Abstract: A method of providing a user with education financing information, includes the acts of: maintaining an electronic site on a computer network to which the user may connect; sending data to the user over the network for presenting at least one electronic screen which contains financial award information concerning a potential student of an educational institution, the financial award information including a monetary award which may be used for the student to attend the educational institution; and sending data to the user over the network when requested for presenting at least one electronic screen which contains cost projection information, the cost projection information being a function of the award and including an amount of money required for the student to attend the educational institution.

Abstract: A system providing a comprehensive tool useful in credit risk managing a set of loans. The system includes a method for obtaining an estimated financial outcome, i.e., a gain or a loss, for a particular loan, and applying the estimated loss for to the set. The system also includes a method for obtaining a probability of a loss for a particular loan, and applying the probability of loss to the set. The system further includes the generation of a list of loans from the set of loans with a heightened risk of loss.

Abstract: A financial account that represents value is maintained on behalf of an account holder. The financial account has a plurality of account identifiers that enable a party that presents a debit account identifier to effect a debit transaction in the account, or a party that presents a general account identifier to effect both debit and credit transactions in the account. A third party is permitted to effect a credit transaction in the account by presenting a credit identifier, which is an identifier different from the debit or general account identifiers. The credit identifier is insufficient to enable a third party to effect a debit transaction in the account.

Abstract: A system and method for depositing salary payments directly into an account that is associated with at least one of a communications service and an Internet feature, such as auction, search, communication, hosting, social community, content aggregation, media downloading or streaming, whereafter the deposited money is available to be used in electronic commerce or to be otherwise withdrawn. The account may be maintained either by a communication service provider associated with the account or by a financial service provider (e.g., a bank) in partnership with a provider of communications and/or Internet services or with the ability to support such communications/Internet offerings.

Abstract: A smart card transaction allows a consumer to load value onto a smart card and to make purchases using a smart card with a mobile telephone handset over the telecommunications network. For loading, the system includes: a mobile telephone handset including a card reader; a gateway computer; a funds issuer computer; and an authentication computer. The mobile telephone handset receives a request from a user to load a value onto the smart card. The handset generates a funds request message which includes the value and sends the funds request message to a funds issuer computer. The funds issuer computer debits an account associated with the user. Next, the handset generates a load request message with a cryptographic signature and sends the load request message to an authentication computer which authenticates the smart card. The handset receives a response message which includes a cryptographic signature and an approval to load.

Abstract: A method for adjusting a demand deposit account. The method may comprise the step of structuring the demand deposit account with at least a first balance tier and a second balance tier. The methods may also comprise the steps of monitoring a balance of the demand deposit account, and accruing interest to at least a portion of the balance of the demand deposit account at an interest rate if the balance falls within the second balance tier. The interest rate may be tied to an interest rate of an investment account.

Abstract: Systems and methods are disclosed whereby credit and debit card transactions are processed at a merchant point-of-sale terminal in a manner that provides customers the opportunity to receive one or more charge enhancement offers which are presented to the customer on a printed record of charge. The charge enhancement offers may indicate either a reduction or an increase in the original purchase total. In a first embodiment, a customer may receive a discount toward a purchase total in exchange for supplying feedback to a merchant in the form of a survey or questionnaire presented on the record of charge. In a second embodiment, the customer is provided the opportunity to receive a discount toward a purchase total by enlisting a third-party service or to purchase a third-party product by completing a section provided on the record of charge. In a third embodiment, the customer may select from at least one additional charge displayed on a record of charge to be added to a transaction total.

Abstract: A transaction processing and authorization service. A transaction initiation message received from a source entity by the service may include one or more errors. The service may, in response to receiving an incorrect transaction initiation message, contact the source entity via a second communications channel and allow the source entity to correct the faulty transaction initiation message during the communication session. The service may allow the source entity to correct only incorrect or missing portions of the transaction initiation message, and thus the source entity may not be required to re-enter the entire message. Correction of the transaction initiation message may be performed as part of an authorization contact from the service to the source entity on a communications channel, and thus the correction may not require any extra communications attempts or sessions between the service and the source entity.

