generated from the combined component weighted values. Aggregated weighted values may be generated for a plurality of input sets, each of which may be programmatically scored relative to the remaining input sets. In some embodiments, the predictive model and an associated engine may be packaged for instantiation and execution on a local terminal.

Abstract: Embodiments of recombinant HIV-1 gp120 proteins that contain a V1 deletion are disclosed. Also provided are gp140, gp145, and gp160 proteins containing the V1 deletion, as well as HIV-1 Env ectodomain trimers containing protomers containing the V1 deletion. Nucleic acid molecules encoding these proteins are also provided. In several embodiments, the disclosed recombinant HIV-1 proteins and/or nucleic acid molecules can be used to generate an immune response to HIV-1 in a subject, for example, to treat or prevent an HIV-1 infection in the subject.

Abstract: A container with lower vibrations, such as quaking and shaking as well as noise effects, known also as hooting, honking or howling, and an effective and cost-competitive method and device to decrease such phenomena during the discharge of granular material particles from silos, hoppers, bins, reactors and in general containers for storing or processing such granular material particles. The container includes at least one baffle that is attached to the container wall, in the lower portion or at the bottom of the tapered discharge part of said container, protruding towards the central axis of its tapered discharge part. The baffle forms a stagnant zone in the bed of the granular material particles in contact with the container wall whereby the particles in that zone flow under the friction against other particles instead of the friction between the particles and the wall.

Abstract: A Kluyveromyces lactis yeast strain comprising the sequence identified by SEQ ID NO: 1, and methods for the production of sugars (glucose and galactose), ethanol, ?-galactosidase and biomass is provided, in which the Kluyveromyces lactis yeast strain is cultured in the presence of a lactose-containing medium. The lactose-containing medium may be milk, whey, whey resulting from the preparation of butter, whey resulting after casein precipitation, milk permeate, whey permeate, acid whey and YPL culture medium.

Abstract: The present invention is a Kluyveromyces lactis yeast strain comprising the sequence identified by SEQ ID NO: 1, and methods for the production of sugars (glucose and galactose), ethanol, ?-galactosidase and biomass, in which said Kluyveromyces lactis yeast strain is cultured in the presence of a lactose-containing medium. The lactose-containing medium may be milk, whey, whey resulting from the preparation of butter, whey resulting after casein precipitation, milk permeate, whey permeate, acid whey and YPL culture medium.

Abstract: The invention relates to strains of S. cerevisiae capable of secreting ?-galactosidase into culture medium, as well as to methods for obtaining ?-galactosidase using said strains and methods for producing biomass and bioethanol by means of culturing said strains in media rich in galactose. In another aspect, the invention provides methods for expressing recombinant proteins using a composition rich in galactose as a culture medium for the microorganisms producing said protein.

Abstract: A system that is configured for determining the value of one or at least one incoming call and routing the call for processing based on this determined value. In one embodiment, the system routes very low value calls to an automated system for processing, and directs all other calls to human operators for processing. In another embodiment, the system assigns at least one agent to one or more of a plurality of groups of agents based on the agent's past performance in executing a particular task. For example, the highest performing agents at handling a particular type of call are assigned to a first group, and the second highest performing agents at handling this type of call are assigned to a second group. In one embodiment, the most important calls are routed to the first, “highest performing” group for processing, and less important calls are routed to the second group for processing.

Abstract: A method for providing targeted fulfillment with respect to a wireless device protection program may include receiving claim information associated with a subscriber, the claim information indicative of a claim associated with a wireless device protection program, employing a predictive model to determine a plurality of options for fulfillment of the claim, the predictive model defining a weighted value for each option where the weighted value considers cost and a corresponding predicted benefit associated with each option, and enabling ranking of the plurality of options based on the weighted value of each option. A corresponding computer program product and apparatus are also provided.

Abstract: Computer systems that, in various embodiments, are configured for: (A) storing policy information within the system's memory, the policy information indicating that a particular individual holds a policy that provides the individual with the option to, upon the occurrence of a qualifying event, receive a loan at a below-market rate (e.g., 0%); (B) receiving data indicating that the qualifying event has occurred; and (C) at least partially in response to receiving the data indicating that the qualifying event has occurred, facilitating the provision of the loan to the particular individual at the below-market rate. The qualifying event may be, for example: (A) the death of a specified individual (e.g., the policy holder); (B) the disability of the specified individual; (C) the involuntary unemployment of the specified individual; (D) the birth of the specified individual's child; or (E) the adoption of a child by the specified individual.

