Abstract: Transaction information is received and applied to multiple fraud risk mathematical models that each produce a respective raw score, which are transformed with respective sigmoidal transform functions to produce optimized likelihood of fraud risk estimates to provide to a merchant. Respective fraud risk estimates are combined using fusion proportions associated with the respective risk estimates, producing a single point risk estimate, which is transformed with a sigmoidal function to produce an optimized single point risk estimate. The sigmoidal functions approximate a relationship between risk estimates produced by fraud risk detection models and a percentage of transactions associated with respective risk estimates; the relationship is represented in terms of real-world distributions of fraudulent and non-fraudulent transaction.

Abstract: A system and method of generating and trading a CO2 commodity that is correlated to a quantified amount of CO2 sequestered in a CO2 sequestering product comprising a carbonate and/or a bicarbonate. The tradable commodity can be purchased or sold for use in managing CO2 emissions.

Abstract: A method of incentivising members of a disease management program to comply with the program by splitting the program into general program areas and specific program areas. The general program areas are relevant to all of the diseases with which members of the program are stricken while the specific program areas are only relevant to some disease managed by the program. Members of the program are awarded points for taking part in and achieving certain levels within all of the general program areas and within the specific program areas associated with the disease with which they are stricken. The points are accumulated and members are rewarded if their points reach a predetermined level. Furthermore, bonus points are awarded to the members for achieving certain levels in all of the program areas associated with their disease.

Abstract: A method for managing employee benefits in real-time includes receiving, from an employer, requirements for benefits; transmitting the requirements to one or more benefits providers; receiving bids from the one or more benefits providers to satisfy the requirements for benefits; receiving, from the employer, an authorization to enroll benefits of a selected benefits provider from the one or more benefits providers; and transmitting the authorization to the selected benefits provider.

Abstract: Systems and methods for performing fraud detection. As an example, a system and method can be configured to contain a raw data repository for storing raw data related to financial transactions. A data store contains rules to indicate how many generations or to indicate a time period within which data items are to be stored in the raw data repository. Data items stored in the raw data repository are then accessed by a predictive model in order to perform fraud detection.

Abstract: Computer-implemented systems and methods for providing warranty analysis. A system and method can be configured to receive claims data and products data and to perform statistical analysis of the received claims data and products data. The statistical analysis includes performing a statistical comparison of current claims activity levels in the received claims data with expected claims activity levels. One or more claim issues are detected based upon the statistical analysis. The detected one or more claim issues are provided to a user.

Abstract: The present invention provides a system and method for providing a flexible limit subsidiary account that may be issued by a Foreign Financial Institution. In particular, the present provides a system and method for allowing a parent to provide funds to a subsidiary and to control the spending of subsidiary or spending capacity. The card account may be issued at the request of the parent who may retain the ability to define, modify, and/or terminate the spending and/or debt accumulation limits for the subsidiary card account as well as other features as described in the attached disclosure. The system may be configured to provide the ability for parent to eliminate risks associated with fluctuations in currency exchange rates by committing to fixed automatic long-term charges at a fixed foreign exchange rate for a fixed term.

Abstract: Methods and systems are provided for estimating liability in an accident. In one embodiment, liability estimation in a vehicle accident may be based on a plurality of characteristics that describe the accident. These characteristics may include: the configuration of the roadway, the type of accident, right of way, and impact points of each vehicle. The characteristics from an actual accident may be compared to those in a past or theoretical accident. Liability may be estimated from a preassigned liability associated with a nearest matching past or theoretical accident. The liability estimate may include a base liability and one or more adjustments due to various factors.

Abstract: Methods and systems provide power to a mobile recipient and allow the recipient to pay for the power obtained by having it charged to an account other than the account for the location at which the power is provided.

Abstract: According to one aspect, transaction information is received and applied to multiple fraud risk mathematical models that each produce a respective raw score, which are transformed with respective sigmoidal transform functions to produce optimized likelihood of fraud risk estimates to provide to a merchant. In one embodiment, the respective fraud risk estimates are combined using fusion proportions that are associated with the respective risk estimates, producing a single point risk estimate, which is transformed with a sigmoidal function to produce an optimized single point risk estimate for the transaction. The sigmoidal functions are derived to approximate a relationship between risk estimates produced by fraud risk detection models and a percentage of transactions associated with respective risk estimates, where the relationship is represented in terms of real-world distributions of fraudulent transaction and non-fraudulent transaction.