Abstract: Systems and methods of processing financial transaction information are provided. In one embodiment, a financial institution runs an index generating software program to generate a downloadable index of images of cleared checks. The account customer uses complementary software to remotely download, search, and display the index of cleared check images, together with the images themselves. In another embodiment, the financial institution periodically runs a software program to generate digital archives of the cleared check images for the account customer. The account customer is provided with secure online access to the digital archives. The account customer may use standard financial bookkeeping software to download and display the cleared check images and associate the cleared check images with transactions in the associated account registers.

Abstract: A method and system are described for completing and submitting an electronic voter registration form and an electronic ballot over a network. In accordance with exemplary embodiments of the present invention, a blank registration form is transmitted, upon request at a first computer, via a transaction mediator, to the first computer. Registration information is transmitted from the first computer, via a transaction mediator, to a computer database that resides on a transaction repository server, all of which are networked together, to establish a registered voter. Upon request by a registered voter at a second computer, a blank electronic ballot is transmitted from the computer database that resides on the transaction repository server, via a transaction mediator, to the second computer. A voted electronic ballot is transmitted from the second computer, via the transaction mediator, to the computer database that resides on the transaction repository server.

Abstract: The present invention is directed toward methods and systems for monitoring resource usage in an architecture where neither the resource buyer nor the resource seller can be trusted, and for rewarding benefits, compensation, or rewards based upon such monitored resource usage data. The system rewards users who offer to share the memory, storage, or bandwidth of their computing resource to third parties within a distributed network. In an exemplary embodiment, users share processing, storage, bandwidth or memory resources with third parties by permitting such third parties to access files stored in the memory of the users' computing devices. Users that offer files for upload are encouraged to register with a central authority, and receive value each time a third party accesses a resource from their computing devices. The value awarded to each such user is tracked by the central authority. They can use the value in exchange for products or services.

Abstract: Methods, apparatus, computer readable media, and signals for managing utility usage are disclosed. Generally, each involves receiving a representation of a utility service usage at a load, receiving and storing a usage range representation, and producing a control signal for use by a utility service interrupter, when the usage is outside of the usage range representation. The control signal is operable to cause the utility service interrupter to interrupt a supply of the utility service to the load. Each also involves receiving a control signal indicating that a usage of the utility service at the load is outside of a usage range representation, and interrupting the supply of the utility service to the load in response to the control signal. Systems and methods for monitoring subscriber usage of a utility service and for billing a subscriber for utility service usage are also disclosed.

Abstract: Techniques are described for facilitating interactions between computing systems, such as by performing transactions between parties that are automatically authorized via a third-party transaction authorization system. In some situations, the transactions are programmatic transactions involving the use of fee-based Web services by executing application programs, with the transaction authorization system authorizing and/or providing payments in accordance with private authorization instructions previously specified by the parties. The authorization instructions may include predefined instruction rule sets that regulate conditions under which a potential transaction can be authorized, with the instruction rule sets each referenced by an associated reference token.

Abstract: Techniques for managing files in a designated location are disclosed. An example of the designated location is a folder, a directory, a repository, a device, or a storage place. A set of access rules is applied to a designated location such that all files in the designated location shall have substantially similar security. As a result, secured files can be easily created and managed with respect to the designated location and users with access privilege to the designated location can access most of the files, in not all, in the designated location.

Abstract: A technique for accessing an electronic commerce service is provided in which information associated with a subscriber's account with an electronic commerce service is stored along with first subscriber credentials for that subscriber to access the services. An account is created during enrollment. The enrollment is associated with a first electronic commerce participant, i.e., a biller or a payee. A request for the subscriber to access an electronic commerce service in association with a second electronic commerce participant is received. Without the subscriber, or any other entity providing the credentials, the subscriber is granted access to the requested service utilizing the account established in association with the first participant. This access is granted based upon the subscriber providing information other than credentials, the provided information being information stored by the service provider in association with the enrollment.

Abstract: Methods and systems expeditiously identify a company's or other entity's assets that are in some proximity of an incident or event, such as an emergency or other crisis situation. Buildings can be identified within a stated distance and direction from the location of an event. Additionally, an estimated number of employees and contract resources can be determined. A stand-alone computing device can be used to derive the information if AC power or network activity is lost. The stand-alone computing device provides a self-contained platform for determining assets of an entity.

