Abstract: Presentation of a video clip is made to persons having a high probability of viewing the clip. A database containing viewers of previously offered video clips is analyzed to determine similarities of preferences among viewers. When a new video clip has been watched by one or more viewers in the database, those viewers who have watched the new clip with positive results are compared with others in the database who have not yet seen it. Prospective viewers with similar preferences are identified as high likelihood candidates to watch the new clip when presented. Bids to offer the clip are based on the degree of likelihood. For one embodiment, a data collection agent (DCA) is loaded to a player and/or to a web page to collect viewing and behavior information to determine viewer preferences. Viewer behavior may be monitored passively by different disclosed methods.

Abstract: A computer-based method for determining a value of an index-offset deposit product, having a principal amount P, a term T, a specified guaranteed amount G, and an index credit C, comprising: d) setting trial values for fixed-income-linked crediting parameters for said product implying an expected fixed-income-linked credit component F at the end of the term T; e) determining a cost for an equity option paying equity-linked credit component E such that the index credit C=E+F, to be paid at T, together with the principal P, is at least equal to G; and f) summing said equity option cost, present value of principal, and present value of fixed-income-linked credit component to determine said value of said index-offset deposit product.

Abstract: The present invention broadly comprises a computer-based method for determining a set of equity-indexed crediting parameters C for a selectable-term equity-indexed deposit product also having a set of profitability requirements R, a principal amount P, an account value A, a maximum term T, a set of lock-in formulas F, a selected term T?, an immediate credit I, and a guaranteed rate G, with R, P, A, T, C, and F determined at the time of product purchase and T? <=T determined by the purchaser after the time of purchase and I and G determined by the seller at T? according to the set of formulas F, with the immediate credit I being added to the account value A at time T? and interest being credited to the account value A at the rate G from time T? to time T.

Abstract: The present invention broadly comprises a computer-based method for determining a set of equity-indexed crediting parameters C for a selectable-term equity-indexed deposit product also having a set of profitability requirements R, a principal amount P, an account value A, a maximum term T, a set of lock-in formulas F, a selected term T?, an immediate credit I, and a guaranteed rate G, with R, P, A, T, C, and F determined at the time of product purchase and T?<=T determined by the purchaser after the time of purchase and I and G determined by the seller at T? according to the set of formulas F, with the immediate credit I being added to the account value A at time T? and interest being credited to the account value A at the rate G from time T? to time T.

Abstract: Various user behaviors are passively monitored and recorded when a user/viewer interacts with a network video player, e.g. a web video player, while watching an online video clip. For one embodiment, a data collection agent (DCA) is loaded to the player and/or to a web page that displays the video clip. The DCA passively collects detailed viewing and behavior information without requiring any specific input or actions on the part of the user. Indications of user preferences are inferred by user actions leading up to viewing the video, while viewing the video, and just after and still related to viewing the video. The DCA periodically sends this information to a central server where it is stored in a central database and where it is used to determine preference similarities among different users. Recorded user preference information may also be used to rate a video itself.

Abstract: A computer-based method for determining a value of an index-offset deposit product, having a principal amount P, a term T, a specified guaranteed amount G, and an index credit C, comprising: d) setting trial values for fixed-income-linked crediting parameters for said product implying an expected fixed-income-linked credit component F at the end of the term T; e) determining a cost for an equity option paying equity-linked credit component E such that the index credit C=E+F, to be paid at T, together with the principal P, is at least equal to G; and f) summing said equity option cost, present value of principal, and present value of fixed-income-linked credit component to determine said value of said index-offset deposit product.