Abstract: A system for processing traditional open-end mutual fund purchase and redemption orders at a server at designated Exchange(s) for receiving order messages from at least one of a plurality of Brokers and Member Firms, the server having at least one processor and memory for storing routines operable to process individual or aggregated order messages, preferably based on a prioritized set of business rules, and/or match the purchase and redemption orders, reformat the orders, and transmit the reformatted orders to at least one of a plurality of Fund/Securities Clearing Agents, Funds/Transfer Agents and Depositaries for confirmation, and clearing and settlement of issuance and redemption orders for mutual fund shares, as well as payment of mutual fund dividends.

Abstract: In accordance with certain embodiments of the present disclosure, a method is provided. The method includes receiving a loan application from an applicant, the loan application including information of the applicant and based at least on the received loan application, determining creditworthiness of the applicant. The method also includes providing the received information of the applicant to a prepaid card provider for instantaneous disbursement of loan proceeds via a virtual prepaid debit card to the applicant by the prepaid card provider based at least on the creditworthiness of the applicant.

Abstract: A computerized mortgage loan notification and marketing system and process to enable mortgage professionals or others to provide automated notification and reports to individuals setting forth the availability of mortgage loans. The individual's desired loan parameters are obtained and calculations are made to determine whether the desired loan is available. If the desired loan becomes available, a notification is automatically presented to the individual. A system for providing mortgage professionals with automated notifications that their customers' desired loan terms are available is also disclosed.

Abstract: A system and method to provide food stamp benefits to recipients. The state agency responsible for distributing food stamp benefits to eligible recipients employs an issuer to produce consumer access devices for distribution to the recipients. The consumer access device is encoded with information enabling the food stamp recipients to purchase specified items from merchants. By imprinting the consumer access device with indicia identifying a commercial payment processing network and employing the commercial payment processing network to process the transactions, transaction funded by the food -stamp program will appear to be credit or debit transactions personally funded by the food stamp recipient.

Abstract: A kiosk based purchasing system coupled by a network to a payment processor and fulfillment house. The system includes a plurality of kiosks coupled to one or more servers. Each of the kiosks has an embedded computing system configured to display information related to product offerings stored in its system memory to a customer without accessing the network. Customers input orders and related payment information into the kiosks. Each order identifies at least one product and includes a shipping address. Each kiosk transmits each order and related payment information to the servers. The servers transmit the payment information to the payment processor, which either approves or rejects the payment. If the payment is approved, the server transmits the order to the fulfillment house, which ships the products identified in the order to the shipping address. Kiosks may be transported to events, and configured to sell products related to those events.

Abstract: Apparatus and methods for waiving at least a portion of a service fee. The apparatus and methods may involve providing a check card to a customer and determining whether the customer is using the check card sufficiently to warrant waiving the fee or a portion of the fee. In some embodiments, the apparatus and methods may involve enrolling the customer in a check card program. The customer may select alerts regarding check card usage. The check card issuing entity may monitor the usage to reduce the risk of unauthorized use.

Abstract: A system and method for effecting a substantially real-time financial transaction between at least one secure account linked to a computer device, such as a checking account that ultimately has a delayed-settlement of financial transactions, and one other financial account, such as another secure account linked to another computer device. A financial services system allows remote computer devices, such as mobile computer devices, to store access codes, such as debit card numbers, for secure accounts and the financial services system can then effect a desired transaction over an existing electronic transaction network, such as an ATM/Debit network, thereby causing the financial transaction to occur substantially in real-time between secure accounts.

Abstract: A Method of Transferring Money includes the steps of: Accepting Information from a Sender, Creating a PIN (Personal Identification Number) for Sender, Accepting funds from Sender, Wiring Funds to a Central Bank Account, Accepting a PIN Number from a Recipient, Comparing PIN Number provided by Recipient with PIN Number created for Sender, Disbursing Funds to Recipient.

Abstract: A system and method for a recurring payment transaction is provided. A system of authenticating a recurring payment transaction may include an adaptive payment server that includes one or more processors configured to retrieve account information, which may include a payment date and an identification of a communication device of a payor. The adaptive payment server may initiate a communication to the communication device on or before the payment date and communicate at least a portion of the account information to the communication device. The adaptive payment server may receive, from the communication device, approval information and determine whether to initiate payment of the recurring payment transaction using the approval information. The adaptive payment server may initiate payment of the recurring payment transaction based on the determination.