Abstract: A method of providing insurance to a customer that comprises the steps of: (1) selling a service contract to the customer that provides protection against the mechanical breakdown or other failure of an item (and in some cases, accidental damage); and (2) in response to the customer purchasing the service contract, providing, at no cost to the customer, third-party-paid insurance coverage that protects the customer against damage to the item, which, in some cases, includes accidental damage. In one embodiment of the invention, the step of providing the third-party-paid insurance coverage is done in order to permit the provision of insurance without the use of a licensed insurance agent.

Abstract: Systems, methods, and computer program products are provided that allow customers to build equity (e.g., by adding money to their selected savings vehicle) feeling secure in knowing that, should they undergo one of the pre-determined events, they will have access to a low/no interest loan (or other loan) that will help them get through that period of crisis. The financial product may offer customers a collateralized loan during a time of need, the ability to set and redefine savings goals to reflect changes in a customer's life, savings on fees as collateral grows, the waiver of monthly fees during benefit period and for a one-month grace period, and a manageable payback schedule once the benefit period begins.

Abstract: A computer system-based automated loss verification system for evaluating the validity of claims filed under an insurance policy or debt protection contract is provided by this invention. Instead of requiring the claimant to contact the insurance company or lender to file the claim and provide exhaustive documentary proof of the validity of the claimed loss, the system pre-scores the relative risk of the claim using a risk assessment tool based upon predictive modeling and a number of potential risk factors. The associated automated loss verification tool uses this risk score and other information connected with the claim to assign a relative confidence level of proof of valid loss that must be satisfied before the claim can be approved through the adjudication process, and assigns a third-party supplied source or combination of sources of proof that can be automatically accessed by the system to validate the claim.

Abstract: Computer systems that, in various embodiments, are configured for: (A) storing policy information within the system's memory, the policy information indicating that a particular individual holds a policy that provides the individual with the option to, upon the occurrence of a qualifying event, receive a loan at a below-market rate (e.g., 0%); (B) receiving data indicating that the qualifying event has occurred; and (C) at least partially in response to receiving the data indicating that the qualifying event has occurred, facilitating the provision of the loan to the particular individual at the below-market rate. The qualifying event may be, for example: (A) the death of a specified individual (e.g., the policy holder); (B) the disability of the specified individual; (C) the involuntary unemployment of the specified individual; (D) the birth of the specified individual's child; or (E) the adoption of a child by the specified individual.

Abstract: A system that is configured for determining the value of one or at least one incoming call and routing the call for processing based on this determined value. In one embodiment, the system routes very low value calls to an automated system for processing, and directs all other calls to human operators for processing. In another embodiment, the system assigns at least one agent to one or more of a plurality of groups of agents based on the agent's past performance in executing a particular task. For example, the highest performing agents at handling a particular type of call are assigned to a first group, and the second highest performing agents at handling this type of call are assigned to a second group. In one embodiment, the most important calls are routed to the first, “highest performing” group for processing, and less important calls are routed to the second group for processing.

Abstract: A system that is configured for determining the value of one or at least one incoming call and routing the call for processing based on this determined value. In one embodiment, the system routes very low value calls to an automated system for processing, and directs all other calls to human operators for processing. In another embodiment, the system assigns at least one agent to one or more of a plurality of groups of agents based on the agent's past performance in executing a particular task. For example, the highest performing agents at handling a particular type of call are assigned to a first group, and the second highest performing agents at handling this type of call are assigned to a second group. In one embodiment, the most important calls are routed to the first, “highest performing” group for processing, and less important calls are routed to the second group for processing.

Abstract: A method of providing insurance to a customer that comprises the steps of: (1) selling a service contract to the customer that provides protection against the mechanical breakdown or other failure of an item (and in some cases, accidental damage); and (2) in response to the customer purchasing the service contract, providing, at no cost to the customer, third-party-paid insurance coverage that protects the customer against damage to the item, which, in some cases, includes accidental damage. In one embodiment of the invention, the step of providing the third-party-paid insurance coverage is done in order to permit the provision of insurance without the use of a licensed insurance agent.