Abstract: A computer-implemented method for managing fuel costs, along with a corresponding apparatus, and a corresponding medium are described. The method includes receiving transaction information at a Network Administrator, the transaction information being associated with: (a) a shipper who has arranged for a shipment of goods from an origin to a destination; and (b) a corresponding carrier that has agreed to transport the shipment using a pre-determined maximum number of eligible units of fuel, where the fuel is purchased by the carrier at a pre-set base price per eligible unit, and where the fuel is purchased from pre-selected fueling locations. The maximum number of eligible units of fuel and the base price per eligible unit for the shipment are established between the shipper and the carrier, while the fueling locations are established by the Network Administrator. The actual price paid for the fuel is set by the market.

Abstract: In one embodiment, a computer system performs a method for verifying the validity or invalidity of a software routine by learning appropriate invariants at each program point. A computer system chooses an abstract domain that is sufficiently precise to express the appropriate invariants. The computer system associates an inconsistency measure with any two abstract elements of the abstract domain. The computer system searches for a set of local invariants configured to optimize a total inconsistency measure which includes a sum of local inconsistency measures. The computer system optimizes the total inconsistency measure for all input/output pairs of the software routine. In one embodiment, the optimization of total inconsistency is achieved by the computer system which repeatedly replaces a locally inconsistent invariant with a new invariant, randomly selected among the possible invariants which are locally less inconsistent with the current invariants at the neighboring program points.

Abstract: Methods, systems, and computer program products are provided for the online convex optimization problem, in which the decision maker has knowledge of the all past states and resulting cost functions for his previous choices and attempts to make a new choice that results in minimum regret. The method does not rely upon the structure of the cost function or the characterization of the states and takes advantage of the similarity between successive states to enable the method to converge to a reasonably optimal result.

Abstract: A method is provided for characterizing objects generated during an initial run of a program, each object being characterized by a number of alternative properties which can be chosen. The method includes steps of instrumenting an initial run of program to determine characterization information about each of objects, then determining a desirable property for each object, then determining a correlation between the desirable property and the characterization information for each of the objects. This correlation is then used to select a property for an object that is subsequently created during a run of the program based only upon characterization information about the subsequently created object.

Abstract: The invention involves generating and presenting, typically electronically, a number of design alternatives to persons who are participating in the design, selection, or market research exercise. The participants (referred to as “selectors”) transmit data indicative of their preferences among or between the presented design alternatives, and that data is used to derive a new generation of design alternatives or proposals. The new designs are generated through the use of a computer program exploiting a genetic or evolutionary computational technique. The process is repeated, typically for many iterations or cycles.

Abstract: Models are generated using a variety of tools and features of a model generation platform. For example, in connection with a project in which a user generates a predictive model based on historical data about a system being modeled, the user is provided through a graphical user interface a structured sequence of model generation activities to be followed, the sequence including dimension reduction, model generation, model process validation, and model re-generation. Historical multi-dimensional data is received representing multiple source variables to be used as an input to a predictive model of a commercial system and applying transformations to the data that are selected based on the strength of measurement represented by a variable; variables are transformed into new more predictive variables, including the Bayesian renormalization of sparsely sampled variable and including the imputation of missing values for categorical or continuous variables.

Abstract: The invention concerns a method and a device to determine a descriptor for a signal representing a multimedia item. The method comprises the step of applying to said signal a first bank of directional filters in order to obtain a first set of coefficients. According to the invention the method comprises the steps of: applying to said signal a second bank of filters in order to obtain a second set of coefficients representing the low-pass filtered signal, calculating a descriptor representing said multimedia element by making the difference between said first set of coefficients and said second set of coefficients and calculating associated power of said difference. Application to the classification and retrieval of multimedia items.

Abstract: A computer implemented method, apparatus, and computer program product for managing a lesson learned through a client application. A lesson learned is information describing a task associated with a project. A rating value for the lesson learned is identified using a predefined level matrix. A workflow notification process is generated to address the lesson learned using a notification manager. The lesson learned is monitored throughout the duration of a project.

