Abstract: The subject application is directed to a system and method for selective control of advertising messages on distributed document processing devices. Device identification data is first received corresponding to the identity of networked document processing devices available for display of selected advertising content. Device selection data representing a selected subset of the networked document processing devices is then received, with the selection made in accordance with the received identification data. Next, customization data is received corresponding to a selected display parameter associated with the selected advertising content. The selected advertising content and the received customization data are then communicated to each of the networked document processing devices in the selected subset. Each of the document processing devices then commences the display of the selected advertising content in accordance with the customization data.

Abstract: The present invention relates to a method or system for investing. A representative embodiment comprises providing a collective investment entity that offers shares of stock for sale to investors, and providing a plurality of investors that purchase shares of stock in the collective investment entity. The shares of stock are subject to a qualifying period. Disbursement value is allocated, and a number of eligible investors is determined. The investors are eligible by virtue of owning at least one eligible share of stock. A disbursement event is conducted, wherein the disbursement value is disbursed to at least one eligible investor chosen in a lottery selection process from among the eligible investors. An eligible share of stock comprises a share that has remained under the ownership of a single investor for the duration of the qualifying period.

Abstract: To disaggregate a single combined price of a bundled product, a computer receives a price data set comprised of component parts that correspond to the component parts of the bundled product. At least one component part differs in accordance with at least one parameter value of another component part. A price for a component part is calculated by obtaining metric data that includes one or more market reference prices responsive to the component part. Using the metric data, a market value is computed for each component part and the computed market values are summed to compute a market value total. A proportional value for at least one component part is generated by dividing the market value of the component part by the market value total. A price for the component part is calculated by multiplying the price data set's single combined price by the component part's proportional value.

Abstract: A computerized method and system for implementing such method, the method comprising establishing a card payment instrument account for an approved customer and an investment account for the benefit of the approved customer. A rebate is calculated periodically based on credit card usage and the rebate is applied to fund the investment account periodically. The rebate is the only funding of the investment account accomplished through the card payment instrument account.

Abstract: Ranking payment requests includes a peer-to-peer payment system that employs a server configured for receiving a payment request from a requester computing device; receiving location data of the requester network device; receiving a request for a ranking of payment requests; searching social network information of the payor for occurrences of the requester of the payment request; receiving location data of the payor network device, the location data comprising a location of the payor computing device and a location history of the payor computing device; searching a transaction history of the payor; ranking the payment requests based at least in part on one or more of the location of the requester, a strength of social network connections to the payor for each of the payment requesters, and number of previous transactions between the payor and the requester; and providing the ranking of the payment requests to the payor.

Abstract: Augmenting service oriented architecture (‘SOA’) governance maturity including receiving an evaluation of the maturity of the governance of the SOA; identifying, for each governance capability in dependence upon the evaluation of the maturity of the governance capability, one or more predefined risks to the SOA; establishing, for each governance capability in dependence upon the predefined risks to the SOA, a risk value representing the severity of the predefined risks; selecting, for each governance capability in dependence upon the evaluation of the maturity of the governance of the SOA and the predefined risk value, one or more governance work products; and communicating to predetermined stakeholders in the SOA the one or more predefined risks to the SOA identified for each governance capability, the risk value established for each governance capability, and the governance work products selected for each governance capability.

Abstract: Disclosed herein are representative embodiments of methods, apparatus, and systems for distributing a resource (such as electricity) using a resource allocation system. In one exemplary embodiment, a plurality of requests for electricity are received from a plurality of end-use consumers. The requests indicate a requested quantity of electricity and a consumer-requested index value indicative of a maximum price a respective end-use consumer will pay for the requested quantity of electricity. A plurality of offers for supplying electricity are received from a plurality of resource suppliers. The offers indicate an offered quantity of electricity and a supplier-requested index value indicative of a minimum price for which a respective supplier will produce the offered quantity of electricity. A dispatched index value is computed at which electricity is to be supplied based at least in part on the consumer-requested index values and the supplier-requested index values.

Abstract: Provided are systems, machines, non-transitory computer medium having computer program instructions stored thereon, and computer-implemented methods for providing a premium or an indemnity for a supplemental crop insurance policy. The methods including providing for display of a supplemental crop insurance policy information content page including one or more loss parameter fields to be populated by a user with a corresponding set of supplemental crop insurance parameters, receiving a set of supplemental crop insurance parameters submitted by a user via populating the one or more parameter fields of the supplemental crop insurance policy information content page, determining a premium or an indemnity for the supplemental crop insurance policy based at least in part on the set of supplemental crop insurance parameters, and providing for the display of a supplemental crop insurance policy content page including the premium or the indemnity for the supplemental crop insurance policy.

Abstract: In one embodiment, the instant invention includes a computer-implemented method having steps of: providing a plurality of pre-programmed components; receiving an alert strategy, representing a strategy diagram made on a computer screen from the plurality of provided pre-programmed components; validating the alert strategy, where the validation includes generating, real-time, a smart chart for the alert strategy; receiving a selection of at least one trading instrument for which the alert strategy to be executed; executing the alert strategy for the trading instrument based, at least in part, on one of: i) historical market data and/or ii) real-time market data, where the execution of the at least one alert strategy automatically reflected in the generated smart chart; and generating a buy/sell alert when the execution of the alert strategy meets a condition pre-determined by the alert strategy.

