Patents Represented by Attorney Peter K. Trzyna, Esq.
  • Patent number: 8095592
    Abstract: Machine, method for use and method for making, and corresponding products produced thereby, as well as data structures, computer-readable media tangibly embodying program instructions, manufactures, and necessary intermediates of the foregoing, each pertaining to digital aspects of a computerized aggregation system. The system can include a user computer system interposed between a segment of a network allowing communication between the user computer system and at least one server system, and other segments allowing communication between the user computer system and a plurality of third party server systems. The one server system enables the user computer system to access the plurality of other servers. The access permits forming an aggregation of information obtained from the third party server systems.
    Type: Grant
    Filed: March 21, 2011
    Date of Patent: January 10, 2012
    Assignee: Confluence Commons, Inc.
    Inventors: Jared Polis, Payal Goyal, Jeffery D. Herman, Samuel C. Wu, Eric Wu, Michael D. McMahon, Michael C. Wilson, Andrew Hartman, Peter K. Trzyna, David L. Calone, Chris Young, Scott Shaver, Andrew Hyde
  • Patent number: 8095448
    Abstract: A method, machine, article for reducing accounting volatility.
    Type: Grant
    Filed: August 10, 2010
    Date of Patent: January 10, 2012
    Inventors: Wendy J. Engel, Wayne F. Perg
  • Patent number: 8090787
    Abstract: Machine, method for use and method for making, and corresponding products produced thereby, as well as data structures, computer-readable media tangibly embodying program instructions, manufactures, and necessary intermediates of the foregoing, each pertaining to digital aspects of a computerized aggregation system. The system can include a user computer system interposed between a segment of a network allowing communication between the user computer system and at least one server system, and other segments allowing communication between the user computer system and a plurality of third party server systems. The one server system enables the user computer system to access the plurality of other servers. The access permits forming an aggregation of information obtained from the third party server systems.
    Type: Grant
    Filed: March 21, 2011
    Date of Patent: January 3, 2012
    Assignee: Confluence Commons, Inc.
    Inventors: Jared Polis, Payal Goyal, Jeffery D. Herman, Samuel C. Wu, Eric Wu, Michael D. McMahon, Michael C. Wilson, Andrew Hartman, Peter K. Trzyna, David L. Calone, Chris Young, Scott Shaver, Andrew Hyde
  • Patent number: 8082692
    Abstract: An improvement in a method of propagating, and an article useful in association with, or produced by, the method of propagating. Plants are produced in mats by steps including: providing a bottom net made of a material that is pervious to moisture, positioning a sheet of a fabric, depositing a layer of planting medium on said fabric, spreading viable wildflower seed over said medium, moistening said medium and said seeds, germinating seeds in the medium, such that roots of seedlings from said seeds intermesh with the fabric forming a sod mat; wherein the bottom net is sufficiently pervious to permit essentially unimpeded root contact with earth below the bottom net.
    Type: Grant
    Filed: December 8, 2003
    Date of Patent: December 27, 2011
    Inventor: Jerome Skuba
  • Patent number: 8073750
    Abstract: Machine and related manufacturer controlling multi-jurisdictional investment; a computer system arranged to receive information and locate said information into a memory, the information including investment specifications and pricing data for the financial product, the computer system further including: an input device for receiving the information and converting the information into signals; a program control to compute, from said signals, for calculating respective valuations of parts of investment in respective jurisdictions and a program control to trigger printing documentation, including said valuations, to carry out the implementation of the parts in the respective jurisdictions. In variations thereof, such as optimizing, separating, valuation, and execution are supported.
    Type: Grant
    Filed: May 4, 2004
    Date of Patent: December 6, 2011
    Assignee: Mann Conroy Eisenberg & Associates
    Inventors: Crispina O. Caballero, Thomas F. Conroy, Steven A. Eisenberg, Brian G. Holland, Stephen F. Kraysler, Richard W. Mann
  • Patent number: 8036982
    Abstract: Apparatus (method implemented with a machine, the machine, and the method for making the machine, and products produced thereby) for controlling a system of managing cash flows for a transaction, the apparatus including: data processing means arranged for receiving information into memory, said information including respective descriptions of risks, statistical assumptions for said risks, and financial assumptions for said risks, the data processing means further including: calculating means, responsive to said descriptions and said assumptions, for calculating expected cash flows corresponding to said risks for time periods; accounting means for determining, responsive to actual cash flow information from occurrence of events corresponding to said risks, for a first party to the transaction owing the expected cash flows to a second party to the transaction, and for determining, for the second party owing the actual cash flows to the first party, a net settlement, for each of said time periods, between the pa
    Type: Grant
    Filed: June 28, 2010
    Date of Patent: October 11, 2011
    Assignee: Mann Conroy Eisenberg & Associates, LLC
    Inventors: Crispina O. Caballero, Thomas F. Conroy, Steven A. Eisenberg, Brian G. Holland, Stephen F. Kraysler, Richard W. Mann
  • Patent number: 8015286
    Abstract: A method of enabling a server to contact an unknown Internet account holder can begin with the server receiving a request for a resource. The server then determines whether the request for the resource warrants sending a notice, and if so, identifies a notice destination to which the notice is to be sent. The server then generates a notice comprising an apparent IP address, a time the server received the request, and a communication; and sends the notice to the notice destination via a standardized communications pathway. An ISP can receive a notice from the server via the standardized communication pathway, and based thereon can identify the account holder based the requesting IP and optionally the request time. The ISP can then send the account holder the communication by an arranged manner despite the server not having known the identity of the account holder.
