Abstract: Software aggregates and integrates credit exposure and credit data across accounting, trading and operational systems within an organization and generates views of available credit in light of the exposure and credit limits. A comprehensive model of exposure to all counterparties, across all of their divisions and subsidiaries, is assembled, enabling the creation of a hierarchical view of each counterparty that models its real-world parent-child relationships. Credit limits are set across the enterprise, supporting the organization's unique methodology and business process, and on a granular basis, incorporating factors such as external credit ratings, internal credit scores, commodity, geographic region, deal duration, and security instruments. Credit, transactions, and risk are then determined at any level in the hierarchy.

Abstract: Embodiments disclosed herein can directly compensate Web users for viewing ads. In some embodiments, this is achieved by Ad player software. In some embodiments, the Ad player may be hosted on a server machine, implemented as a client-side application, or integrated into a Web site. In some embodiments, the Ad player may be operable to allow a user to login to the player, track the ads shown to the user, and directly compensate the user. The ads are selectively presented to the users based on information about the users. In some embodiments, at least a portion of the information about a user is provided by the user and stored in a designated MeFile. In some embodiments, advertisers may define ad campaigns based on information derived from the MeFiles. In some embodiments, advertisers may bid for the attention of Web users and the Ad player may list ads per bid price.

Abstract: Software aggregates and integrates credit exposure and credit data across accounting, trading and operational systems within an organization and generates views of available credit in light of the exposure and credit limits. A comprehensive model of exposure to all counterparties, across all of their divisions and subsidiaries, is assembled, enabling the creation of a hierarchical view of each counterparty that models its real-world parent-child relationships. Credit limits are set across the enterprise, supporting the organization's unique methodology and business process, and on a granular basis, incorporating factors such as external credit ratings, internal credit scores, commodity, geographic region, deal duration, and security instruments. Credit, transactions, and risk are then determined at any level in the hierarchy.

Abstract: Systems for regulating Internet access at libraries are provided herein. In one embodiment, the system comprises a first computer having a user interface in communication with a network and a library card database, wherein the first computer is configured to compare library card information stored in the library card database. This system further comprises a second computer having a second interface in communication with the network and a transaction database, wherein the second computer is configured to compare user information stored in the transaction database. Also provided are methods for using the same.

Abstract: Software aggregates and integrates credit exposure and credit data across accounting, trading and operational systems within an organization and generates views of available credit in light of the exposure and credit limits. A comprehensive model of exposure to all counterparties, across all of their divisions and subsidiaries, is assembled, enabling the creation of a hierarchical view of each counterparty that models its real-world parent-child relationships. Credit limits are set across the enterprise, supporting the organization's unique methodology and business process, and on a granular basis, incorporating factors such as external credit ratings, internal credit scores, commodity, geographic region, deal duration, and security instruments. Credit, transactions, and risk are then determined at any level in the hierarchy.

Abstract: A method of providing metered Internet access, includes a user sits down at a client computer, the user chooses a payment method, the user's payment method is validated by a remote transaction server, and the user is provided access to the Internet. A method of providing metered Internet access at public libraries based on configurable time limits and reservations, includes a user sits down at a client computer, the user enters their library card number, the user's number is verified against the library's library card database and against a remote transaction server that verifies the number of minutes allotted to that user, and the user is provided access to the Internet.

Abstract: Software aggregates and integrates credit exposure data across accounting, trading and operational systems within an energy trading organization. A comprehensive model of exposure to all counterparties, across all of their divisions and subsidiaries, is then assembled, enabling the creation of a hierarchical view of each counterparty that models its real-world parent-child relationships, and taking into account netting, setoff, and margin requirements, collateral requirements and contract terms, internal and external views of exposure and liquidity, and risk concentrations based on both system and user-defined risk categories. After aggregating the exposure information, credit, transactions, risk and other properties are determined at any level in the hierarchy and then the system presents a comprehensive, detailed, real-time, enterprise-wide view of current exposure, collateral requirements and outlays for both a company and its counterparties.

Abstract: Software aggregates and integrates credit exposure and credit data across accounting, trading and operational systems within an organization and generates views of available credit in light of the exposure and credit limits. A comprehensive model of exposure to all counterparties, across all of their divisions and subsidiaries, is assembled, enabling the creation of a hierarchical view of each counterparty that models its real-world parent-child relationships. Credit limits are set across the enterprise, supporting the organization's unique methodology and business process, and on a granular basis, incorporating factors such as external credit ratings, internal credit scores, commodity, geographic region, deal duration, and security instruments. Credit, transactions, and risk are then determined at any level in the hierarchy.