Abstract: A system for processing deposits and/or withdrawals in a financial institution accepts a plurality of documents, including currency bills, at an input receptacle of a document-processing device, converts the image of at least some of the documents to electronic data representing the image. The currency bills are denominated by the document processing device, and the total value of the bills included in each deposit is accumulated. Whenever the total value of the bills in a deposit exceeds a prescribed value, a report may be generated containing at least an identification of the specified account, the total value of the bills in the deposit, and the serial numbers of the bills. The serial numbers may be extracted from images of the bills.

Abstract: This disclosure involves systems, methods, and software for viewing, managing, or otherwise analyzing financial securities utilizing a three-dimensional display of related data and metrics. This disclosure describes techniques that facilitate the combination of financial data with 3D search technology to provide a user-friendly view and analysis of securities market data. The intuitive visual landscape offers a contextual picture that allows the user to display several layers of information simultaneously. Moreover, the disclosure describes this intuitive mechanism for looking at financial markets and identifying opportunities within a multi-dimensional landscape linked to additional integrated data panes, thus helping enable rapid analysis. The techniques may utilize or facilitate customizable metrics, seamless system compatibility, and integrated portfolio tools. The securities landscape may allow on-the-fly changes to quickly answer user queries.

Abstract: A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.

Abstract: A customer mobile personal point-of-sale terminal (CMPPT) includes a Point-Of-Sale (POS) sleeve portion that slidingly engages, and couples to, a cellular telephone. The cellular telephone is used to communicate encrypted information between a financial transaction verification entity (FTVE) and the POS sleeve portion. The sleeve portion includes a mechanism for reading in a merchant account number at the point-of-sale, and for communicating in a secure encrypted fashion with the FTVE via the cellular telephone portion. Rather than a customer entering sensitive financial information into a merchant's POS terminal (MPT) and trusting the merchant with such information, merchant information is entered into the CMPPT. The CMPPT initiates a transaction by sending the customer's account information and the merchant information to the FTVE. The FTVE receives information about the transaction directly from the MPT.

Abstract: Healthcare purchase data from a transaction upon a patient's account may be required to be transported and stored for safeguarding patient confidentiality if sufficient to identify the patient and the purchase. To avoid non-compliance, a transaction hander (TH) receives the data from a merchant's acquirer as encrypted by a key known to both the acquirer and TH. After decrypting the data with that key, the TH re-encrypts it with a key known only to the TH, and then stored. After receiving an issuer's request for the data, the TH decrypts the data using its own key, re-encrypts it using a key known only to the TH and the issuer, and then sends it to the issuer who will decrypt the data using that key. The unencrypted data may be used by the issuer to demonstrate the issuer's regulatory compliance to a governmental entity.

Abstract: Transaction scoring is performed in a distributed manner across a client-server computing system. A computing system for processing a transaction includes a server system and a client system. The server system is arranged to process information associated with the transaction, while the client system communicates with the server system and includes a key engine which is arranged to generate keys. The client system and the server system are arranged to cooperate to make probabilistic determinations associated with the transaction. The client is arranged to send the keys generated by the key engine as a transaction to the server system.

Abstract: A system and method for secure payment transactions is provided. The system may include an adaptive payment server including one or more processors configured to receive a first communication including first identification information from a first communication device on a first communication channel. The adaptive payment server may identify a second communication device based on the first identification information and initiate a second communication to the second communication device on a second communication channel, which may be discrete from the first communication channel. The adaptive payment server may receive second identification information from the second communication device on the second communication channel and authenticate the payment transaction using the first identification information and the second identification information.

Abstract: Embodiments of the disclosure generally relate to systems and methods for processing electronic payments for retail services and goods delivered by a retail establishment. In embodiments, a mobile wallet application is installed in the automobile. The automobile wallet application can receive and/or send transaction and payment information over a near field communication system to a retailer and on to an authorizing authority. The authorizing authority receives the payment and transaction information, authorizes or declines the payment of the transaction, and forwards the authorization or declination to the automobile wallet application. If authorized, the retailer provides the retail good or service.