    Type: Grant
    Filed: January 10, 2008
    Date of Patent: September 6, 2011
    Inventor: Gerald L. Jenkins
  • Patent number: 7983924
    Abstract: Apparatus (method implemented with a machine, the machine, and the method for making the machine, and products produced thereby). The computer system can, for example, be structured (e.g., including programmed) to carry a method including: controlling, with at least one application computer program, a server system to create, and to maintain, multiple sites on a wide area network, each said site providing electronic greeting cards, each said site corresponding to an independent party.
    Type: Grant
    Filed: July 10, 2006
    Date of Patent: July 19, 2011
    Inventor: Edward K. Garrison
  • Patent number: 7908202
    Abstract: An electronic system, the system for selling fixed income instruments, the system including a second computer having an output device and at least one buyer's computer having an electrically coupled input device and a monitor, the buyer's computer and the second computer being respectively located, the computers being used in cooperation in a multiple computer system in electronically communicating data between the computers.
    Type: Grant
    Filed: November 14, 2006
    Date of Patent: March 15, 2011
    Assignee: Graff/Ross Holdings, LLP
    Inventor: Richard A. Graff
  • Patent number: 7908647
    Abstract: Machine, method for use and method for making, and corresponding products produced thereby, as well as data structures, computer-readable media tangibly embodying program instructions, manufactures, and necessary intermediates of the foregoing, each pertaining to digital aspects of a computerized aggregation system. The system can include a user computer system interposed between a segment of a network allowing communication between the user computer system and at least one server system, and other segments allowing communication between the user computer system and a plurality of third party server systems. The one server system enables the user computer system to access the plurality of other servers. The access permits forming an aggregation of information obtained from the third party server systems.
    Type: Grant
    Filed: August 19, 2008
    Date of Patent: March 15, 2011
    Assignee: Confluence Commons, Inc.
    Inventors: Jared Polis, Payal Goyal, Jeffery D Herman, Samuel C Wu, Eric Wu, Michael C Wilson, Chris Young
  • Patent number: 7886000
    Abstract: Machine, method for use and method for making, and corresponding products produced thereby, as well as data structures, computer-readable media tangibly embodying program instructions, manufactures, and necessary intermediates of the foregoing, each pertaining to digital aspects of a computerized aggregation system. The system can include a user computer system interposed between a segment of a network allowing communication between the user computer system and at least one server system, and other segments allowing communication between the user computer system and a plurality of third party server systems. The one server system enables the user computer system to access the plurality of other servers. The access permits forming an aggregation of information obtained from the third party server systems.
    Type: Grant
    Filed: February 24, 2010
    Date of Patent: February 8, 2011
    Assignee: Confluence Commons, Inc.
    Inventors: Jared Polis, Payal Goyal, Jeffery D. Herman, Samuel C. Wu, Eric Wu, Michael D. McMahon, Michael C. Wilson, Andrew Hartman, Peter K. Trzyna, David L. Calone, Chris Young, Scott Shaver, Andrew Hyde
  • Patent number: 7882022
    Abstract: A computer-aided method for carrying out an option on a loan, for example a residential mortgage loan, the method including the steps of: receiving information into a memory, the specifications defining the option on the loan, the specifications including a trigger for executing the option, the specifications such as an interest rate; evaluating the trigger with a computer accessing further data; and if the trigger is detected, signaling execution of the option. The option can be, for example, an interest rate floor, ceiling, or both. Computer cooperation can facilitates closing of the loan and downstream processing, if so desired.
    Type: Grant
    Filed: June 13, 2004
    Date of Patent: February 1, 2011
    Inventor: Greg H. Crocker
  • Patent number: 7865416
    Abstract: Illustratively, there can be a securitization system that is comprised of a computer or computers using a network, and a process, for the conversion of assets into marketable securities. In one embodiment, the securitization system includes a distribution system to distribute at least some of the marketable securities generated by the securitization system to one or more buyers. The process may utilize a new definition of securitization that expands the universe of securitizable assets, the universe of asset securitization methodologies, and the universe of securities that can be designed and generated thereby.
