Abstract: A method for determining a premium for insuring a security comprising the steps of determining an insurance risk premium based upon a security to be insured, determining an expense and profit load, and combining the insurance risk premium and the expense and profit load to determine a total gross premium. A system for determining a premium for insuring a security comprises a computer system capable of having entered information related to a security to be insured, the computer system having a program for calculating an insurance risk premium based upon a security to be insured, for calculating an expense and profit load, and for combining the insurance risk premium and the expense and profit load to determine a total gross premium.

Abstract: Methods, systems and apparatus, including computer program products, for generating cookies. Multiple advertisements for multiple advertisers are stored on an ad server. Hostnames specific to each of the multiple advertisers are generated dynamically. The generated hostnames identify the ad server. A reference is generated identifying a particular advertisement of the multiple advertisements and the ad server. The ad server is identified in the reference with the generated hostname associated with the advertiser of the advertisement. The reference is provided to a client. A request is received from the client for the advertisement. The request includes the generated hostname. In response to the request, a client cookie, which includes a unique identifier, is sent to the client.

Abstract: Methods, systems and apparatus, including computer program products, for generating cookies. Multiple advertisements for multiple advertisers are stored on an ad server. Hostnames specific to each of the multiple advertisers are generated dynamically. The generated hostnames identify the ad server. A reference is generated identifying a particular advertisement of the multiple advertisements and the ad server. The ad server is identified in the reference with the generated hostname associated with the advertiser of the advertisement. The reference is provided to a client. A request is received from the client for the advertisement. The request includes the generated hostname. In response to the request, a client cookie, which includes a unique identifier, is sent to the client.

Abstract: A retirement fund program managed by computer software requiring an initial fixed investment and producing an ever increasing revenue stream to a group of participant investors organized by life expectancy and grouped into an investment partnership. A financial portfolio is created from the monies invested by each investor and is used to manage high quality securities to generate income for the partnership. Periodically, the surviving members of the partnership are entitled to receive the revenue generated from the portfolio, which statistically will increase as fewer participant investors survive. The partnership can purchase term life insurance on each participant investor, so that the initial investment can be returned to the estate of a participant investor if the participant investor becomes deceased during the program. Upon termination of the program, all remaining assets will be distributed pro rata among the living participant investors of the investment partnership.

Abstract: An Interchange Party Computer System (“IPCS”) comprising: a plurality of units of allocated resources, configured for a lender party, broker party, transaction party and/or investor party, each unit of allocated resources including one or more administrator user interfaces that allow a participating party to manage its allocated resources and define which of its users and which other participating parties may access its allocated resources and use elements thereof, wherein at least one of the allocated resources include database allocated resources that are managed by the participating party assigned the resources, the allocated resources for the database being accessible and usable by a participating party on terms defined by the participating party responsible for managing the database allocated resources wherein at least one of the allocated resources include at one or more modules selected from the group of: a Rate and Loan Program Module that includes means to define loan programs or search defined loan

Abstract: A method for detecting click fraud. In one embodiment, the method includes the steps of: directing a user to an item but delaying the internal ratings update of the item; collecting data to build a model of the user; building the model of the user in response to the collected data; determining the trustworthiness of the user in response to the model of the user; and updating internal ratings of the item in response to the trustworthiness of the user. In various embodiments, the click fraud can be the inflation of advertisement clicks, the inflation of popularity or the inflation of reputation.

Abstract: A system and method are provided for displaying information related to a plurality of tradeable objects using a single graphical interface. One example graphical interface includes at least two screen regions displayed in relation to each other, with each region including a plurality of locations. Each location in the first screen region corresponds to a value along a first value axis, and each location in the second screen region corresponds to a value along a second value axis. The graphical interface also includes a first indicator in the first region and a second indicator in the second region. In response to a repositioning command based on an algorithm, the graphical interface includes a repositioned first value axis and the second value axis, such that the indicators are displayed in new locations determined based on the algorithm.

Abstract: Presented is a system and method for performing crossing of institutional security orders. The system includes a first server interconnected to a second server that provides an away market for order execution, and includes client stations across a communication network. The first server includes a database and is configured to receive institutional orders from the client station, which are stored in the database. The first server includes operating instructions operable to determine whether a match exists between contra institutional orders based on predetermined criteria. Upon determination of a match, the first server forwards a child order composed of at least a portion of one of the contra orders to the second server. A plurality of participants in the away market have an opportunity to execute a transaction with the child order leading to price improvement on one side of the trade.

Abstract: Systems and methods are provided for trading and calculating the composition of foreign currencies indexed financial instruments. The compositions of the financial instruments are determined by calculating a geometric average of the exchange rates of foreign currencies with corresponding competitive weights. The competitive weights for each of the foreign currencies reflects competition between the goods of the United States and a country corresponding to the foreign currency in the markets of third countries.

Abstract: Provided are methods, systems, and apparatuses for determining driver behavior based on vehicle operating parameters, adjusting insurance premiums accordingly, and preventing fraudulent manipulation of the methods, systems, and apparatuses.