Abstract: A consumer initiated automated and dynamic negotiation enables the consumer to obtain more beneficial rates and/or other terms between the consumer and one or more energy providers. The negotiation is based on anticipated computational processing requirements of the consumer, and the current energy costs being offered by each provider. Other elements such as the ability of the provider to timely supply the energy and the differential between the costs of traditional and green energy may also be factored in. The results of the negotiation can produce a shifting of all or part of the workload to another provider or an alternative geographical location to capitalize on lower power rates or conditions of delivery. The negotiation may be based on an auction between more than one competing energy supplier.

Abstract: A trading platform and trading method that allows access to additional pools of liquidity is described. Other embodiments are also described.

Abstract: A trading platform and trading method that allows access to additional pools of liquidity is described. Other embodiments are also described.

Abstract: The subject matter of this specification can be embodied in, among other things, a system that includes a container document, a plurality of portable program modules residing in the container document, and a repeater residing in the container document. In addition, at least one of the plurality of portable program modules may be configured to define a communication channel and to identify itself to the repeater as a publisher to the communication channel. Furthermore, at least one of the plurality of portable program modules may be configured to identify itself as a subscriber to the communications channel.

Abstract: A system for use in an inventive process for at least one invention includes at least one of a conception module that is adapted to receive, process and communicate information associated with conception and reduction to practice of the at least one invention; an exploitation module that is adapted to receive, process and communicate information associated with deciding whether to exploit the at least one invention in a market place; a testing module that is adapted to receive, process and communicate information associated with testing of the at least one invention; and a patent application module that is adapted to receive, process and communicate information associated with preparation, filing and prosecution of the at least one invention. Each of the modules is adapted for installation and operation with one or more computer devices, and further adapted to share particular information associated with the inventive process with at least another one of the modules.

Abstract: A system and method for providing automated real estate transaction management with centralized transaction information storage is described. Transaction information is centrally maintained and includes a plurality of transaction specifications. Each such transaction specification includes one or more deadlines that provide an agent component and a client component. An agent view is presented by interactively parsing through the transaction specification for at least one client of an agent and determining sections of the transaction information relating to the agent component. A client view is displayed by generating a hierarchy of the deadlines applicable to the real estate transaction and interactively providing select parts of the transaction information relating to the client component. Completion of the real estate transaction is dependent upon the completion of the agent component and the client component.

Abstract: Methods of the present invention allow for validating eCommerce transactions. An exemplary method for validating an eCommerce transaction may comprise the steps of validating a Hosting Provider, validating a Merchant using the Hosting Provider to host an eCommerce website, and validating a Customer who may purchase goods or services from the Merchant via the eCommerce website. If the Hosting Provider, Merchant, and Customer are validated, an eCommerce transaction may be approved.

Abstract: A system in which questionnaire research through the Internet communication using a mobile telephone is made and the consideration for returning the questionnaire is given to the replier, characterized in that the consideration returning method may be the one in which charge of calls by the replier equivalent to the consideration can be paid by a third person or the one in which the portion of the charge of the calls by the replier, the user of the mobile telephone, for one month equivalent to the consideration is paid by a third person and the remainder is paid by the replier. A questionnaire system is characterized by comprising auction means by means of which a questionnaire about things that a questionnaire making person feels daily is made, the answers are auctioned, and the reward obtained by the auction is returned to the questionnaire making person and replier.

Abstract: The systems and methods described calculate ranges of wealth for an estate and for one or more recipients of multi-generational estate transfers. The calculations utilized in the systems and method considered a plurality of options for transferring wealth from a grantor to multi-generational recipients. The systems and methods also process a large number of simulations for different scenarios in the transfer of wealth.

Abstract: A unique method and apparatus for analyzing data related to a tradable financial instrument employs a finite state decision tree as a predictive model of future trade prices for the instrument. The decision tree may be multi-layered with each layer divided into nodes representing a range of numerical values. For each layer of the decision tree, a user-selected or user-defined analytic equation/algorithm processes the data into numerical analytic values that are used to populate the nodes of the decision tree. A future price offset is determined for each node. The future price offset represents a prediction for a future price change of the financial instrument and can be used as a basis for trading the instrument.