    Type: Grant
    Filed: July 6, 2007
    Date of Patent: January 4, 2011
    Assignee: Ross/Graff Holdings LLC
    Inventors: Richard A. Graff, James M. McKevitt
  • Patent number: 7860785
    Abstract: A machine, computer-readable media, and method using a communications system to automatically refer an inbound communication. The communications system includes a computer and a call-routing database in a memory operably associated with the computer.
    Type: Grant
    Filed: July 19, 2007
    Date of Patent: December 28, 2010
    Inventors: William John Delinsky, Timothy James Fish, Michael Dennis Morency, David Gary Walker
  • Patent number: 7827097
    Abstract: A system for referring a telephone communication to one of a plurality of financial assistance providers based on lender criteria, the method including the steps of: storing telephone numbers for a plurality of financial assistance providers in memory accessible by a digital electrical computer; obtaining lender criteria for selecting one of the financial assistance providers; storing said criteria for access by said computer; identifying a debtor; selecting one of the financial assistance providers by accessing the criteria, applying the criteria, and accessing one of the stored telephone numbers; and connecting the debtor by telephone to the one of the stored telephone numbers.
    Type: Grant
    Filed: October 19, 2000
    Date of Patent: November 2, 2010
    Inventors: William John Delinsky, Timothy James Fish, Michael Dennis Morency, David Gary Walker
  • Patent number: 7792729
    Abstract: Machine and related manufacturer controlling multi-jurisdictional investment; a computer system arranged to receive information and locate said information into a memory, the information including investment specifications and pricing data for the financial product, the computer system further including: an input device for receiving the information and converting the information into signals; a program control to compute, from said signals, for calculating respective valuations of parts of investment in respective jurisdictions and a program control to trigger printing documentation, including said valuations, to carry out the implementation of the parts in the respective jurisdictions. In variations thereof, such as optimizing, separating, valuation, and execution are supported.
    Type: Grant
    Filed: May 5, 2004
    Date of Patent: September 7, 2010
    Assignee: Mann, Conroy, Eisenberg & Associates
    Inventors: Crispina O. Caballero, Thomas F. Conroy, Steven A. Eisenberg, Brian G. Holland, Stephen F. Kraysler, Richard W. Mann
  • Patent number: 7774256
    Abstract: A system computing performance statistics for an investment fund or similar investment vehicle, computing a minimum investment performance corridor guarantee provided by an underwriter, and computing the amount of reimbursement due, if any, from an underwriter if the investment is liquidated at a point in time. Also, the system accepts hypothetical data with respect to investment performance and underwriter terms. The system then illustrates underwriter risk exposure and potential investor reimbursements under different fact combinations.
    Type: Grant
    Filed: February 27, 2003
    Date of Patent: August 10, 2010
    Inventors: Raymond B Ryan, Wendy J. Engel
  • Patent number: 7761371
    Abstract: A method of analyzing a credit counseling agency, the method including: automatically capturing, with a computer system, respective call data for each of a plurality of telephone calls with a credit counseling agency, each said call with a respective debtor associated by the computer system with a respective creditor; and processing, with the computer system, the automatically captured respective call data to produce a report which analyzes the credit counseling agency.
    Type: Grant
    Filed: July 19, 2007
    Date of Patent: July 20, 2010
    Inventors: William John Delinsky, Timothy James Fish, Michael Dennis Morency, David Gary Walker
  • Patent number: 7752105
    Abstract: A method using a computer system, and a computer system, computing tiered constant dollar instruments to finance a transaction. The method can include associating, with a computer system using input data, a first tier of one or more constant dollar financial instruments that do not finance a transaction and a second tier of one or more constant dollar financial instruments financed by the first tier that do finance the transaction, in producing output to implement the transaction.
    Type: Grant
    Filed: March 7, 2005
    Date of Patent: July 6, 2010
    Assignee: New Market Solutions, LLC
    Inventors: Wayne F. Perg, T. Brian Gidley, Anthony F. Herbst, Hope Farr
  • Patent number: 7747518
    Abstract: Apparatus (method implemented with a machine, the machine, and the method for making the machine, and products produced thereby) for controlling a system of managing cash flows for a transaction, the apparatus including: data processing means arranged for receiving information into memory, said information including respective descriptions of risks, statistical assumptions for said risks, and financial assumptions for said risks, the data processing means further including: calculating means, responsive to said descriptions and said assumptions, for calculating expected cash flows corresponding to said risks for time periods; accounting means for determining, responsive to actual cash flow information from occurrence of events corresponding to said risks, for a first party to the transaction owing the expected cash flows to a second party to the transaction, and for determining, for the second party owing the actual cash flows to the first party, a net settlement, for each of said time periods, between the pa
    Type: Grant
    Filed: October 1, 2004
    Date of Patent: June 29, 2010
    Assignee: Mann Conroy Eisenberg & Associates
    Inventors: Crispina O. Caballero, Thomas F. Conroy, Steven A. Eisenberg, Brian G. Holland, Stephen F. Kraysler, Richard W. Mann