Abstract: A computer-implemented method for monitoring the effectiveness of advertisements broadcast is described. The method includes detecting that an advertisement has been aired by a broadcast station, monitoring a network for a duration subsequent to the airing of the advertisement for activity attributable to the airing of the advertisement, and developing a quantitative relationship between the activity and a number of listeners of the advertisement.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for data aggregation.

Abstract: The disclosed embodiments include a mobile client device for automatically performing a mobile financial service function, including a memory storing software instructions, the software instructions including a mobile financial service application configured to perform financial service processes. The system may also include and one or more processors configured to execute the software instructions to detect a physical action performed on the mobile client device, and determine a first financial service function to perform based on the detected physical action, wherein the first financial service function is a function provided by the mobile financial service application. The one or more processors may also determine whether verification of a user is required, verify the user if verification of the user is required, and automatically initiate the first financial service function.

Abstract: A pre-paid debit or credit card account, and an associated pre-paid debit or credit card, is provided to a consumer for use with one or more check conversion stations. The check conversion stations include a card reader for obtaining user account data associated with the consumer's pre-paid debit or credit card account from the pre-paid debit or credit card and a paper check scanner for obtaining check data from a paper check provided by the consumer. At least part of the user account data and the check data is then subjected to analysis, verification, and/or approval of a transfer of at least part of the funds indicated by the check data to the balance of the pre-paid debit or credit card.

Abstract: Proposed is a computer-implemented method for a recycling company to increase recycling demand, the computer including a processor system having at least one processor and a memory system. The method comprises registering, by the computer, a recycler with a recycling company, wherein the recycler obtains identification. The computer then enters the recycler's identification to begin a transaction for recycling. The type of material to be recycled is entered into the computer. The processor system evaluates a value for the recyclable material and determines the total payment to be paid to the recycler. A portion that is less than or equal to the total payment given to a fund is entered into the computer, and the final payment to be paid to the recycler is computed. The final payment is the total payment less the portion given to the fund. On completion of the above operations, the transaction is logged.

Abstract: When a request to purchase an item using an account of a user is received, a geographic location of a user device when the request was made is determined, the user device used to make the request. If the location from where the request was made is an unexpected location of the user, a determination is made as to the likelihood of the user being at the determined location. The likelihood of the user being at determined location is determined based on social networking information of the user. The purchase request is processed based on the determined likelihood of the user being at the determined location. The feature of checking the location of where a purchase request is made from can be enabled or disabled by the user.

Abstract: A method and system provides transactions and arrangements in virtual world environments. A user can participate in transactions to acquire virtual property and related virtual rights. In some implementations, real-world and virtual parties can be involved in possible transfers and/or transfer revocations involving various types of virtual objects and virtual rights.

Abstract: The systems and methods described herein allow greater access to a banking platform via a mobile device. The customer can initiate a financial transaction using a mobile device, a bank can inform the customer of the nearest financial transaction terminal to perform that service, and the customer can complete that financial transaction at the financial transaction terminal using the mobile device as a user interface. While conventional systems may use a mobile device to transmit payment information at a point of sale terminal of a brick-and-mortar merchant, the embodiments described herein can allow a customer to conduct a transaction at a financial transaction terminal using the mobile device to initiate a transaction at a location away from a financial transaction terminal, to locate the nearest financial transaction terminal providing the required services, and as a user interface while communicating with the financial transaction terminal.

Abstract: A method and system provides transactions and arrangements in virtual world environments. A user can participate in transactions to acquire virtual property and related virtual rights. In some implementations, real-world and virtual parties can be involved in possible transfers and/or transfer revocations involving various types of virtual objects and virtual rights.

Abstract: A method of managing an insurance value chain is disclosed. A specification of an insurance policy having a set of attributes is received. Sets of values corresponding to the set of attributes are received. The sets of values are derived from negotiations with stake holders of an insurance value chain. Versions of the insurance policy are generated. Each of the versions of the insurance policy corresponds to a unique one of the sets of values. An aggregation of information regarding the versions of the insurance policy is presented via a user interface of an insurance value chain application.