Abstract: Optimizing fixed rate whole loan trading. Specifically, the invention provides computer-based systems and methods for optimally packaging a population of whole loans into bonds in either a senior/subordinate bond structure or into pools of pass through securities guaranteed by a government agency. Models for each type of bond structure are processed on the population of loans until either an optimal bond package is found or a user determines that a solution of sufficient high quality is found. Additionally, the models can account for bids for whole loans by allocating whole loans that meet requirements of the bid but are least favorable to be securitized.

Abstract: A system and method for ETF investing that provides a primary exchange traded fund (PETF) that comprises a plurality of shares, wherein the primary exchange traded fund comprises investments in a plurality of secondary exchange traded funds (SETF). The system and method enable intraday, or other periodic, trading of a variable number and type of ETFs through a single ETF, based on one or more categories and factors including, but not limited to, real-time NAVs.

Abstract: A system and appertaining method are provided in which a brokerage firm transmits confidential information about security trading intentions to an anonymous server that follows through on a trade only if there is a likelihood that the trade can be completed. Pricing inputs are obtained that help a price engine determine pricing information for securities. The trade itself is executed by a primary trading system. If the trade is not completed, then the confidential information is not shared with a market maker or other purchasing or selling entity. When security is low and trust is high, for speed purposes, among other things, the anonymous server may be located with a market maker. When security is high and trust is low, any or all of the anonymous server, price engine, and primary trading system can be collocated on site with the broker in a secure environment.

Abstract: Methods and systems for estimating time-varying factor exposures of either an individual financial instrument or a portfolio of such instruments, through the solution of a constrained multi-criteria dynamic optimization problem, providing an estimation error function and one or more transition error functions to be minimized over a period of time. The factor exposures relay the influence of the factors on the return of the instrument or portfolio. The estimation error function provides the estimation error at each time interval between the return of the asset collection and a sum of products of each factor exposure and its respective factor. Each transition error function provides a transition error of each factor exposure between time intervals. In one embodiment, the constraints can include a budget constraint and non-negativity bounds applying to some or all of the factor exposures.

Abstract: Embodiments of the present invention provides for methods, systems and computer program products for utilizing time measurement in advertising pricing. The method according to one embodiment of the present invention comprises identifying one or more advertisements that are to be displayed in conjunction with one or more web documents. The one or more web documents are displayed in conjunction with the one or more advertisements and a time period the one or more advertisements are displayed is monitored. A monetary value for display of the one or more advertisements is determined on the basis of the time period the one or more advertisements are displayed.

Abstract: A method of creating an electronic pricing schedule for use by a pharmaceutical pricing system includes the steps of determining an average wholesale price (“AWP”) for a quantity of a drug, determining a median sales price (“MSP”) for the quantity of the drug, wherein the MSP is based on historical sales data, and determining a discount rate based on the quantity of the drug. The method further includes the steps of calculating a gross profit percentage (“GP %”), wherein the GP % is based on the AWP, the MSP, and the discount rate, and generating an electronic pricing schedule, wherein the drug is associated with the GP %.

Abstract: The selection of an optimal data center location for running a computational workload is based on multiple energy criteria. The location is chosen based on multivariate and predictive analysis of total direct and indirect energy costs, and other user-defined factors. Among the direct and indirect costs are power costs and cooling costs as well as structural and other details of a given data center. Among the other factors to be considered that can have an impact on present and future costs are weather patterns, data and forecasts, availability of energy providers, and energy attributes. A forecaster factors these direct and indirect costs along with extrinsic information such as historical trends and predictive sources into a forecast which is then input to a decision engine along with user defined criteria and with anticipated compute tasks and requirements to select a final location or locations for handling the workload.

Abstract: A method of creating an advertising campaign of the ‘Treasure Hunt’ variety which has the appearance of a sweepstakes is disclosed. The method is unique in that unlike a sweepstakes, no element of chance is involved and all participants are winners. In operation, individually identifiable entry certificates, coupons or other tokens are distributed to a target audience universe through any of several means such as direct mail, inclusion in printed periodicals or via on-line distribution. Recipients are advised that their entry form is definitely a winner at one of a number of participating business locations which are geographically proximate or otherwise accessible to the recipient. Each participating business is supplied with a list of the identification data of the distributed entry certificates which are winners at their location, and various levels of prizes may be awarded.

