Abstract: A local network call handling device is configured to establish multiple concurrent call sessions between local network end devices and an external network. When a prioritized end device attempts to establish a call session, the call handling device may initially determine if a first call session identifier is available. If so, the call session can be established using that first identifier. If the first identifier is in use for a call session of another end device, the call handling device may either use a different call session identifier for the prioritized end device session or may drop a pre-existing call session to free an identifier for use in connection with the prioritized end device.

Abstract: A particular method includes initiating outbound calls associated with at least two recipients that are to receive a notification message. The outbound calls include a first call to a first telephone address associated with a first recipient of the at least two recipients. The method further includes, in response to a determination that the first call is unanswered, initiating a second call to a second telephone address associated with the first recipient and initiating generation of an email message to an electronic mail address associated with the first recipient.

Abstract: Methods and apparatus to provide incentives to deflect callers to websites are disclosed. Example methods disclosed herein to deflect a caller to a webpage include receiving a call from the caller, offering an incentive to the caller to terminate the call and access the webpage, and providing an address of the webpage to the caller after the caller consents to terminate the call.

Abstract: Methods and apparatus to determine when to deflect callers to websites are disclosed. Example methods disclosed herein to deflect a caller to a webpage include receiving a call from the caller, determining a performance metric associated with processing the call, and determining whether to offer the caller an option to terminate the call and access the webpage based on the performance metric.

Abstract: Methods for providing remainder interests with protection to a seller and mitigation of the potential consequences suffered by related financial instruments. The protected remainder interest financial instrument includes submitting a seller to underwriting to accurately determine the seller's remaining life expectancy, and purchasing the protected remainder interest of an illiquid asset from the seller leaving the seller with a life estate. The method includes a client system for displaying information related to the transaction and inputting information related to the seller, illiquid asset, and the buyer. The client system is used to create a request to create the protected remainder interest. A server system accepts the request, stores the information in memory, and creates the protected remainder interest.

Abstract: A method and system for debt-to-asset-value balancing of a reverse mortgage benefiting both the lender and the borrower. Options and mechanisms are provided for equalizing borrower debt balance with appraised fixed assets of the reverse mortgage.

Abstract: A system and method are disclosed for providing a custom ring tone in connection with a call. In a particular embodiment, a method includes receiving, at a communication system, an indication to provide a customized ring tone associated with a call to a callee device. The method further includes delivering at least a portion of the customized ring tone to the callee device from the communication system when the callee device is determined to be operable to output the customized ring tone.

Abstract: There is provided a method for portfolio risk management. The method includes (a) updating a transaction database with data relating to an operation of an entity, (b) synchronizing a reporting database to the transaction database, where the synchronizing comprises copying the data from the transaction database to the reporting database, (c) receiving a request to prepare a report, (d) obtaining the data from the reporting database, (e) preparing the report from the data obtained from the reporting database, and (f) outputting the report to a user interface. There is also provided a system that performs a method, and a storage device that includes instructions that control a processor to perform the method.

Abstract: A device for detecting when a television is in a standby mode is provided. The device includes a housing and a plug receptacle is formed within a surface of the housing. Also, a plug extends from the housing. The device further includes a power detection circuit that detects when a television coupled to the device is in a standby mode. In a particular embodiment, the standby mode is a low power mode in which the television is not fully operational. Further, the device includes a cable that extends from the housing. A signal can be sent from the power detection circuit to a set top box via the cable. The signal indicates that the television is in the standby mode. An electrical cord from a television can be plugged into the plug receptacle and the plug that extends from the housing can be plugged into to a wall outlet.

Abstract: A particular method includes initiating outbound calls associated with at least two recipients that are to receive a notification message. The outbound calls include a first call to a first telephone address associated with a first recipient of the at least two recipients. The method further includes, in response to a determination that the first call is unanswered, initiating a second call to a second telephone address associated with the first recipient and initiating generation of an email message to an electronic mail address associated with the first recipient.

Abstract: A system and method are disclosed for providing a custom ring tone in connection with a call. In a particular embodiment, a method includes receiving, at a communication system, an indication to provide a customized ring tone associated with a call to a callee device. The method further includes delivering at least a portion of the customized ring tone to the callee device from the communication system when the callee device is determined to be operable to output the customized ring tone.

Abstract: A flexible, body attached device is disclosed for dispensing skin treatment and topically-absorbed medicinal treatments. The device comprises a dispensing reservoir that is caused to dispense treatment through a slit-based diaphragm valve upon the application of simple pressure to the device. Various embodiments of the invention include variations in the structure of the valve, reservoir, and body attachment.

Abstract: A system and method are disclosed for facilitating a custom ring in connection with a call. A ring tone delivery system may include an interface operable to receive a calling signal that indicates a request to place a call from a calling party to a communication device of a called party. The system may also include a network node communicatively coupled to the interface. The network node may be operable to determine whether the calling party is able to use a calling party selected ring tone. The network node may also be operable to determine whether the communication device will accept the calling party selected ring tone. The network node sends the calling party selected ring tone to the communication device when the calling party is able to use the calling party selected ring tone and when the communication device will accept the calling party selected ring tone.

Abstract: A method includes receiving a first identification signal, where the first identification signal corresponds to a first control. The method also includes determining an active device function to which the first control corresponds, where the active device function is a first function of a first device when the first device is active and where the active device function is a second function of a second device when the second device is active. The method also includes triggering emission of an audible signal identifying the active device function.

Abstract: The present invention provides isolated Elo1 and Mig3 nucleic acid sequences capable of conferring increased ethanol tolerance on recombinant yeast and methods of using same in biofuel production, particularly ethanol production. Methods of bioengineering yeast using the Elo1 and, or, Mig3 nucleic acid sequences are also provided.

Abstract: The present invention provides isolated Elo1 and Mig3 nucleic acid sequences capable of conferring increased ethanol tolerance on recombinant yeast and methods of using same in biofuel production, particularly ethanol production. Methods of bioengineering yeast using the Elo1 and, or, Mig3 nucleic acid sequences are also provided.

Abstract: A method for converting a first time and a first date in a first format to a second time in a second format includes determining a number of seconds that have elapsed between a predetermined date and a beginning of a current year of the first date. The method further includes adding to the determined number of seconds, a calculated number of seconds calculated from the beginning of the current year to a current month and a current day of the first date to obtain a first sum. The first sum varies based on whether the current month is within a leap year and is subsequent to a leap day of the leap year. A number of seconds that have elapsed between a beginning of the current day of the first date and the first time is added to the first sum. Lastly, a predetermined number of seconds is added to the first sum when Daylight Savings Time is in effect to obtain the second time in the second format.