Abstract: A multivariate predictive system processes usage based data that includes a database engine that provides access to a plurality of database management systems that mine diverse sources of usage based data. A digital filter selectively filters data streams that include usage based data. A sampler automatically divides the filtered data into sample groups and stores the sample groups in a memory. The sampler divides the filtered data according to insurance rating variables processed by a processor programmed to underwrite an insurance product and rate that insurance product. Some samplers store the divided filter data in a local memory. A multiplier multiples rating factors preprogrammed with the insurance rating variables with a base rate of insurance to determine an insured's insurance premium.

Abstract: A multivariate predictive system processes usage based data that includes a database engine that provides access to a plurality of database management systems that mine diverse sources of usage based data. A digital filter selectively filters data streams that include usage based data. A sampler automatically divides the filtered data into sample groups and stores the sample groups in a memory. The sampler divides the filtered data according to insurance rating variables processed by a processor programmed to underwrite an insurance product and rate that insurance product. Some samplers store the divided filter data in a local memory. A multiplier multiples rating factors preprogrammed with the insurance rating variables with a base rate of insurance to determine an insured's insurance premium.

Abstract: The disclosure herein provides systems, methods, and devices for generating recommendations of dynamic or unique items. A system for generating recommendations of unique items comprises a data collection engine, a scoring engine, a user penalty calculator, and a recommendation compilation engine, wherein the recommendation engine is configured to transmit to a user access point system a list of recommended alternative unique items predicted to be preferred by a user of the user access point system.

Abstract: A system and method for directing self-targeted advertising to users who are interested in receiving it. A user creates or adopts one or more personas that define a number of characteristics that the user has or wants to be associated with. The characteristics of the personas can be used by advertisers to define members of a target audience. Each persona included in a target audience has an address or identifier to which ads are sent. In one embodiment, users are shown a user interface screen with icons representing a number of brands. The user provides input that indicates whether they have different opinions of the brands. Based on the input received, an estimate is made of the likelihood that the user has a number of characteristics. In one embodiment, the user can arrange the icons representing the brands on the user interface screen to indicate if the user likes or dislikes the brand.

Abstract: A multivariate predictive system processes usage based data that includes a database engine that provides access to a plurality of database management systems that mine diverse sources of usage based data. A digital filter selectively filters data streams that include usage based data. A sampler automatically divides the filtered data into sample groups and stores the sample groups in a memory. The sampler divides the filtered data according to insurance rating variables processed by a processor programmed to underwrite an insurance product and rate that insurance product. Some samplers store the divided filter data in a local memory. A multiplier multiples rating factors preprogrammed with the insurance rating variables with a base rate of insurance to determine an insured's insurance premium.

Abstract: The disclosure herein provides systems, methods, and devices for generating recommendations of dynamic or unique items. A system for generating recommendations of unique items comprises a data collection engine, a scoring engine, a user penalty calculator, and a recommendation compilation engine, wherein the recommendation engine is configured to transmit to a user access point system a list of recommended alternative unique items predicted to be preferred by a user of the user access point system.

Abstract: A system and method for directing self-targeted advertising to users who are interested in receiving it. A user creates or adopts one or more personas that define a number of characteristics that the user has or wants to be associated with. The characteristics of the personas can be used by advertisers to define members of a target audience. Each persona included in a target audience has an address or identifier to which ads are sent. In one embodiment, users are shown a user interface screen with icons representing a number of brands. The user provides input that indicates whether they have different opinions of the brands. Based on the input received, an estimate is made of the likelihood that the user has a number of characteristics. In one embodiment, the user can arrange the icons representing the brands on the user interface screen to indicate if the user likes or dislikes the brand.

Abstract: A system and method for directing self-targeted advertising to users who are interested in receiving it. A user creates or adopts one or more personas that define a number of characteristics that the user has or wants to be associated with. The characteristics of the personas can be used by advertisers to define members of a target audience. Each persona included in a target audience has an address or identifier to which ads are sent. In one embodiment, users are shown a user interface screen with icons representing a number of brands. The user provides input that indicates whether they have different opinions of the brands. Based on the input received, an estimate is made of the likelihood that the user has a number of characteristics. The user can arrange the icons representing the brands on the user interface screen to indicate if the user likes or dislikes the brand.

Abstract: An input and processing system allows user input information such as user affinity to efficiently determine user characteristics from content as well as novel input of commands such as copy/paste on a small mobile device screen among other computing devices. A client/server is also made more efficient due to the enhanced gathering of information. Also disclosed is a system for rapid presentation of information such as barcodes at barcode scanners. A system can request multiple barcodes, coupons or the like by detecting a signal from a scanner that information presented has been read.

Abstract: An input and processing system allows user input information such as user affinity to efficiently determine user characteristics from content as well as novel input of commands such as copy/paste on a small mobile device screen among other computing devices. A client/server is also made more efficient due to the enhanced gathering of information. Also disclosed is a system for rapid presentation of information such as barcodes at barcode scanners. A system can request multiple barcodes, coupons or the like by detecting a signal from a scanner that information presented has been read.