Abstract: A system and a method are disclosed for implementing managing relationships between data on a mobile computing based on user creation and definition of the relationships. A mobile computing device user generates asymmetric relationships between stored entities, events, tasks and communications. These asymmetric relationships are custom-generated by the user to reflect the user's classification and evaluation of the relationships. The user also assigns a score to each relationship and stored entity, event, task and communication to represent the user's classification of the relationship, entity, event, task or communication. Hence, the user assigns a value to the relationships between data as well as the stored data to indicate which relationship or stored data is most valuable to the user. The user-defined relationships between data can be automatically displayed when the mobile communication device is used to interact with a stored entity.

Abstract: A system for increasing user interaction with a digital video library. In response to receiving a question by an interactive digital video library server from a user regarding course material being presented from a digital video library, it is determined whether the question is in an audio format. In response to determining that the question is in an audio format, the question is converted into a text format. The course material is searched in a time sliced video index database for an answer to the question using keywords found in the text format of the question. Also, other course materials similar to the course material are searched in a video knowledge base. A weight is assigned to each search result hit found in the course material and the other course materials. Search result hits are outputted in a priority order according to assigned weight and user preference.

Abstract: Embodiments of the present invention use a construct referred to herein as a “choicebox” to support choice-making within a conceptual choicespace. The choicebox allows the identification of one or more options, one or more factors, and one or more perspectives for a particular choice. Each choice is associated with one or more categories. The options, factors, and perspectives are logically mapped to imagined x, y, and z axes and can be envisioned and graphically represented as a three-dimensional assessment matrix or box. Within the context of the present invention, choiceboxing is the activity of deliberating about a choice using such matrices. Choiceboxes are built and manipulated using software that renders their data into visual and interactive form. They serve as shareable places for collaborative deliberation.

Abstract: An intelligent method for displaying patient data is described. Patient data may be collected from a variety of reporting systems. The method normalizes the patient data so that it may be compared to a set of rules used to define various conditions. The method identifies a medical or non-medical condition based on the patient data and set of rules. Based on the identified condition, the method then recommends a user interface for displaying patient data to a user. A user may accept or reject the recommended user interface and/or may select a different user interface. The users' selections are collected for automated analysis in order to improve the recommendations made to other users based on similar patient or user data.

Abstract: A hardware accelerator is provided for Boolean constraint propagation (BCP) using field-programmable gate arrays (FPGAs) for use in solving the Boolean satisfiability problem (SAT). An inference engine may perform implications. Learned clauses may be generated during conflict analysis. Operations pertaining to learned clauses may include clause insertion and clause deletion (e.g., by invalidation) from a learned clause inference engine, and “garbage collection” in which unused or invalidated clauses may be removed from an inference engine.

Abstract: An eForm with integrated business logic is created from an existing eForm using a parser to parse a source eForm to extract attributes of items on the source eForm. An item recognition unit recognizes interactive items in the source eForm according to the attributes of the items extracted by the parser. A business logic recognition unit recognizes business logic integrated into the source eForm according to the attributes of the items. An object eForm generator generates an object eForm containing the recognized interactive items and business logic.

Abstract: A system for fault prediction in a home network includes: a context generator for generating context information based on status data collected in real time about components of the home network; a specification interpreter for generating knowledge rules for fault detection by using specifications of the components of the home network; a context analyzer for analyzing if the context information meet the knowledge rules to classify the context information into normal situation contexts and abnormal situation contexts; a context pattern learner for generating new knowledge rules based on the abnormal situation contexts and fault rules corresponding to the abnormal situation contexts; a knowledge rule database for storing and managing the knowledge rules and the new knowledge rules; and a fault predictor for analyzing a correlation between the knowledge rules or the new knowledge rules and the generated context information, thereby predicting faults to be generated.

Abstract: Subject matter disclosed herein relates to various embodiments of a chemical reaction-type metaheuristic. According to an embodiment, solutions to an objective function can be determined by iteratively searching for a minimum energy state of one or more interactions of molecules in a chemical reaction. The molecules in the chemical reaction can be assigned to represent the possible outcomes of the objective function. In a specific embodiment, the interactions of the molecules can modeled as on-wall ineffective collisions, decompositions, inter-molecular ineffective collisions, and synthesis. The type of interaction can affect where the next molecular structure is searched.