Abstract: A central station is provided to which the pharmacy can forward calls at the convenience of the pharmacy. A caller will call in to the pharmacy to request a refill and the call will be automatically routed to the central facility unbeknownst to the caller. The central station will obtain the refill information required, preferably by means of an automated computer system as is known in the art. This information can then be transferred to the pharmacist in a number of ways, such as by periodically faxing the information to the pharmacy. Voice messages could be flagged and the pharmacist would have to call into the central facility to obtain the voice mail message. Alternatively, a PC could be installed in the pharmacy having a reduced version of a complete, stand-alone program. The refill information can then be sent to the pharmacy by modem and the pharmacist could see a computer display of the refill orders and could hear voice messages. Alternatively, the information could be e-mailed to the pharmacy.

Abstract: A method and apparatus for monitoring credit reports using a computing system implemented financial management system includes a process for monitoring credit reports whereby data representing various credit accounts is obtained and categorized by a computing system implemented financial management system. This computing system implemented financial management system data is then stored. A credit report is then obtained and credit report data representing the various credit account information contained in the credit report is obtained and stored. Then, the computing system implemented financial management system data and credit report data are compared and any discrepancies between the two credit data sources is brought to the attention of the user and/or included in a credit discrepancy report which is then provided to the user.

Abstract: Methods and systems are provided for assigning liability estimates to past or theoretical accidents. Embodiments may be used in association with methods and systems for estimating liability in a vehicle accident. In one embodiment, liability estimation in a vehicle accident may be based on a plurality of characteristics that describe the accident. The characteristics from an actual accident may be compared to those in a past or theoretical accident. Liability may be estimated from the assigned liability associated with a nearest matching past or theoretical accident.

Abstract: Methods and systems are provided for estimating liability in an accident. In one embodiment, liability estimation in a vehicle accident may be based on a plurality of characteristics that describe the accident. These characteristics may include: the configuration of the roadway, the type of accident, right of way, and impact points of each vehicle. In an embodiment, impact points may be grouped into impact groups. A base liability may be assigned to each impact group. The characteristics from an actual accident may be compared to those in a past or theoretical accident. Liability may be estimated from a preassigned liability associated with a nearest matching past or theoretical accident. The liability estimate may include a base liability and one or more adjustments due to various factors.

Abstract: Methods and systems are provided for estimating right of way in an accident. In one embodiment, right of way estimation in a vehicle accident may be based on a plurality of characteristics that describe the accident. The characteristics from an actual accident may be compared to those in a past or theoretical accident.

Abstract: Methods and systems are provided for determining inconsistencies between two or more sets of characteristics relating to an accident. In an embodiment, sets of characteristics relating to an accident may be used to determine liability in the accident. The at least one of the sets of characteristics may be determined from witness statements. The at least one set of characteristics determined from witness statements may be compare to other sets of characteristics determined from witness statements or to other sets of characteristics determined in other ways. The comparison may determine if there are inconsistencies in the sets of characteristics.

Abstract: A method and apparatus are provided for processing a message from a patient for one of a plurality of physicians through a web site. The method includes the steps of providing one or more web pages to the patient from the web site containing indicia of identity for each physician of the plurality of physicians and detecting selection by the patient of a physician of the plurality of physicians. The method further includes the steps of determining an information content of the message and routing the message based upon the determined information content and a predetermined routing criteria provided by the selected physician.

Abstract: An episode classification system including a multitude of diagnosis records. Each of the diagnosis records includes diagnoses information, time of diagnoses information, and patient information. A patient grouper generates at least one patient group by grouping patient records having similar patient information. A diagnosis grouper generates at least one diagnosis group from a patient group by grouping patient records from a patient group that have similar diagnosis information. An episode analyzer includes a probability analyzer, an episode grouper, and a severity analyzer. The probability analyzer performs probability calculations capable of generating a probability value using at least two of the diagnosis records as input entries. The probability value represents the probability that the input entries belong to a single episode. The episode grouper groups diagnosis records determined to belong to a single episode.

Abstract: A method and system for enabling a service provider to file insurance claims electronically directly with the payer rather than through a clearinghouse. The system has two components interacting with an existing practice management system of a service provider and with online claim filing systems of insurance payers. The first is a software application installed on the service provider's computer to seek out billing information and create files suitable for filing of formatted claims with the payer's web sites. The second component is a web portal that interacts with both the first component and the payers' web sites to keep the former with formatting requirements and to facilitate filing of the claims electronically. The system uses a software “cookie” to convey instructions to the first component so that it can automatically connect to the appropriate page of each payer's web site.

Abstract: Secure methods of distributing and prescribing prescription medications and related systems significantly increase prescription medication distribution security. Applications of the present invention are particularly useful in prescribing and distributing lifestyle drugs where an actual physical examination is not necessarily required, but are similarly useful for all prescription medications. A system configured according to a particular embodiment of the present invention involves a prescription request kiosk, a prescription request review terminal, a medical information database, and a pharmacy all associated with a prescription distribution system processor. Particular embodiments of prescriptions of the present invention include a photograph of a prescription requestor on the prescription for added security along with additional follow-up questions to be asked by the pharmacist to the customer.