Abstract: Described herein are various apparatuses, methods, and computer program products for providing a carbon-footprint modeling environment that determines a consumer's carbon footprint based on the consumer's acquisition of goods and/or services, as indicated by the consumer's transaction data. For example, the carbon-footprint modeling environment collects the consumer's transaction data for a predefined period of time and identifies transaction data that indicates the consumer's acquisition of goods and/or services that, when produced and/or consumed, result in greenhouse gas emissions. According to some embodiments, the carbon-footprint modeling environment categorizes goods and/or services into, for example, the following categories: transportation, housing, food, waste, and miscellaneous.

Abstract: A computer assisted method selecting a potential audience for an advertisement wherein the method may include electronically receiving data relating to at least one financial transaction between a customer of an organization and a third party, electronically receiving data relating to at least one demographic of the customer, and using a demographic evaluation computer to determine a potential audience for an advertisement based on the financial transaction data and the demographic data.

Abstract: Aspects of this disclosure relate to a financial relationship and social relationship identifying computer which may include a processor and a memory storing computer executable instructions that, when executed, cause the computer to perform a method for identifying financial relationships and social relationships between customers of a business. The method for identifying financial relationship and social relationships between customers of a business may include determining one or more people with whom a first customer has conducted at least one financial transaction, electronically receiving customer data providing identities of customers of the business determining which of the one or more people are also customers of the business by comparing the one or more people with the customer data and compiling a subset of the one or more people including customers of the business with whom the first customer has conducted at least one financial transaction.

Abstract: A customer-oriented loan or credit product that allows separate multiple assets to be used as collateral in a single lending product such as a loan (for example, a home equity loan) or a line of credit (for example, a home equity line of credit).

Abstract: A liquid propelled rocket engine comprising a unique pintle injector, radial injector plate and ablative insert to improve combustion stability and reduce harmonic disturbance within the chamber. The injector plate is generally in the shape of a ring surrounding a combination spud and pintle injector, the two allowing at least one liquid propellant and one liquid oxidizer to be injected into the chamber. The injector plate has an array of injectors for injecting liquid propellant into the chamber and a series of cavities within allowing the harmonic disturbance to be damped and providing a more stable combustion environment. The number of cavities and the unique pintle injector's length and width are chosen to reduce harmonic disturbance in the longitudinal, radial and lateral modes. A method for designing engine components and tuning harmonic frequencies within a combustion chamber is also disclosed.