Abstract: An exemplary aspect comprises a computer system with a receiving component that receives application information for an insurance policy that extends the term of an existing life insurance product, and is pre-paid for by a third party, the third party to be paid fees based on the customer's selection of one of a first option providing the customer with the right of first refusal to continue the insurance policy, and a second option providing the third party with the right of first refusal to continue the insurance policy; an underwriting component that determines whether the customer qualifies for the insurance policy; a pricing component that calculates the fees to be paid by the customer to the third party; and a closing component that provides relevant closing documentation for the insurance policy to at least the customer, the insurance company, and the third party.

Abstract: An exemplary aspect comprises a computer system with a receiving component that receives application information for an insurance policy that extends the term of an existing life insurance product, and is pre-paid for by a third party, the third party to be paid fees based on the customer's selection of one of a first option providing the customer with the right of first refusal to continue the insurance policy, and a second option providing the third party with the right of first refusal to continue the insurance policy; an underwriting component that determines whether the customer qualifies for the insurance policy; a pricing component that calculates the fees to be paid by the customer to the third party; and a closing component that provides relevant closing documentation for the insurance policy to at least the customer, the insurance company, and the third party.

Abstract: An exemplary aspect comprises a computer system with a receiving component that receives application information for an insurance policy that extends the term of an existing life insurance product, and is pre-paid for by a third party, the third party to be paid fees based on the customer's selection of one of a first option providing the customer with the right of first refusal to continue the insurance policy, and a second option providing the third party with the right of first refusal to continue the insurance policy; an underwriting component that determines whether the customer qualifies for the insurance policy; a pricing component that calculates the fees to be paid by the customer to the third party; and a closing component that provides relevant closing documentation for the insurance policy to at least the customer, the insurance company, and the third party.

Abstract: An exemplary aspect comprises a computer system with a receiving component that receives application information for an insurance policy that extends the term of an existing life insurance product, and is pre-paid for by a third party, the third party to be paid fees based on the customer's selection of one of a first option providing the customer with the right of first refusal to continue the insurance policy, and a second option providing the third party with the right of first refusal to continue the insurance policy; an underwriting component that determines whether the customer qualifies for the insurance policy; a pricing component that calculates the fees to be paid by the customer to the third party; and a closing component that provides relevant closing documentation for the insurance policy to at least the customer, the insurance company, and the third party.

Abstract: Systems and methods are disclosed for assessing risks that may be associated with an application and assessing controls that may be implemented to mitigate the risks associated with the application. The systems and methods may include identifying risk data that may be used at least partially to calculate a risk score. The systems and methods may also include identifying control data that may be used at least partially to calculate a control score. The risk score and the control score may be compared to one another. An assessment of the risks and controls application may be performed at least partially based on the risk score and the control score. A threshold value may be set for the risk score and/or the control score that are compared and used to assess an application.

Abstract: Multiple channels of audio are combined either to a monophonic composite signal or to multiple channels of audio along with related auxiliary information from which multiple channels of audio are reconstructed, including improved downmixing of multiple audio channels to a monophonic audio signal or to multiple audio channels and improved decorrelation of multiple audio channels derived from a monophonic audio channel or from multiple audio channels. Aspects of the disclosed invention are usable in audio encoders, decoders, encode/decode systems, downmixers, upmixers, and decorrelators.

Abstract: Multiple channels of audio are combined either to a monophonic composite signal or to multiple channels of audio along with related auxiliary information from which multiple channels of audio are reconstructed, including improved downmixing of multiple audio channels to a monophonic audio signal or to multiple audio channels and improved decorrelation of multiple audio channels derived from a monophonic audio channel or from multiple audio channels. Aspects of the disclosed invention are usable in audio encoders, decoders, encode/decode systems, downmixers, upmixers, and decorrelators.

Abstract: Using an M:N variable matrix, M audio input signals, each associated with a direction, are translated to N audio output signals, each associated with a direction, wherein N is larger than M, M is two or more and N is a positive integer equal to three or more. The variable matrix is controlled in response to measures of: (1) the relative levels of the input signals, and (2) the cross-correlation of the input signals so that a soundfield generated by the output signals has a compact sound image in the nominal ongoing primary direction of the input signals when the input signals are highly correlated, the image spreading from compact to broad as the correlation decreases and progressively splitting into multiple compact sound images, each in a direction associated with an input signal, as the correlation continues to decrease to highly uncorrelated.