Abstract: Methods and systems for the provision of a targeted risk-protected minimum income benefit or protected distribution through the design and management of a trust that allows for exposure to the equity and fixed-income markets. The targeted minimum income amounts depend upon the performance of equity and fixed income assets and risk mitigation instruments contained in the Trust. The method and system rely upon the adjustment of constituent assets to provide for the targeted minimum retirement income amounts. The action of risk management procedures eliminate reliance upon third-party guarantors. The methods and systems include mortality management procedures that protect the participants against longevity risk.

Abstract: Methods, systems, and apparatus, including computer program products, in which a method includes attributing a value to a pre-paid payment instrument, determining an expiration time associated with the pre-paid payment instrument, and automatically return an un-used portion of value associated with the pre-paid payment instrument at the expiration time to the purchaser.

Abstract: Embodiments of the invention are directed to apparatuses, systems, and methods that allow for personalized data to be embedded in a primary account number associated with a consumer device. In one embodiment, a consumer device comprises a body and personalized data embedded into a primary account number, associated with the body. The primary account number includes a bank identification number and the bank identification number and the personalized data overlap.

Abstract: A card fraud prevention network and method are provided. The network includes a plurality of network-connected data processing terminals, including at least one server. Electronic authorization requests are received for authorizing the processing of an electronic transaction associated with a cardholder's card data or account data. The received requests are filtered according to predetermined or configurable criteria. A cardholder terminal is identified, to which the request is sent in order to notify the cardholder that processing of an electronic transaction is proposed, a parameter of which is the cardholder's card data or account data. Means are provided for interrupting processing of the, or any further, electronic transaction with that card data or account data, should the request correspond to an unauthorised transaction.

Abstract: A method for matching orders is provided. The method includes receiving a first order for a product, the first order specifying a first volume, receiving a second order for the product, the second order specifying a second volume, wherein the first volume is different than the second volume, generating an implied order based on a ratio spread defined between the first order and the second order, and matching a third order with the implied order.

Abstract: This disclosure includes methods and systems for limiting the transfer of funds from an account after a lock feature for the account has been engaged in response to an account lock request. The account lock request can be sent via an SMS message. The lock request can limit the transfer of funds from the account, and generally limit usage of the account for financial transactions. The account can be a funding source for a payment account.

Abstract: According to one embodiment, a method of managing trading is provided. In a market for a particular type of instrument, electronic data including buy orders and sell orders are received from a plurality of traders. Each buy order has an associated bid price and each sell order has an associated offer price. A determination is made of whether the particular trading order is an outlying trading order by electronically determining whether the particular trading order differs from at least one comparison price by more than a threshold value. If it is determined that the particular trading is an outlying trading order, a restrictive action is taken regarding one or more trading orders. For example, if a trader subsequently submits another trading order that would trade with the outlying trading order, an electronic alert message may be sent to the trader and the subsequent trading order may be prevented from trading with the outlying trading order at least temporarily.

Abstract: A monitoring system comprising an extracting device monitoring business data used in a business process on a business device and extracting monitoring target data specifying a predetermined item of data from the business data, and a monitoring device processing the monitoring target data given from one or more extracting devices, wherein the extracting device judges, when the business process occurs on the business device, whether or not the business data used in the business process is the monitoring target data, and transmits the monitoring target data to the monitoring device, and the monitoring device aggregates the monitoring target data extracted by the extracting device from one or more extracting devices, stores the aggregated data, analyzes the stored data, then stores the analyzed result data, and notifies the monitoring client of the stored result data.

Abstract: The present invention relates to systems and methods for estimating economic losses from wind storms. Accordingly, provided herein are methods estimating roughness length of an area surrounding a structure, methods calculating local wind speed at a structure, methods of estimating wind pressure on a structure, and methods of calculating the insurability of a structure. Also provided are systems and computer-readable storage media configured for performing the disclosed methods.

Abstract: Systems and methods are provided for processing large volumes of credit-related data and other data, and generating products based on the processed data. Data received from a number of different data sources may be processed in parallel and stored in memory. Reporting rules may be defined in association with each of a number of different accounts. Products, such as credit reports, may then be generated based on one or more rule sets.