Abstract: A network device coalesces data received from an exchange, and provides a user with the opportunity to receive fewer, but up-to-date, data updates from an exchange when duplicate prices become available or a large volume of prices becomes available suddenly. Accordingly, the trader can be assured of receiving non-duplicated prices that are fed at a rate that is cohesive with that trader's connection speed. The present invention is designed to conserve on bandwidth thereby increasing the likelihood that bandwidth will be available to receive desirable market information.

Abstract: A method for a consumer to protect against loss associated with specified forms of check fraud. Upon purchasing checks, a consumer can subscribe to a check fraud protection program, for an additional fee. The subscription will enable the consumer to obtain reimbursement from the check printer for the consumer's losses due to specified causes. The consumer reciprocally assigns any right of recovery from the consumer's bank or financial institution to the check printer, which can then seek reimbursement from the bank, or financial institution and institute proceedings against the fraud perpetrator. Protection may be obtained for forged signatures, forged endorsements and altered check. A symbol to indicate such protection is also disclosed.

Abstract: A method, system and computer-readable medium for providing a reverse mortgage instrument for use in an existing mortgage are disclosed. In certain circumstances, a reverse mortgage is beneficial to military personnel being deployed, or other customers experiencing financial hardship. The present reverse mortgage allows a customer to either apply for the reverse mortgage, or pre-designate the mortgage to have a reversal upon the occurrence of a predetermined event.

Abstract: An engineering simulation tool uses boundary regions of proposed design modifications to a finite design element to assess the impact of those proposed design modifications. This tool allows a designer to incorporate a new design feature into a proposed model and generate simulated performance results for the proposed design without re-execution of finite element method.

Abstract: In some embodiments, a market assessment system comprises a market opportunity engine, a market capture engine, a comparison engine, and an attainability engine. The market opportunity engine is operable to provide an opportunity measurement for each market of a plurality of markets. The market capture engine operable to provide an actual capture measurement for each market of the plurality of markets. The actual capture measurement indicates an amount of the product actually provided by the enterprise within each market. The comparison engine operable to compare a first market of the plurality of markets to one or more different markets of the plurality of markets to determine one or more comparable markets. The attainability engine operable to calculate an attainable opportunity measurement for the first market based on the actual capture measurement and the opportunity measurement for each of the one or more comparable markets.

Abstract: Systems and methods are provided for communicating and processing market data. The market data may comprise quotes, orders, trades and/or statistics. A messaging structure allows for adding, re-ordering and/or expanding data, within the printable character set of any language. One or more delimiters are defined and used to delimit data elements within the message structure. The data is interpreted based on templates which may be disseminated prior to the sending of messages and used as an abstraction so that the meaning of data need not be conveyed in the message.

Abstract: A business method associates provisioning costs with a usage history indicative of user computing demand, and coalesces the cost data to identify an appropriate provisioning level balancing the provisioning cost and the usage demand cost. Conventional computing environments suffer from the shortcoming of being prone to overprovisioning or underprovisioning a user. Such misprovisioning is inefficient because it denotes underutilized computing resources or ineffective and/or disgruntled users. Costs increase either due to the excessive hardware bestowed on the overprovisioned user, or in support costs addressing the underprovisioned user. Configurations herein substantially overcome such shortcomings by defining a policy indicative of overprovisioning and underprovisioning indicators (misprovisioning flags), and defining rules to specify a triggering event indicating the need to reassess the provisioning of a user.

Abstract: Systems and methods for providing a tradable (e.g., exchange-listed) instrument by securitizing foreign currency using a foreign currency trust or other special-purpose vehicle that is established to hold one or more particular foreign currency and to issue foreign currency trust shares and/or receipts corresponding to the value of the foreign currency(s) held by the Trust. The foreign currency trust shares may represent a proportional interest in the Trust and/or the foreign currency held by the trust. The Trust may include one or more Trust accounts to receive and store the foreign currency deposited with the Trust. The Trust can operate to receive an investment amount in a first currency and provide shares or Trust receipts having a value in a second currency. The shares or receipts of the trust can be listed, quoted, and traded on a trading system.

Abstract: A system is described for optimizing lead close rates. The system may create a seller scoring model that may be “trained” by a sales lead data over a period of time. The scoring model may be used to measure the performance of sellers in terms of handling and closing sales leads. The scoring model may be used to predict the sellers' close rates for future leads. The system may normalize the sellers based on lead volume to increase the confidence level in the scoring model. The system may utilize the scoring model to determine lead specific handling instructions for future leads to optimize sellers' close rates.

Abstract: Subscriber travel behavior is defined using cellular call location data. The defined travel behavior is used to segment the customer population. In a further aspect of the disclosed principles, a method to consolidate numerous of price plans is disclosed wherein price plans are grouped using cluster analysis. In the context of this disclosure, the term “cluster analysis” encompasses a number of different algorithms and methods for grouping objects of similar kind into respective categories to thus organize observed data into meaningful structures. In this context, cluster analysis is a data analysis process for sorting different objects into groups in a way that the degree of association between two objects is maximal if they belong to the same group and minimal otherwise.

