Abstract: A line of credit with pre-agreed line increases is described. In example embodiments, the line of credit is secured by a residence, and the borrower can agree at initial closing to periodic line increases, so that additional closings and re-recording are not necessary. Modeling can be used by the financial institution to determine if and when to offer increases in the LOC. An automated servicing routine is then used to produce a recommendation with respect to increasing the LOC loan amount. This automated servicing routine includes at least one model to produce the recommendation. The line of credit can be increased if and when recommended by the servicing platform.

Abstract: An automated contiguous space identification feature for businesses is provided. Embodiments of the present invention provide a method and system of converting the value assigned to a work space in a coordinate system from an absolute position value to a unique relative position value. Such conversion enables identification of contiguous work spaces present within a defined area. An embodiment can be implemented via a stand-alone computing system or such a system interconnected with other platforms or data stores by a network, such as a corporate intranet, a local area network, or the Internet.

Abstract: In general, embodiments of the invention relate to systems, methods, and computer program products for producing a financial offer that is specific to a customer and storing the electronic acceptance and authentication of the acceptance in a digital medium. More particularly, embodiments of the invention relate to identifying a customer, providing a financial offer that is specific to that customer, and electronically storing both the authentication of the identity of the customer and the accompanying acceptance of the financial offer.

Abstract: Embodiments of the present invention provide a method, system, computer program product, or a combination of the foregoing for creating a knowledge management system including an academy system for training and tracking training results of employees in a standardized and centralized location across the channels and sub-channels in an organization. The academy system stores a plurality of training modules, associated with one or more certification programs. The academy system further provides a user training selection interface configured to provide for user selection of one or more of the plurality of training modules. The academy system further provides the user access to the selected training module through an interactive display module interface. The academy system further provides for a user training results interface configured to provide a display of the user training results and stores the user training results of the selected training module in a user training database.

Abstract: Loan requests may be automatically processed for approval and fulfillment by a distributed processing system. The processing system receives loan requests and determines whether the loan should be approved and, if needed, request supplemental loan information from vendor systems. The processing system may further perform due diligence, generate closing documents and board loans. Exceptions may be detected and handled manually if necessary; once work on exceptions are complete, the remainder of loan processing may be completed automatically. In some configurations, a loan request or tasks thereof may be transferred from a processing system at a first processing center to a second processing center to continue processing in response to a predefined event. The first and second processing centers may be located in different time zones. Additionally, the processing system may provide a simulation environment for evaluating process models prior to implementation in a live processing environment.

Abstract: Embodiments of the present invention include a method, system, computer program product, or a combination of the foregoing for creating a knowledge management system with an incident communication interface for production support incidents that is standardized and centralized across the channels and sub-channels in an organization. The incident communication interface system is used to track, identify, and resolve the incidents that occur throughout the organization. The incident communication interface allows business associates to initiate an incident ticket associated with an incident. The incident communication interface also communicates information related to an incident to business associates. The incident communication interface provides the business associates knowledge management system access. The incident communication interface receives user input including details related to resolving the incident and the incident details are stored in the incident report database.

Abstract: Embodiments of the invention provide systems, methods, and computer program products for an online safety deposit box inventory management system. A customer may securely log into the customer's bank accounts and add or delete safety deposit boxes to a list of safety deposit boxes that the customer owns. The customer may select a box to view and add or delete items that the customer has in the selected box. The customer may also edit the description, type, date, etc. of items that the customer already has listed in the box. In keeping a list of the items that the customer has in each safety deposit box the customer may keep an up-to-date record of the contents of each box for the customer's estate in case the customer passes away or simply in order to have a back up copy in case something happens to a paper copy.

Abstract: Visual cues for identifying financial accounts. A distinctive visual cue, such as a specific color, is applied to an account from among a plurality of accounts, such as associated joint and individual checking accounts. The designation can be applied to statements, and optionally also checks, check/ATM cards, and other materials can be identified at a glance. Additionally confidential flag can be applied to an account as part of the designation, to provide extra notice to both personnel and various systems that an individual account is confidential within the associated accounts. A system for assigning distinctive visual cues to accounts can include a customer or account information database for storing plurality of possible distinctive visual cues, and one or more fulfillment subsystems for providing bank statements, checks, deposit slips, check cards, and the like.

Abstract: Time implementation feature for video games. The time feature employs a synchronic construct of time for use in a computer software program, including a video game. The synchronic construct of time comprises assigning to each action in the game a specific number of synchronic timekeeping units. The number of synchronic timekeeping units assigned to an action may approximate how long the action might take in real time and/or may be used to weight the importance of the action. The invention can be implemented via a stand-alone computing system or such a system interconnected with other platforms or data stores by a network, such as a corporate intranet, a local area network, or the Internet.

Abstract: A system and method for controlling a monetary account with one or more sub-accounts is described. A monetary account with an entity is established and an account user associated with the monetary account is identified. A sub-account with the entity is established, where the sub-account is associated with the monetary account and includes monetary funds transferred from the monetary account. At least one sub-account user associated with the sub-account is identified, where the at least one sub-account user is different from the account user. One or more controls, placed by the account user, are established on at least one of the sub-account and the at least one sub-account user. The at least one sub-account user is restricted from accessing monetary funds in the monetary account and the account user is permitted to access the sub-account.