Abstract: An off-line knowledge acquisition process takes IT resource messages and automatically generates a set of rules used to provide situation categories for the resource messages/events. The off-line knowledge acquisition process generates an event-to-situation mapping file for efficiently mapping situation to events in runtime. Rules are fed back into a knowledge repository and process for reuse. The off-line knowledge acquisition process provides methods to reiterate the process of mining (autonomically and/or by human interaction) to improve the rules and confidence level assigning the situation categories. A runtime categorizer component uses the event-to-situation mapping file to add situation categories to the IT resource events. The runtime categorizer uses a plurality of annotator components each capable of adding a situation annotation to incoming messages based on rules generated by the off-line knowledge acquisition process.

Abstract: A method, system, and computer program product for interactive searching with executable suggestions are provided. The present invention provides a search engine and data management technology that can understand what users are looking for, understand the data in a database, and present immediately useful suggestions for finding the right information. Executable suggestions are presented that enable a user to further narrow or broaden a search intelligently and adaptively in real-time. Each executable suggestion describes a search and corresponding search criteria and provides information on the actual search results a user will obtain according to this search criteria. In one embodiment of the present invention, a system has a suggestion engine and one or more suggestion spaces.

Abstract: A system and methods for enhanced search are enabled by archetypes that improve the relevancy of the search arguments utilized, as well as the search results received, in response to a query. The system in preferred embodiments applies archetypes to several points within the total search process. The system receives and evaluates a query, and in response to that query may generate additional suggested areas for investigation, as embodied in additional queries, knowledge constructs, or other data items. The system generates additional search arguments, which may be multiple, and may relate the search arguments in a search structure. The system in some embodiments applies archetypes to improve filtering, ranking or otherwise prioritizing search results. The system in some embodiments applies archetypes to format search results. The system may be used in conjunction with a system to facilitate user thinking about an arbitrary problem.

Abstract: A method, system, and apparatus are provided for maintaining user privacy in a knowledge interchange (“KI”) system. A user may provide privacy preferences relating to their participation in the KI system. The user may identify specific keywords, noun phrases, and contacts that should not be transmitted to a server computer. The user may also specify whether each keyword, noun phrase, or contact should be public or private. If a public keyword is identified during a search query as being associated with the user, the user's identity will be made available to a seeker If a private keyword is identified during a search query as being associated with the user, the user's identity will not be made available and a brokered communication process between the seeker and the user will be performed.

Abstract: Regular expressions used for searching for patterns in captured objects can be grouped into attributes. Such attributes can be associated with captured objects using tags stored in a database. In one embodiment, the present invention includes capturing an object being transmitted over a network, and determining that a regular expression appears in the object, the regular expression belonging to a group of one or more regular expressions associated with an attribute. If a regular expression associated with the attribute is found in the object, then an attribute field of a tag containing metadata related to the captured object is set to indicate the presence of the attribute in the captured object. The presence of the attribute in the captured object can now be determined from the tag, which can be stored in a database.

Abstract: Systems and methods for managing data, such as metadata. In one exemplary method, metadata from files created by several different software applications are captured, and the captured metadata is searched. The type of information in metadata for one type of file differs from the type of information in metadata for another type of file. Other methods are described and data processing systems and machine readable media are also described.

Abstract: A date querying system processes free-form text in documents to identify and locate some or all of the dates in the documents using extended regular expression matching to capture various date formats. The system packages a canonicalized format of each identified date to support various types of queries such as, for example, specific date querying, hierarchical date querying, range date querying, proximity queries comprising a date and any keywords, and any combination of types of queries. The system scans a document to identify the various format dates occurring in the document, disambiguates the resulting occurrences of dates, and canonicalizes the dates according to one or more predetermined formats.

Abstract: An affiliation manager provides each of typically hundreds of users with a calendar of appointments and a task list each including icons for capturing time and expenses accrued by the user when attending a particular appointment or performing a particular task. A subset of collected captured time and expenses may be transferred to each requesting client for use by independent accounting systems. Management of appointments and tasks from a central database promotes collaboration among users, simplifies sharing of schedule information among users, and provides context for data entry. Each user may create any number of affiliations, each affiliation describing affiliations of the user in numerous projects, organizations, employments, and activities. Each user may admit other users to share his or her affiliations, thereby promoting collaboration of many users for jointly attending meetings and jointly performing tasks.