Abstract: A method is provided for authorizing a financial transaction of a consumer, comprising: issuing a card to a cardholder by a card-issuing financial institution; creating a card account associated with the card and the cardholder; creating a deposit account associated with the cardholder; creating a liability payment remittance account associated with the cardholder; associating the card with the deposit account and the payment remittance account; and placing money in the deposit account; receiving a request for authorization for a transaction from a clearing system by the card-issuing financial institution; and if adequate resources exist, transferring funds from the deposit account to the payment remittance account; and authorizing the purchase transaction; thereby building an outstanding balance on the credit card account; applying a funds debit or charge to the payment remittance account; and crediting the credit card account for an amount of payment.

Abstract: An insurance policy is stored (101) as a plurality of discrete temporally-sequential policy data revisions. A legally binding revision for a first given date is then determined (102) by identifying all policy data revisions effective on the first given date and choosing a most temporally recent policy data revision temporally prior to a second given date. When a new policy data revision is (103) temporally subsequent as compared to a first policy data revision and also comprises a legally effective date range preceding at least in part an effective date range of the first policy data revision, legally non-overlapping policy data revisions are created (104) for each legally overlapping effective date range as exists between the new policy data revision and all temporally preceding revisions. Each newly-created legally non-overlapping policy data revision comprises changes introduced by the new policy data revision and at least one temporally preceding policy data revision.

Abstract: A system and method allows an adviser/registered representative to act as an adviser to clients at a fee-only broker/custodian, and as a broker to the same clients at an independent broker-dealer. Non-commission-based trades are cleared and settled by the fee-only broker/custodian and commission-based trades are made by the independent broker-dealer using a clearing firm. The clearing firm settles the commissioned trades at the fee-only broker/custodian, where all the assets can be custodied.

Abstract: The present invention relates to a computer-implemented method, system, and program product for identifying business offerings based on customer needs. In a typical embodiment, the present invention is implemented in conjunction with a spreadsheet computer program such as LOTUS 1-2-3, MICROSOFT EXCEL or the like. In any event, under the present invention, at least one initial analysis/customer detail will be designated. Based on the designation(s), a set of customer needs will be identified from a set of possible customer needs. Thereafter, at least one customer need from the set of customer needs will be designated. Based on this designation and a mapping of customer needs to possible business offerings, a set of prioritized business offerings will be identified from a set of possible business offerings.

Abstract: Computer-implemented systems and methods for computing a transaction cost metric for a transaction (or trade order) involving a tradable financial product, such as a FX currency pair. The transaction cost metric can be computed pre-trade and compared to a quoted price for the trade from a dealer to evaluate the quoted price. The computed transaction cost metric, which is based on a slippage premium for the trade order, is based on at least a notional size for the trade order. The slippage premium represents a difference between an effective price at which the trade order is filled and a price for the financial product at inception of the trade order. The transaction cost metric may be computed as an average of a strip of options, where the values of the options are computed using an option pricing formula. The strip of options may comprise one or more options, each with different tenors, where the tenors correspond to the expected time periods for orders to arrive to fill the trade order.

Abstract: A method for detecting against unauthorized transmission of digital works comprises the steps of maintaining a registry of information permitting identification of digital copyrighted works, monitoring a network for transmission of at least one packet-based digital signal, extracting at least one feature from the at least one digital signal, comparing the extracted at least one feature with registry information and applying business rules based on the comparison result.

Abstract: A computer-readable storage medium contains instructions that cause one or more computing devices to receive a product specification data set identifying one or more items, and price data sets that include one or more items and corresponding price data. For each price data set, metric data is obtained which includes one or more market reference prices for the items in the price data set. A market value of the items is calculated for comparison to the price data in the price data set. The instructions may also cause the one or more computing devices to compare the price data in the price data set to the calculated market value to generate a comparison value. In another embodiment, metric data is obtained for each item in a product specification data set, and a market value of each item is calculated for comparison to the price data in the price data sets.

Abstract: A method, system and computer program product for forecasting the transaction cost of a portfolio trade execution that may be applied to any given trading strategy or an optimal trading strategy that minimizes transaction costs. The system accepts user-defined input variables from customers and generates a transaction cost estimation report based on those variables. Two models are utilized: discretionary and non-discretionary. A specific transaction cost estimation and optimization is performed that model the transaction costs of a specific trade execution based on the user's trading profile and market variables.

Abstract: A computer-implemented method of trading an interest, which includes executing a trade for the interest between counterparties, locking the interest for further executions, providing an opportunity to the counterparties to work-up the trade, providing an opportunity to a trader not a counterparty to the trade to join in the trade, receiving a request from the trader to join the trade; and joining the trader in the trade.

Abstract: A method for downloading information from a remote server. The method includes receiving, at a portable device, banking card information for an account and storing the banking card information into a secure memory within the portable device. Responsive to the receiving, a first moblet software module automatically sends a wireless message to the remote server to inform the remote server of the banking card information being received at the portable device. The portable device may receive a second moblet software module associated with the banking card information. The portable device may subsequently execute the second moblet software module which utilizes the banking card information, wherein the first and second moblet software modules comprise device independent commands of a generic syntax and wherein further the commands are executed by a device dependent software module also resident on the portable device.

Abstract: A system and methods are provided for using order descriptor identifiers in relation to orders being used in trading strategies. According to one example method, when a hedge order is submitted upon detecting a fill of another order, the hedge order includes one or more order descriptor identifiers conveying a purpose of the hedge order to a user. The order descriptor identifiers can be used to search for desired orders and perform more effective order management and post trade analysis.