Abstract: Methods and apparatuses for releasably attaching support members to microfeature workpieces to support members are disclosed herein. In one embodiment, for example, a method for processing a microfeature workpiece including a plurality of microelectronic dies comprises forming discrete blocks of material at a first side of a support member. The blocks are arranged on the support member in a predetermined pattern. The method also includes depositing an adhesive material into gaps between the individual blocks of material and placing a first side of the workpiece in contact with the adhesive material and/or the blocks. The method further includes cutting through a second side of the workpiece to singulate the dies and to expose at least a portion of the adhesive material in the gaps. The method then includes removing at least approximately all the adhesive material from the support member and/or the workpiece with a solvent.

Abstract: Redistribution layers for microfeature workpieces, and associated systems and methods are disclosed. One method for processing a microfeature workpiece system includes positioning a pre-formed redistribution layer as a unit proximate to and spaced apart from a microfeature workpiece having an operable microfeature device. The method can further include attaching the redistribution layer to the microfeature workpiece and electrically coupling the redistribution layer to the operable microfeature device.

Abstract: A method of making a semiconductor die includes forming a trench around a conductive stud extending from the first side to a second side of a substrate to expose a portion of the stud and then forming a conductive layer inside the trench and in electrical contact with the stud.

Abstract: Electronic devices may be provided that include radio-frequency transceiver circuitry and antennas. An antenna may be formed from an antenna resonating element and an antenna ground. The antenna resonating element may have a shorter portion that resonates at higher communications band frequencies and a longer portion that resonates at lower communications band frequencies. The resonating element may be formed from a peripheral conductive electronic device housing structure that is separated from the antenna ground by an opening. A parasitic monopole antenna resonating element or parasitic loop antenna resonating element may be located in the opening. Antenna tuning in the higher communications band may be implemented using an adjustable inductor in the parasitic element. Antenna tuning in the lower communications band may be implemented using an adjustable inductor that couples the antenna resonating element to the antenna ground.

Abstract: Redistribution layers for microfeature workpieces, and associated systems and methods are disclosed. One method for processing a microfeature workpiece system includes positioning a pre-formed redistribution layer as a unit proximate to and spaced apart from a microfeature workpiece having an operable microfeature device. The method can further include attaching the redistribution layer to the microfeature workpiece and electrically coupling the redistribution layer to the operable microfeature device.

Abstract: Electronic devices may be provided that include radio-frequency transceiver circuitry and antennas. An antenna may be formed from an antenna resonating element and an antenna ground. The antenna resonating element may have a shorter portion that resonates at higher communications band frequencies and a longer portion that resonates at lower communications band frequencies. An extended portion of the antenna ground may form an inverted-F antenna resonating element portion of the antenna resonating element. The antenna resonating element may be formed from a peripheral conductive electronic device housing structure that is separated from the antenna ground by an opening. A first antenna feed may be coupled between the peripheral conductive electronic device housing structures and the antenna ground across the opening. A second antenna feed may be coupled to the inverted-F antenna resonating element portion of the antenna resonating element.

Abstract: Redistribution layers for microfeature workpieces, and associated systems and methods are disclosed. One method for processing a microfeature workpiece system includes positioning a pre-formed redistribution layer as a unit proximate to and spaced apart from a microfeature workpiece having an operable microfeature device. The method can further include attaching the redistribution layer to the microfeature workpiece and electrically coupling the redistribution layer to the operable microfeature device.

Abstract: Electronic devices may include antenna structures. The antenna structures may form an antenna having first and second feeds at different locations. A first transceiver may be coupled to the first feed using a first circuit. A second transceiver may be coupled to the second feed using a second circuit. The first and second feeds may be isolated from each other using the first and second circuits. The second circuit may have a notch filter that isolates the second feed from the first feed at operating frequencies associated with the first transceiver. The first circuit may include an adjustable component such as an adjustable capacitor. The adjustable component may be placed in different states depending on the mode of operation of the second transceiver to ensure that the first feed is isolated from the second feed.

Abstract: Methods and apparatuses for releasably attaching support members to microfeature workpieces to support members are disclosed herein. In one embodiment, for example, a method for processing a microfeature workpiece including a plurality of microelectronic dies comprises forming discrete blocks of material at a first side of a support member. The blocks are arranged on the support member in a predetermined pattern. The method also includes depositing an adhesive material into gaps between the individual blocks of material and placing a first side of the workpiece in contact with the adhesive material and/or the blocks. The method further includes cutting through a second side of the workpiece to singulate the dies and to expose at least a portion of the adhesive material in the gaps. The method then includes removing at least approximately all the adhesive material from the support member and/or the workpiece with a solvent.

Abstract: Methods and apparatuses for releasably attaching support members to microfeature workpieces to support members are disclosed herein. In one embodiment, for example, a method for processing a microfeature workpiece including a plurality of microelectronic dies comprises forming discrete blocks of material at a first side of a support member. The blocks are arranged on the support member in a predetermined pattern. The method also includes depositing an adhesive material into gaps between the individual blocks of material and placing a first side of the workpiece in contact with the adhesive material and/or the blocks. The method further includes cutting through a second side of the workpiece to singulate the dies and to expose at least a portion of the adhesive material in the gaps. The method then includes removing at least approximately all the adhesive material from the support member and/or the workpiece with a solvent.