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for improved electronic discovery. Embodiments herein disclosed provide for an enterprise wide electronic management server that provides for data to be identified, located, retrieved, preserved, searched, reviewed and produced in an efficient and cost-effective manner across the entire enterprise system. In addition, by structuring management of e-discovery based on case/matter, custodian and data and providing for linkage between the same, further efficiencies are realized in terms of identifying, locating and retrieving data and leveraging results of previous e-discoveries with current requests.

Abstract: System and method for facilitating the implementation of changes to the configuration of resources in an enterprise. Embodiments of the present invention facilitate the use of historical information about an enterprise's IT configuration to evaluate the risk and impact of proposed changes. Risk can be evaluated using a success history for an organization within the enterprise that is responsible for the proposed change, or by applying a neural network to the historical data to detect recognizable patterns in the historical data. A risk evaluation can take into account sensitivity of the change to dates assigned on a change calendar, based on sensitivity dates gathered from the historical data. Historical data can be maintained and provided by a configuration database.

Abstract: A method for debt protection or cancellation may include providing an addendum for a debt protection or cancellation product for inclusion in a debt instrument. The method may also include serving the debt protection and cancellation product in response to a borrower purchasing the debt protection and cancellation product.

Abstract: A method, system, computer program product, and apparatus, or a combination of the foregoing for remotely connecting to an Intelligent Cash Recycler. A user connects to any Intelligent Cash Recycler tied into the system in order to remotely access, monitor, communicate, update, trouble-shoot, perform maintenance on, and settle accounts of the remotely located Intelligent Cash Recyclers. Incident reports are created in real-time to indicate when there is an issue with a particular Intelligent Cash Recycler. The system routes the incident reports to the appropriate groups, so that the groups may address the incident reports and resolve the problem. Specifically, a group may, for example, resolve some incidents by making changes to the remotely located cash recycler configuration settings, pushing new files to the recycler, or updating the software or firmware associated with the remotely located cash recycler.

Abstract: A metal truss comprises elongated top chord members connected to each other at their ends. A first elongated bottom chord member is connected at its ends to the top chord members adjacent the free ends of the top chord members. A second elongated bottom chord member is connected at its ends to the top chord members, or directly to the first bottom chord member via spacers, such that the second bottom chord member is spaced below the first bottom chord member. At least one web member is positioned between and interconnecting at least one top chord member and the first bottom chord member. One end of the web member is connected to the at least one top chord member and the other end of the web member is connected to the first bottom chord member.

Abstract: A method for when preheating a ladle for use in steelmaking where less fuel is consumed in heating the ladle efficiently accurately to a controlled temperature. A temperature of a preheating process is varied by controlling a burner of the heating unit based on measurements of refractories of the ladle taken by a pyrometer. The heating unit includes an emissive coating for reducing heat loss and efficient heating during the preheating process. The heating unit also includes valve mechanisms for accurately varying a flame size of the burner of the heating unit during an idle stage of the preheating process.

Abstract: A rigging table and methods and systems for assembling trusses using a rigging table. An embodiment of a rigging table includes a base having a generally longitudinal axis and a generally lateral extent, and at least two bunk assemblies movable along the base in at least the generally longitudinal axis such that each bunk assembly is capable of being positioned on the base relative to another bunk assembly. Each bunk assembly may include a frame extending along the lateral extent of the base, a pair of guides slideably positioned on the frame to move generally transverse to the longitudinal axis of the base toward and away from each other and able to be fastened in position on the frame, and a pair of automated clamp members each positioned relative to and movable with one of the guides on the frame, to accommodate assembly of different sized trusses.

Abstract: A coating apparatus and method of using for use in dip coating an article may have a container with opposing sides and a volume capable of holding a liquid coating material and at least one article to be coated by the material, and a stepped apron adjacent at least one of the opposing sides of the container, the stepped apron capable of holding the liquid coating material to a depth sufficient to maintain the material in the liquid state and receiving the liquid coating material dripping from at least one coated article positioned above the stepped apron; and at least one support member above the container capable of holding at least one article to be coated by dipping in the container. The apparatus may include localized heating of the article, such as by spot welding, and air cooling of the article using a cooling system having at least one fan and a conveyor before the article is dipped in the container containing the liquid coating material and subsequently dried.

Abstract: Embodiments of the present invention are directed to methods, systems and computer program products for identifying fraudulent transactions. In general, transaction information is inputted into the system and an address is received from such information. A database is then queried to determine if the address already exists in the database. A determination is made whether or not the transaction is suspicious in response to the address existing in the database entry. Alternatively, in response to the address not existing in the database entry, a determination is made as to whether or not the transaction is suspicious based on a geocode. A geocode is a geographic location or coordinates of an address.

Abstract: Systems are provided for use in balcony structures. The system includes a joist comprising an upper chord and a lower chord separated by a web. One end of the joist is supported by a supporting member and a cantilevered balcony extends generally perpendicularly from the supporting member. The cantilevered balcony comprises a cementitious balcony slab extending from a cementitious floor slab. The cementitious floor slab includes a backspan region extending from the top of the supporting member opposite the cementitious balcony slab. A portion of the joist in the backspan region comprises a decking supporting member coupled to the web between the upper chord and the lower chord. The joist in the backspan region supports decking using the decking supporting member; however, the joist beyond the backspan region supports decking above the upper chord. In this way, the cementitious floor slab in the backspan region is thicker than the cementitious floor slab beyond the backspan region.