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87results about How to "Informed decision" patented technology

Method and system for conducting sentiment analysis for securities research

A computer system performs financial analysis on one or more financial entities, which may be corporations, securities, etc., based on the sentiment expressed about the one or more financial entities within raw textual data stored in one or more electronic data sources containing information or text related to one or more financial entities. The computer system includes a content mining search agent that identifies one or more words or phrases within raw textual data in the data sources using natural language processing to identify relevant raw textual data related to the one or more financial entities, a sentiment analyzer that analyzes the relevant raw textual data to determine the nature or the strength of the sentiment expressed about the one or more financial entities within the relevant raw textual data and that assigns a value to the nature or strength of the sentiment expressed about the one or more financial entities within the relevant raw textual data, and a user interface program that controls the content mining search agent and the sentiment analyzer and that displays, to a user, the values of the nature or strength of the sentiment expressed about the one or more financial entities within the data sources. This computer system enables a user to make better decisions regarding whether or not to purchase or invest in the one or more financial entities.
Owner:AIM HLDG LLC

Method and system for facilitating electronic dispute resolution

A system for facilitating payment transaction disputes is provided. According to one aspect of the system, a user, such as an issuer, is allowed to use the system to resolve a disputed transaction. Based on information provided by a cardholder, the issuer is able to use the system to retrieve transactional information relating to the disputed transaction reported by the customer for review. When the issuer uses the system to retrieve information relating to the disputed transaction, a case folder is created. The case folder is a repository for storing all the relevant information and documentation relating to the disputed transaction. Using the information retrieved by the system, the issuer then determines whether to initiate a dispute. Alternatively, the system can also be used by an acquirer to respond to a dispute, usually on behalf of one of its merchant. If a dispute is responded to, a questionnaire is then created by the system. Alternatively, the issuer may decline to initiate a dispute and either seek additional information from the cardholder or deny the cardholder's inquiry. The case folder and the questionnaire are created for a specific disputed transaction. The questionnaire is designed to capture information from the cardholder and/or the issuer relating to the disputed transaction. The questionnaire may be pre-populated with previously retrieved transactional information which is stored in the case folder. Relevant documents in support of the disputed transaction may also be attached as part of the questionnaire. Various parties to the dispute may then provide relevant information (including supporting documentation) to the system. The relevant information provided by the parties is maintained in the case folder. The system then keeps track of the relevant timeframes for the case folder to ensure that each party to the dispute is given the correct period of time to respond during the processing of a dispute. Prior to filing the dispute for arbitration or compliance, the system permits the parties to resolve the dispute amongst themselves without the help of an arbiter through pre-arbitration and pre-compliance. If the parties to the dispute are unable to resolve the dispute on their own, the system also permits the parties to resolve the dispute via arbitration or compliance with the help of an arbiter. The system provides the arbiter with access to the case folder to allow the arbiter to render an informed decision on the dispute.
Owner:VISA USA INC (US)

Power Monitoring and Analysis System for Identifying and Tracking Individual Electrical Devices

The invention is a method for measuring and processing a plurality of electrical parameters of a common alternating current (AC) service that supplies multiple different electrical devices such that the power use rate and total power used by each of multiple devices is determined. Sensors provide high resolution signals corresponding to the current and voltage of the AC power supplied to the service panel typical of those used in residential construction. Analog-to-digital conversion and processing circuits determine multiple electrical parameters with high resolution at a sampling rate sufficient to determine the electrical parameters for approximately each AC cycle. The electrical parameters are stored as a large data set in a memory with sufficient capacity to store several months of electrical parameters representing each AC cycle. The data set is processed to extract complete on-off cycles of the devices. The on-off cycles are represented by instance structures. The characteristics of the instance structures are used to determine device structures. Each device structure characterizes one of the multiple devices. The contributions associated with the extracted instance structures are subtracted from the data set, making is possible to extract additional instance structures from the residual information in the data set. Information from the device structures are used to help extract instances structures that are partially obscured by overlapping instance structures. The newly extracted instances structures are subtracted from the data set and processing continues until no more instance structures can be extracted. Information from the extracted instance structures and device structures are further grouped and processed to provide useful information reports to a consumer. As the electrical parameters are determined and added to the data set, they can be incrementally processed so that near real time information can be provided to the consumer. The cost of operating each device and other information enables the consumer to make informed decision regarding energy use and conservation.
Owner:VERLITICS
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