Abstract: The disclosure details the implementation of apparatuses, methods, and systems for a deposit process manager (“DPManager”) including aspects of a decisioning engine, aspects of a deposit delay component, and of a de queueing component. The DPManager is supported by the first workflow process engine in the financial industry to provide end-to-end solutions for complex brokerage and retirement deposits and check clearing. The OPManger can automatically route checks to be cleared electronically at numerous banks/clearing entities based on routing number, time of day, bank fees and float expense. The DPManager can capture data electronically without manual intervention with deposit slips.

Abstract: A method comprises receiving, by a processor, a query comprising at least one name of a target individual. The method further comprises determining, by the processor, a plurality of email addresses. Each of the determined email addresses has a respective prefix based at least in part upon the at least one name of the target individual, and the determination is based at least in part upon statistical data regarding common syntaxes for email addresses. The method further comprises determining email traffic based at least in part upon the determined email addresses. The method further comprises determining, by the processor, one or more relationships of the target individual based at least in part upon the determined email traffic.

Abstract: A family of hedge funds, serving as “feeder funds”into underlying single-manager hedge funds, formed to provide smaller investors with the ability to allocate and reallocate assets among alternative strategies, and this basic structure combining interrelated systems and methods for offering, redeeming, exchanging, valuing, reporting and servicing the same is a new approach. The system and methods described herein provide investors having less than ultra-high net worth portfolios with access to hedge funds and the potential valuable diversification to an overall portfolio, and the ability to customize their portfolio of hedge funds to their individual needs and adjust such portfolio over time as seen fit in light of changing financial needs and market conditions. This invention gives a wide range of investors access to hedge funds, creating economic value using a new source of stable investor capital for hedge fund managers, a value shared with investors through reduced costs.

Abstract: A preferred embodiment of the subject invention comprises a system for implementing computer network services and applications, comprising a front-end component comprising one or more applications; a back-end component comprising one or more services; and an abstraction layer component operable to communicate with the front-end and back-end components. In another preferred embodiment, the subject invention comprises a system for linking applications and services, comprising: a vendor connectivity component; a business integration component; a security component; a utility component; and a back end connectivity component.

Abstract: A method for low latency data comprises receiving a data stream comprising data from a data source, receiving the data via one or more queues, where each of the one or more queues is associated with one or more filters adapted to filter the data based at least upon a time predicate to create filtered data. Each of the one or more filters is established by one or more subscribers. The method also comprises receiving a portion of the filtered data that was filtered by a filter established by a particular one or more subscribers, and publishing the portion of the filtered data for the particular one or more subscribers.

Abstract: A family of hedge funds, serving as “feeder funds” into underlying single-manager hedge funds, formed to provide smaller investors with the ability to allocate and reallocate assets among alternative strategies, and this basic structure combining interrelated systems and methods for offering, redeeming, exchanging, valuing, reporting and servicing the same is a new approach. The system and methods described herein provide investors having less than ultra-high net worth portfolios with access to hedge funds and the potential valuable diversification to an overall portfolio, and the ability to customize their portfolio of hedge funds to their individual needs and adjust such portfolio over time as seen fit in light of changing financial needs and market conditions. This invention gives a wide range of investors access to hedge funds, creating economic value using a new source of stable investor capital for hedge fund managers, a value shared with investors through reduced costs.

Abstract: A novel vehicle investment that greatly simplifies ownership and implementation of futures so that the pricing, trading, and risk management characteristics of futures investment are more broadly accessible by investors. Trading and account processing is implemented on a data processing platform that facilitates expanded access and use of risk management via futures contracts.

Abstract: Analyzing educational saving plans by considering the tax implications of these plans is provided by storing a plurality of educational institution identifiers and a plurality of educational savings plan parameter sets. Each of the educational institution identifiers is associated with a corresponding set of cost parameters specifying room, board, and tuition costs for the respective educational institution. Each of the educational savings plan parameter sets specifies a characteristic of a corresponding educational savings plan. A comparative analysis of educational savings plans is generated by applying a retrieved set of cost parameters for each educational plan parameter sets. This comparative analysis takes into consideration tax implications of an educational savings plan. The results of the comparative analysis are outputted on a display and/or printout so that an investor can determine which of the plurality of educational savings plans best meets their needs.

Abstract: A convertible financial instrument provides incentives to holders to keep the instruments outstanding so that issuers maintain flexibility and control over the maturity date of the instrument and the manner in which it is settled. The instrument may provide issuers with the ability to deduct an amount for tax purposes that approximates the true economic cost of the financial instrument. The instrument may contain a provision calling for contingent payments (which may include, for example, contingent interest, preferred distributions, contingent principal, dividends, and other pay-outs) to the holder in some circumstances, which may be based on formulae calculations. For example, this may occur when the trading value of the convertible instrument exceeds a pre-determined value such as, for example, a certain percentage of the accreted value of the convertible instrument, or, for example, another circumstance that may trigger a contingent payment may be when the price of another financial instrument (e.g.

Abstract: A system for capturing, analyzing, storing and reporting system-users' usage of Multiple internet and/or intranet web servers. At each web server in the system, the actions by the system-user create a server log that is processed by the system on a continuous basis. The processing at the server may include, by way of illustration, filtering the logs of about 75 percent of the data and decrypting a system-user's cookie. On a periodic basis, one or more collection servers in the system copy the processed log files from each web server on the system, zip the files, and transfer the files to an analysis server. After the collection is complete, an analysis server processes the data and stores it in a relational database that supports various user specified daily, monthly and quarterly reports of the usage data.

Abstract: Method and apparatus for enabling authentication of e-mail messages. A message code is embedded in an e-mail, where the message code can be used by the recipient to verify the authenticity of the e-mail. In some embodiments, this code can be created for a particular e-mail message; in other embodiments, the code is created as a watermark for use in all e-mail to a specific recipient. The message code is associated with both the e-mail message and the recipient. In the case of a message-specific code, a recipient can verify the e-mail message by inputting the code via a Web server to be looked up in the database. The invention can be implemented in a system including a server which creates e-mail messages and injects message codes and a database for storing codes and recipient e-mail addresses.

Abstract: An interactive advertising and public announcement system having storage and processing capabilities, as well as a display device, configured to store, process and/or display a media presentation. The media presentation proceeds according to a Playlist that may incorporate links to web-based content. The display device includes input devices allowing a user to interact with the media presentation and customer recognition devices for detecting the presence of and identifying the user. The system may also include video-conferencing capabilities, and the ability to detect, upload and respond to information obtained from and regarding the user. The system may also be linked and configured to retrieve and respond to user information collected from the user while the user interacts with the system, as well as user information previously-collected and stored in local or remote databases.

Abstract: A data card is reduced in size from the conventional standard size credit card. Accessibility of the card is enhanced because the card may be stored in a separate location from conventionally sized cards, such as on a key-chain or similar device. The card of the present invention has a means for storing information, such as a magnetic stripe or computer chip.