Abstract: An Interchange Party Computer System (“IPCS”) comprising: a plurality of units of allocated resources, configured for a lender party, broker party, transaction party and/or investor party, each unit of allocated resources including one or more administrator user interfaces that allow a participating party to manage its allocated resources and define which of its users and which other participating parties may access its allocated resources and use elements thereof, wherein at least one of the allocated resources include database allocated resources that are managed by the participating party assigned the resources, the allocated resources for the database being accessible and usable by a participating party on terms defined by the participating party responsible for managing the database allocated resources wherein at least one of the allocated resources include at one or more modules selected from the group of: a Rate and Loan Program Module that includes means to define loan programs or search defined loan

Abstract: Disclosed is a method for electronic examination of medical fees, and more particularly to a method for electronic examination of medical fees using a system for electronic examination of medical fees. The system includes a transmit/receive server, a bill examination server, a management terminal and examiner terminals, and communicates with each medical institution server and a national health insurance corporation server. The bill examination server checks any error in medical bills and specifications received from each medical institution server through description inspection, automatic inspection, specialist inspection and computational examination. The bill examination server returns, corrects or adjusts any erroneous bill or specification, or inserts a message into the erroneous bill or specification. The management terminal distributes medical bills and specifications on which computational examination has been completed to the examiner terminals.

Abstract: Methods and apparatus for analyzing financial data generally includes a predictive modeling system. The predictive modeling system may include an artificial agent responsive to an input data set. The artificial agent may produce an estimated data set including a market conditions data set. The market conditions data may include an estimate of at least one of liquidity of a market, strategy of a counterparty, and an effect of information leakage. The artificial agent may determine a predictability value for the estimated data set. The predictive modeling system may also include an agent factory responsive to the input data set. The agent factory may generate an artificial agent in response to the input data set.

Abstract: A method, machine, article for reducing accounting volatility.

Abstract: A method for determining a premium for insuring a security comprising the steps of determining an insurance risk premium based upon a security to be insured, determining an expense and profit load, and combining the insurance risk premium and the expense and profit load to determine a total gross premium. A system for determining a premium for insuring a security comprises a computer system capable of having entered information related to a security to be insured, the computer system having a program for calculating an insurance risk premium based upon a security to be insured, for calculating an expense and profit load, and for combining the insurance risk premium and the expense and profit load to determine a total gross premium.

Abstract: Systems and methods for determining and reporting aggregated transaction level data regarding a particular user are disclosed. Based on the requests of one or more information requesters, an aggregator server can request transaction level data for all accounts associated with a particular user from a transaction database. The transaction database returns raw transaction level data for all accounts associated with the particular user to the aggregator server. The aggregator server can then parse the raw transaction level data based on a number of transaction level data elements and information requester input. The parsed raw transaction level data can then be used to determine the number of predefined or information requester defined transaction level data aggregates. The resulting transaction level data aggregates can then be sent in a report to the one or more information requesters.

Abstract: A system architecture and method for energy industry trading and transaction management includes a business logic server-based layer and a database layer. The business logic server-based layer includes a parameter-based configuration of at least one business logic service. The business logic service is configurable to enable a deployment of the system to be compatible with a respective business practice of at least one client customer. The at least one business logic service is configured to support energy trading and transaction management and to utilize business rules operable on an event basis for processing via an API at least one of energy trading and transaction management data, including data specific to the at least one client customer. The database layer operatively connects to the business logic layer for storing the data processed by the business logic layer in a database.

Abstract: A system and method for on-line management of account information by customers of a provider of goods or services. A web server receives billing information from a telecommunications service provider in a standardized XML-format readily suitable for viewing by the customers. The system further includes a tiered storage system for maintaining invoices of the customers. Recent invoices are maintained in an upper tier of the storage system where they are accessible to customers over the Internet. As the invoices age, an archival and retrieval application periodically transfers the invoices to an intermediate tier where they may only be accessed by the archival and retrieval application using an index maintained in the upper tier. Account receivable information is also available on-line through the web site.

Abstract: A system and method of managing tax-deferred retirement accounts may allow a plurality of participants to invest in a portfolio having a plurality of exchange traded funds (ETFs) according to an asset allocation model. The system and method may use at least one regular contribution to selectively buy at least one underweighted exchange traded fund to cause a participant's portfolio to more closely conform to the asset allocation model. The system and method may allow a plurality of participants to conduct calculations of estimated retirement savings based on a plurality of parameters.

Abstract: Methods, systems and apparatus, including computer program products, for generating cookies. Multiple advertisements for multiple advertisers are stored on an ad server. Hostnames specific to each of the multiple advertisers are generated dynamically. The generated hostnames identify the ad server. A reference is generated identifying a particular advertisement of the multiple advertisements and the ad server. The ad server is identified in the reference with the generated hostname associated with the advertiser of the advertisement. The reference is provided to a client. A request is received from the client for the advertisement. The request includes the generated hostname. In response to the request, a client cookie, which includes a unique identifier, is sent to the client.