Abstract: A computer system, including a memory a file system for managing files, a file system virtual memory interface for providing an interface between said memory and said file system, comprising a primary abstraction component and three sub-components supporting said primary abstraction component in said file system, wherein said primary abstraction component abstracts said memory for said file system, and a file system stackable storage access mechanism (SSAM) layer for providing an interface between said file system and a device, wherein said SSAM layer has first SSAM abstraction component and a second SSAM abstraction component and wherein said SSAM layer abstracts said device for said file systems.

Abstract: Techniques for memory management or analysis with conservative garbage collectors is provided. The native stack is analyzed during runtime to identify within frames references to objects in the heap space. An amount of memory is calculated that represents the memory implicated by the reference. A log can be generated that conveys the frame, location of the reference in the frame and amount of memory implicated by the reference.

Abstract: Open profile data in a user profile, e.g., free-form fields in a user profile, are processed to identify interests and preferences of the user. The interests and preferences are utilized to identify categories associated with the user profile, and content items, e.g., advertisements, can be identified based on the categories.

Abstract: Described is a method comprising initializing a first set of bits corresponding to a first plurality of predicate indices to a first value, and initializing a second set of bits corresponding to a second plurality of predicate indices to a second value. A subscription is processed. The subscription includes a plurality of subscription predicates, each of the subscription predicates associated with corresponding predicate indices in one of the first and second pluralities. An event is processed. The event includes an event predicate. When the event predicate matches a first predicate index in the first plurality, a first bit associated with the first predicate index is toggled to the second value. When the event predicate matches a second predicate index in the second plurality, a second bit associated with the second predicate index is toggled to the first value. When each bit associated with the corresponding predicate indices is the second value, the event is outputted to a source of the subscription.

Abstract: A system, method and computer readable medium that performs data analyses, such as economic forecasting, in accordance with the configured needs of one or more users. The system may maintain local information on which its various analyses are based, and may supplement or replace this local information with information retrieved from a remote data sources containing a desired type of data, such as time series data. Preferably, the system includes the ability to search for databases within an associated information network, such as the Internet. The system records information in an index about each database it finds, including whether the database contains data of a desired type. The particular type of data sought by the system depends upon configurable settings and relates to the type of analyses for which it has been configured. Thereafter, the system may use the index to retrieve data from many different databases when performing an analysis, relieving it from the need to store such data locally.

Abstract: Equipment failures are diagnosed using an integrated approach of case-based reasoning (CBR) and statistical reliability analysis. The method outputs a single list of suggested failed components, ranked by an overall probability of failure, and their associated past solutions from the case base. The overall probability of failure is calculated using the combined logic of case based reasoning and statistical reliability analysis. The method is typically used in a real-time decision support system to aid equipment diagnosis by a maintenance technician working in the field.

Abstract: A content enhancement system and method for increasing search engine visibility is disclosed. Landing web pages are optimized for relevant keywords and phrases associated with e-content publications such as articles, papers, reports, newsletters, etc. Landing web pages may be generated for portions of documents that are sold individually. Landing pages are generated using content description data (including keyword data) for each document portion or content section that will be the subject of a landing page. The content description data is stored in a database. A template defines the layout and appearance of the content description data that is used to generate each landing page. Each landing page includes an optional link to a product purchase page at the publisher's web site that allows a user to purchase the product described on the landing page. Search engines index each of the landing pages making it easier for web users to locate the publisher's products.

Abstract: The data processing system has an online transactional processing (OLTP) system for receiving of reporting data from work centers of a production line. The production line is logically divided into shop areas. At the exits of each shop area where an intermediate product is completed one reporting point serves as exit point in order to report the completion of an intermediate production step. This data is stored in the OLTP system and retrieved at a later point of time in order to generate a table containing aggregated intermediate product quantities per shop area. This table is transferred to a financial data server for calculation of the value of work in progress.

Abstract: A computer-readable medium to direct a computer to function in a specified manner includes executable instructions to construct a strategy map characterizing a presumed causal link between a first business metric and a second business metric. A first pattern within data associated with the first business metric is identified; a second pattern within data associated with the second business metric is located. Any relationship between the first pattern and the second pattern is specified.