Abstract: A hybrid stereophonic/monophonic audio signal encoding comprises generating, in response to a discrete two-channel stereophonic audio signal, an encoded hybrid stereophonic/monophonic audio signal in which the audio signal is a discrete two-channel audio signal below a frequency fm and a single-channel monophonic audio signal above the frequency fm, generating, in response to the discrete two-channel stereophonic audio signal, spatial parameter information characterizing the discrete two-channel stereophonic audio signal above the frequency fm, and combining the hybrid stereophonic/monophonic audio signal with said spatial parameter information in such a manner that the resulting signal is decodable both by a decoder configured to decode a discrete two-channel stereophonic audio signal encoded with the same encoding as applied to the hybrid stereophonic/monophonic audio signal and by a decoder configured to decode, with the use of the spatial parameter information, the hybrid stereophonic/monophonic audio sig

Abstract: A browser parses an XHTML document to identify links in the document that are marked up with the accesskey attribute and forms an options list containing the links, so that they can be selected independently of their position in the document.

Abstract: An apparatus for delivering web content to a mobile device may include a processor. The processor may be configured to determine whether a web page may be adapted or should be viewed in its original form, transcode the original web page to generate a transcoded version of the web page if it is determined that the web page may be adapted, and to send data comprising either the original web page of the transcoded version to a remote device. Users may request a different version than the processor's initial determination, and an aggregation of such user preferences may be used to make a better determination of what version to send by default to all users. Corresponding methods, computer program products, and systems are also provided.

Abstract: A system and method for smart, persistent cache management of received content within a terminal. Received content is tagged with cache directive allowing cache control to determine which of cache storage locations to use for storage of content. Cache control detects the number of instances that received content correlates to a newer version of purged content and provides the ability to re-classify cache persistence directive based upon the number of instances.

Abstract: A system and method for providing alternate rendering options to legacy browsing terminals is provided. A hosting server modifies existing markup content and provides links to the modified markup content within the frame currently rendered. Control link allows the small screen layout of frame to be rendered onto virtually any browsing terminal. Control link allows rendering of an original image from its corresponding small screen frame.

Abstract: A browser parses an XHTML document to identify, links in the document that are marked up with the accesskey attribute and forms an options list containing the links, so that they can be selected independently of their position in the document.

Abstract: A process for translating M audio input channels representing a soundfield to N audio output channels representing the same soundfield, wherein each channel is a single audio stream representing audio arriving from a direction, M and N are positive whole integers, and M is at least 2, generates one or more sets of output channels, each set having one or more output channels. Each set is associated with two or more spatially adjacent input channels and each output channel in a set is generated by a process that includes determining a measure of the correlation of the two or more input channels and the level interrelationships of the two or more input channels.

Abstract: A browser parses an XHTML document to identify links in the document that are marked up with the accesskey attribute and forms an options list containing the links, so that they can be selected independently of their position in the document.

Abstract: An audio crosstalk-cancelling network that may be implemented in software, such that when run in real time on a personal computer, the canceller has very low mips requirements and uses a small fraction of available CPU cycles. The network is particularly useful for rendering surround sound images outside the space between left and right computer multimedia loudspeakers when the audio from such sources is reproduced. The network includes two signal feedback paths, each feedback path having a time delay and frequency dependent characteristic. The frequency dependent characteristic represents the smoothed difference in the attenuation in the acoustic path between a transducer and the listener's ear farthest from said transducer and the attenuation in the acoustic path between the same transducer and the listener's ear closest to said same transducer. The smoothed difference in the attenuation is implemented by one or more simple digital filters requiring low processing power.

Abstract: Any of several information processing techniques may be used in various information storage and transmission applications to prevent the occurrence of certain “forbidden” bit patterns. According to an encoding technique, a reversible coding process is used to generate an encoded representation of an information stream that cannot contain any forbidden data patterns. This may be accomplished by partitioning the information stream into segments and encoding each segment according to a respective encoding key that is selected such that the results of the coding process cannot contain a forbidden data pattern. According to one substitution technique, all occurrences of forbidden data patterns are replaced with permissible data patterns that do not otherwise occur in the information stream.

Abstract: In an encoder, multiple channels of audio information representing multidimensional sound fields are split into subband signals and the subband signals in one or more subbands are combined to form composite signals. The composite signals, the subband signals not combined into a composite signal and information describing the spectral levels of subband signals combined into composite signals are assembled into an encoded output signal. The spectral level information conveys either the amplitude or power of the combined subband signals or the apparent direction of the sound field represented by the combined subband signals. In digital implementations, adaptive bit allocation may be used to reduce the informational requirements of the encoded signal.

Abstract: In an encoder, multiple channels of audio information representing multidimensional sound fields are split into subband signals and the subband signals in one or more subbands are combined to form composite signals. The composite signals, the subband signals not combined into a composite signal and information describing the spectral levels of subband signals combined into composite signals are assembled into an encoded output signal. The spectral level information conveys either the amplitude or power of the combined subband signals or the apparent direction of the sound field represented by the combined subband signals. In digital implementations, adaptive bit allocation may be used to reduce the informational requirements of the encoded signal.