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 system for managing digital rights of digital content over a network. A data card contains user information including digital rights information specific to a user, the data card having a memory component for enabling information to be stored within the data card. A data card reader is adapted to access the user information contained on the data card when the data card is in communication therewith. A data processor in communication with the data card reader is adapted to be connected to the network. An application program resides on the memory component of the data card, the application program being configured to operate in conjunction with a universal language for creating and controlling digital rights, to manage user rights of the digital content available on the network based on the digital rights information specific to the user which is contained on the data card.

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: A computer system (10) that allows a user to automatically access one of a plurality of Internet Service Providers which require information specific to the user and/or the ISP (12) to be accessed. A smart card (14) contains the information specific to the user and/or the ISP (12) to be accessed, and a smart card reader (18) reads the information contained on the smart card (14) when inserted into the recess 16 of the smart card reader (18). A computer (24) having a Central Processing Unit CPU (22) that is in communication with the smart card reader (18) and which is also adapted to be connected to the ISP (12) via telephone line (30).

Abstract: A smartcard with visual display is provided that enhances identity verification and outputs information stored on the smartcard. For enhanced identity verification, the visual display outputs identifying features of the individual authorized to use the card. For instance, the visual display outputs a sequence of images of the authorized user's face taken from different perspectives. The visual display also outputs information pertaining to the authorized user, such as medical, financial, or contact information. Also disclosed is a smartcard with visual display having multiple users authorized to use the card. Each of the authorized users may have differing levels of access rights.

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.

Abstract: An intelligent ID card holder comprises a receptacle for receiving the smartcard to facilitate intelligent ID card based transactions. The card holder further comprises one or more sensors of a user's features and a microcomputer for confirming the user's identity. The holder communicates with the ID card by electrical contacts or RF antenna. The sensor collects data representative of features of the current user of the card, and the microcomputer compares stored data in the memory with the sensed data to determine whether the current user is the authentic user. In a preferred embodiment, the intelligent ID card holder comprises a card holder with a cutaway viewing area showing a portion of the ID card surface, such as a photograph of the authentic user, while the ID card is inserted in the holder.

Abstract: A portable personal interface for a smartcard comprises a receptacle for receiving the smartcard to facilitate smartcard based transactions comprising one or more sensors of a user's features and a microcomputer for confirming the user's identity. A memory holds stored data representative of features of an authentic user of the card. A sensor on the interface collects data representative of features of the current user of the card, and a microcomputer compares the stored data with the sensed data to determine whether the current user is the authentic user. The features of the authentic user of the card can be stored on the card or in the memory of the interface, in which case the card comprises an identification code that correlates to specific stored data representative of one or more user's features. In the preferred embodiment, the portable personal interface comprises a smartcard sleeve.

Abstract: A computer system (10) that allows a user to automatically access one of a plurality of Internet Service Providers which require information specific to the user and/or the ISP (12) to be accessed. A smart card (14) contains the information specific to the user and/or the ISP (12) to be accessed, and a smart card reader (18) reads the information contained on the smart card (14) when inserted into the recess 16 of the smart card reader (18). A computer (24) is provided having a Central Processing Unit CPU (22) that is in communication with the smart card reader (18) and which is also adapted to be connected to the ISP (12) via telephone line (30).

Abstract: An interactive display extension device for use with a computer system, for displaying certain information to a user without taking up space on the existing computer screen. A memory stores information from the computer system. A processor processes the information stored in the memory. A display, separate from a display of the computer system, displays the information processed by the processor. A user is allowed to interact with the interactive display extension device to request additional information to be displayed.

Abstract: A system for managing digital rights of digital content over a network. A data card contains user information including digital rights information specific to a user, the data card having a memory component for enabling information to be stored within the data card. A data card reader is adapted to access the user information contained on the data card when the data card is in communication therewith. A data processor in communication with the data card reader is adapted to be connected to the network. An application program resides on the memory component of the data card, the application program being configured to operate in conjunction with a universal language for creating and controlling digital rights, to manage user rights of the digital content available on the network based on the digital rights information specific to the user which is contained on the data card.

Abstract: A computer system (10) that allows a user to automatically access one of a plurality of Internet Service Providers which require information specific to the user and/or the ISP (12) to be accessed. A smart card (14) contains the information specific to the user and/or the ISP (12) to be accessed, and a smart card reader (18) reads the information contained on the smart card (14) when inserted into the recess 16 of the smart card reader (18). A computer (24) is provided having a Central Processing Unit CPU (22) that is in communication with the smart card reader (18) and which is also adapted to be connected to the ISP (12) via telephone line (30).

Abstract: A computer system (10) that allows a user to automatically access one of a plurality of Internet Service Providers which require information specific to the user and/or the ISP (12) to be accessed. A smart card (14) contains the information specific to the user and/or the ISP (12) to be accessed, and a smart card reader (18) reads the information contained on the smart card (14) when inserted into the recess 16 of the smart card reader (18). A computer (24) is provided having a Central Processing Unit CPU (22) that is in communication with the smart card reader (18) and which is also adapted to be connected to the ISP (12) via telephone line (30).