Abstract: Example embodiments provide program products, systems, and associated methods of presenting a seller with a graphical representation of demand for a potential product listing so that the seller can intelligently price and position the product. A website server associated with a website of product listings captures in a database product preference criteria for a consumer, including, for example, price information. The website server aggregates the captured product preference criteria for a plurality of consumers and determines an imputed consumer demand for a potential product listing. The website server displays on a display device associated with a computer of a seller a multi-dimensional graph of demand for the potential product listing so that the seller can gauge market demand prior to listing a product for sale. Embodiments further include two-dimensional graphs plotting demand versus price, contour lines for the demand imposed on pricing graphs, and color-coded demand heat maps.

Abstract: A system and method for providing a tradable (e.g., exchange-listed) instrument by securitizing a commodity using a commodity trust or other special-purpose vehicle that is established to hold one or more physical commodities and to issue commodity trust shares and/or receipts corresponding to the value of the physical commodity held by the Trust. The commodity trust shares may represent a proportional interest in the Trust and/or the physical commodity held by the trust, e.g., precious metals such as gold, or base metals such as copper. The Trust may include one or more Trust accounts to receive and store the physical commodity deposited with the Trust. The shares or receipts of the trust can be listed, quoted, and traded on a trading system, e.g., an Electronics Communication Network (ECN), and may be traded as Exchange Traded Fund (ETF) shares on a securities exchange.

Abstract: Lead distribution systems and methods distribute consumer business leads received from lead sources for routing to one or more destinations that will use the lead and/or will forward the lead to another destination. The system identifies a set of most profitable destinations for each lead based on a margin score, while complying with business rules associated with the lead source and destinations. Each lead source is associated with at least one cost score, reflective of a monetary cost for the lead and of other business considerations associated with the lead source. Candidate destinations are each associated with a revenue score, reflective of an amount to be paid for a lead and of other business considerations associated with the destination. A margin score for each destination is calculated based on the cost and revenue scores, and the lead is distributed, based at least in part on the calculated margin scores.

Abstract: Providing data statistics includes receiving property information of selected products input by users, searching and locating a Standard Property Union (SPU) corresponding to the property information in a database, the SPU comprising a set of one or more products sharing a set of one or more properties, generating behavior data, including by summarizing a cumulative number of behavioral instances associated with each product in the set of products included in the SPU, and outputting the behavior data.

Abstract: Opportunity distribution systems and methods distribute business opportunities received from lead sources for routing to one or more destination businesses that will make use the opportunity, such as an opportunity to place a webpage advertisement on a webpage that is being served to a viewer. The system identifies a set of most profitable destinations for each opportunity, for each routing, while complying with business rules associated with the opportunity source and the destination businesses. System variables associated with the lead source and the destinations may be advantageously adjusted to maintain desired flow rate and quality levels of leads to each destination and to maximize profit to the system. A system administrator module and log of lead transactions allows the system to review previous performance and to carry out simulations in order to identify desired adjustments to system variables.

Abstract: Using a portable device, a method of conducting commerce can include executing within the portable device an application configured to communicate with an automated teller machine by displaying graphic symbols. A user input specifying transaction information which can include at least a personal identification code for a transaction can be received. The method further can include generating a graphic symbol specifying the transaction information and displaying the graphic symbol upon a display screen of the portable device. Accordingly, a graphic symbol reader of an automated teller machine can read the graphic symbol and process the transaction.

Abstract: Money transfer system authorizing an escrow agent computer electronically by touch-tone telephone, computer modem, P.O.S. (point of sale) terminal, live operators, to send cash transfers from a sender's account such as their credit, debit, bank, or ATM card, or a bank account, to a recipient who accesses the money at any remote ATM type location or P.O.S. (point of sale) terminal by using cards such as a specialized magnetic cards, credit cards, debit cards, and automated teller machine (ATM) card, at anytime and anywhere. Senders can authorize the transfer by touch-tone and PIN (personal identification number) secure codes. The system can operate without pre-existing relationships, and monitor transactions and take surcharges based on transfer amounts, and use a cards tethered to ATM machines and be used with double magnetic sided cards.

Abstract: Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumers spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving prospecting, new applicant evaluation, and customer management across the lifecycle. A SOW score focusing on a consumer's spending capability can be used in the same manner as a credit bureau score.

Abstract: A credit card transaction authorization method includes receiving information concerning a prospective remote credit card transaction with a credit card, obtaining location information from a wireless network provider for a wireless terminal that is associated with a cardholder of the credit card for the prospective credit card transaction, and correlating a location of the wireless terminal with a registered purchasing location associated with the user. Authorization information for the prospective credit card transaction may be generated in response to a result of the correlation of the location of the wireless terminal and the registered purchasing location.

Abstract: A method of estimating synergy in a development process is provided. Project hours spent during a baseline time period by an adopted application in support of a phased-out application are estimated. Project hours spent during a subsequent time period by the adopted application in support of the phased-out application are estimated. Estimated project hours spent in the subsequent time period are subtracted from estimated project hours spent in the baseline time period to determine an indirect synergy result. Hours spent in the subsequent time period by the phased-out application are subtracted from hours spent in the baseline time period by the phased-out application to determine a direct synergy result. The direct synergy result is added to the indirect synergy result to create a combined synergy result to display to a development process user.