Abstract: An Analysis Services server component that facilitates data mining using Analysis Services in a distributed environment is provided. The Analysis Services server component can be a component of a distributed Analysis Services system for distributed data mining. The distributed Analysis Services system can provide support for collaboration between multiple Analysis Services server components having similar models that can be shared for collaborative work. Data can be distributed to a plurality of Analysis Services server components so that multiple data mining models can be built on the server components based on certain parameters (e.g., number of servers to use, accuracy details etc. as algorithmic parameters). Based on that when a model is being processed, data can be shipped across multiple Analysis Services server components and multiple models can be built. During prediction these analysis services server components can collaborate between them to give the prediction results by different mechanisms.

Abstract: A source document set including one or more source documents to be migrated from a source application package to a destination application package can be analyzed for migration issues. The migration issues can be reported to a user and/or resolved prior to migration by software. Software can also be provided for the extraction of a source macro from a source document, parsing of the source macro, mapping of specific source APIs to destination APIs and the generation of destination macro code.

Abstract: A system for synchronization whereby metadata repository maintains information regarding the history and status of data items in a data repository. Data items are associated with states and such states changes (e.g. increment) in response to changes to the data items. History statements associated with the same states describe the changes in a generic enough fashion that multiple data items may be associated with a single state (e.g. if multiple data items share a common history such as that they were all edited by a user on the same device). The history repository is synchronized with other history repositories so as to reflect the states of data items on multiple devices. The synchronized history stores are used during synchronization to identify and resolve data conflicts through ancestry of data item history.

Abstract: A system and method for transforming data from a data source for use in a target application are disclosed. In one embodiment, a system includes a user interface and a global data flow model representing a process of moving the data from the data source to the target application. The system further includes a graphical view generator that generates a local view of at least a portion of the global data model for the use interface. The local view is configured for manipulation by a user of the user interface. The system further includes a transformation engine configured to integrate a manipulated local view into the global data flow model. In one method, receiving data from a data source is received, and one or more entities associated with the data are determined, where each entity defines a storage structure.

Abstract: A method of updating a database, including data records, to accord with an updated schema. The method includes obtaining, at a portable electronic device, the updated schema associated with the database. If a field is deleted in the updated schema, the data records are updated by deleting the field from each of the data records. An update command is transmitted from the portable electronic device for updating the database schema for a corresponding backup database at a server.

Abstract: A system and method are provided for redundant control plane error handling allowing the inactive control plane to continue to act as a redundant failsafe when the inactive control plane database is in a compromised state which is below a certain predetermined level of maximum tolerable magnitude of error. Only if the inactive control plane database is in a state in which the errors associated therewith are intolerable, is a hard reset performed, or the reconciliation between the active and inactive control planes deemed to have failed.

Abstract: This invention disclosed a system and method for resource based virtual communities. Any resources that can be shared or used by multiple people, including Internet resources, software or other resources can be the basis for the community, whose members are users of the resource. Web resources include web sites, web pages, news groups or discussion forums. Other types of resources include software products, bulletin boards, games or other products. The community composes of the current resource users such as web page readers, bulletin board posters, game players, software users. Whenever a person accesses or uses the resource, the user is automatically joined as part of the community. At the same time they are using the resource, they can access all services provide by the community, such as talking with other members, collaborating with others, publishing comments, or even adding new community services.

Abstract: A method and system for updating an archive of a computer file to reflect changes made to the file includes selecting one of a plurality of comparison methods as a preferred comparison method. The comparison methods include a first comparison method wherein the file is compared to an archive of the file and a second comparison method wherein a first set of tokens statistically representative of the file is computed and compared to a second set of tokens statistically representative of the archive of the file. The method further includes carrying out the preferred comparison method to generate indicia of differences between the file and the archive of the file for updating the archive of the file.

Abstract: Efficient evaluation of resource version history queries is enabled by using a data container storing records corresponding to links between successive versions of a resource. The records include: (a) a record identifier, (b) a predecessor identifier, (c) a successor identifier, (d) a predecessor rowset, which comprises the record identifier of each record in which the predecessor identifier in this record is the successor identifier, and (e) a successor rowset, which comprises the record identifier of each record in which the successor identifier in this record is the predecessor identifier. Depending on the nature of a request, a record is identified in which a particular version is identified by either the predecessor identifier or the successor identifier. Either the predecessor or successor rowsets are recursively read, while the predecessor or successor identifiers corresponding to each record read are added to a result set, thereby forming the ancestor or descendant version history.