Abstract: Knowledge-based interpretable predictive modeling is provided. Expert knowledge is used to seed training of a model by a machine. The expert knowledge may be incorporated as diagram information, which relates known causal relationships between predictive variables. A predictive model is trained. In one embodiment, the model operates even with a missing value for one or more variables by using the relationship between variables. For application, the model outputs a prediction, such as the likelihood of survival for two years of a lung cancer patient. A graphical representation of the model is also output. The graphical representation shows the variables and relationships between variables used to determine the prediction. The graphical representation is interpretable by a physician or other to assist in understanding.

Abstract: An approach for solving a global optimization problem is described. Specifically, one embodiment of the disclosure sets forth a method, which includes the steps of receiving a quantitative initial solution, generating a quantitative feasible solution, mapping the quantitative feasible solution to a qualitative feasible solution, determining whether to accept the qualitative feasible solution based on a first predetermined rule, wherein the qualitative feasible solution that is accepted is reverse mapped to the quantitative feasible solution, and transmitting a result of the determining step.

Abstract: V An anomalous effect detector (100, 130, 300, 800, 830, 840, 900, 930) responsive to an influence of mind comprises a source of non-deterministic random numbers, SNDRN, (104, 134, 310), a phase-sensitive filter (108, 140, 170, 320), and a results interface (110, 160, 340). In some embodiments, the phase-sensitive filter comprises a complex filter (170). An artificial sensory neuron (802, 810, 820, 906) comprises a SNDRN. Preferably, several artificial sensory neurons (802, 906) are grouped in a small volume. An analog artificial sensory detector (800) comprises a plurality of analog artificial sensory neurons (802), an abstracting processor (804) and a control or feedback unit (806). Some embodiments include an artificial neural network (850). An artificial consciousness network (900) contains a plurality of artificial neural networks (902, 914). One of the artificial neural networks (914) comprises an activation pattern meta-analyzer.

Abstract: A system for managing a purchase agreement, including: a memory element for at least one specially-programmed general purpose computer, for storing an artificial intelligence program (AIP), and a purchase agreement between a customer and at least one business entity, the purchase agreement including at least one requirement regarding at least one retail transaction between the customer and the at least one business entity; a processor in the computer for: compiling a purchasing history for the customer with respect to the at least one business entity and the purchase agreement, the memory element for storing the purchasing history and modifying, using the processor, the purchasing history, and the AIP, the at least one requirement to increase revenue or profitability of the at least one business entity; and an interface element in the computer for transmitting the modified at least one requirement for presentation to the customer.

Abstract: Disclosed here in are a system and method for providing a magnetic resonance treatment to a subject. In one described embodiment, a system for providing a magnetic resonance treatment to a subject is provided, the system including components that provide the system with an ability to treat pain and relieve symptoms of the subject. In another embodiment, a method of providing a magnetic resonance treatment to a subject is provided, wherein the system includes components that provide the system with an ability to treat pain, relieve symptoms, provide relaxation, and improve the overall comfort and well-being of the subject.

Abstract: Device, system, and method of determining a solution scheme of a poly-algorithm solver. Some embodiments include a method of determining a solution scheme to be applied to input data by a poly-algorithm solver including a plurality of algorithms, the method including receiving a calling sequence including input values of a predefined set of parameters corresponding to the input data; based on the input values, choosing one of first and second algorithm selection models for selecting one or more of the algorithms to be applied to the input data by the solver. Other embodiments are described and claimed.

Abstract: Embodiments of the present invention address deficiencies of the art in respect to technical support management and provide a novel and non-obvious method, system and computer program product for intelligent problem tracking to optimize technical support. In an embodiment of the invention, a method for intelligent problem tracking can include receiving recorded information of tracked end user behavior collected in an end user computing system while the end user addresses a problem in the end user computing system, determining a level of technical sophistication of the user based upon the recorded information, selecting a technical support level corresponding to the determined level of technical sophistication of the user, and transmitting a resolution to the problem in a message to the end user computing system commensurate with the selected technical support level.