89results about How to "Informed decision" patented technology

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.

A system with automatic control of local generation, consumption, storage, buying, and selling of electrical energy is provided. This automation can be governed by optimization criteria and policies established by the administrative entity responsible for the domain benefiting from this invention. The control method, using a data processing computer, implements the optimization criteria and provides near real time directives for the system. The control program estimates energy generation and consumption, monitors voltage and power levels, configures the power circuit and adjusts device specific controls over a network. Depending on a specific situation, the control program can continue to store extra energy, sell energy for a financial gain, maximize sustainable generation to meet social obligations, or increase consumption for extra comfort. This control program optimizes on multiple time granularities under a variable pricing scheme and environmental conditions, with related information including weather forecasts accessed over the Internet.

A system for providing real-time risk mitigation for an authorization system. The system receives authorization requests from multiple merchants (or their respective acquirers) and processes such requests. Each processed request is then forwarded to its corresponding issuer for further authorization. Each processed request includes an authorization message. The authorization message can include a risk score, a number of reason codes, and a number of condition codes. The use of the risk score, reason codes and condition codes allows issuers to make better informed decisions with respect to providing authorizations.

The invention is directed to techniques in a computer, for processing a content request. In one arrangement a content engine receives a content request from a client, generates a result based on the content request, the result including one of a content-providing value and a redirection value in response to the content request, and selectively provides, to the client, one of (i) content when the result includes the content-providing value, and (ii) a redirection message when the result includes the redirection value, the redirection message including an extended domain name having a client identifier which identifies the client.The result can be used by a content router or content engine in deciding whether to provide content or a redirection. The decision to selectively provide can be based on client proximity to the content engines, past redirections, content size and type, content engine capacity, content availability and other factors.

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.

A knowledge management system and methods for crude oil refining are provided. The knowledge management system and methods enable information, such as crude oil characterizations, the experiences of processing crude oils in the refinery, problems encountered during the processing of crude oil in the refinery, and the treatments applied by personnel of the refinery to counteract those problems, to be captured, organized, and disseminated. The knowledge management system and methods for crude oil refining further provide a basis for running analytical models and other decision support applications to assess risks and financial impacts; thus, allowing users to make informed decisions for crude selection and treatment planning.

An index for an item in a computer implemented merchandising system is computed as a function of objective data, e.g., transaction data, and subjective data, e.g., customer satisfaction ratings or reviews. The index may be extended with other data, including revenue, returns, refunds, discontinuations, and interactive shopping data. The index may further be weighted using a variety of weight factors for different components of the subjective and objective data. A display of the index places customer satisfaction data in the context of transaction data. The index may be used to provide prospective customers with a more balanced picture of consumer satisfaction than can be provided from customer satisfaction data alone, including prospective purchase comparisons and desirability.

A method for authorising return of a purchase by a customer to a merchant by an interaction of a customer chip card upon which a customer transaction history is stored and a merchant POS terminal upon which predetermined data is stored, the method comprising the steps of, (a) reading at least part of the customer transaction history from the customer chip card, (b) comparing the part of the customer transaction history read from the customer chip card with the predetermined data, and (c) issuing to the merchant a message from the POS terminal based upon the outcome of the comparison.

A system for providing real-time risk mitigation for an authorization system. The system receives authorization requests from multiple merchants (or their respective acquirers) and processes such requests. Each processed request is then forwarded to its corresponding issuer for further authorization. Each processed request includes an authorization message. The authorization message can include a risk score, a number of reason codes, and a number of condition codes. The use of the risk score, reason codes and condition codes allows issuers to make better informed decisions with respect to providing authorizations.

Methods and system for managing demand for an object includes capturing information about the object through a mobile device associated with a user. The mobile device is configured to capture information about the object that include one or more of a spatial, temporal, topical and social attributes of the object. The identity of the object is verified and validated using this metadata captured by the user through the device from the real world object or its proxy. Upon successful verification and validation, the object and its metadata are automatically added to a wish list of the user. An aggregate list is generated using the attributes and metadata of the object from a plurality of users. The aggregate list defines a source of demand for the object. The object is tracked as it progresses through various phases of ownership cycle using dynamic demand calculations based on the information associated with the objects, the users and the aggregate lists.

A user-configurable (and re-configurable), multi-sensor system for remote monitoring and surveillance applications. A portable-reconfigurable-sensor (PRS) based monitoring platform may be able to withstand environmental, chemical, biological, or fungal attacks and may be deployed (e.g., as a projectile) using a multitude of techniques. The PRS platform may include a multitude of sensors, a computing unit, a power supply, and other circuit elements embedded in a shell or a case of a hard material so as to result in a robust structure that is rugged enough to withstand a wide range of environments. The computing unit may work with various different types of sensors depending on the desired application. Information collected by the sensors in the PRS platform may be initially processed by the on-board computing unit and then sent to a remote user for additional processing and analysis.

A system and method facilitating the management of current and prospective customers and customer information is provided. The invention includes an aggregation system adapted to provide management and generation of current and prospective customers. The invention further provides management of current and prospective customer information. Additionally, the aggregation system provides for generating advertisements based at least in part upon market information. Finally, the present invention also includes a printstream aggregation method facilitating the printing of print orders.

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.

A user is able to informatively control how contact information is provided to one or more applications through the use of a persona interface object, corresponding personas and contact information, and an information picker interface. The persona interface identifies available personas, each persona having different contact information. The user can select a persona to use in response to an applications request for information. The personas can be modified and developed through the information picker interface, which can also be used to inform the user about what information is being requested and how it will be used.

A system and method for providing a virtual knowledge marketplace in the form of an Internet-based on-demand commercial exchange for professional knowledge and services. In one embodiment, the Knowledge Marketplace System is a networked computer system comprising a computerized data processing and communication network operative to exchange data. The system includes a plurality of networked servers including a web applications server which provides an interface portal for Knowledge Consumers and Knowledge Producers to access the system and exchange information. In one embodiment, the system is operative to both receive, organize, and store knowledge content in information packets created by Knowledge Producers in a database, and further operative in turn to enable Knowledge Consumers to search or browse for knowledge content and then purchase the content for viewing at a predetermined price. In one embodiment, the system provides a subscription service enabling Knowledge Consumers to purchase viewing rights to entire topical categories of knowledge content. The system is further operative to financially compensate Knowledge Producers based on the number of times their own knowledge content is purchased by Knowledge Consumers.

An information display for a vehicle includes an indicator arrangement having a visual display configured to provide driver demand information to a vehicle driver. The visual display includes a dynamic target range for operating the vehicle, which includes a first boundary and a second boundary indicating a driver demand that would cause the engine to start. A control system includes at least one controller, and is configured to receive at least one input related to current operating conditions of the vehicle and to provide at least one output to the indicator arrangement to position the target range on the visual display and to indicate to the driver a current level of driver demand. In this way, the visual display indicates to the driver the current level of driver demand relative to the position of the target range.

A system for providing real-time risk mitigation for an authorization system. The system receives authorization requests from multiple merchants (or their respective acquirers) and processes such requests. Each processed request is then forwarded to its corresponding issuer for further authorization. Each processed request includes an authorization message. The authorization message can include a risk score, a number of reason codes, and a number of condition codes. The use of the risk score, reason codes and condition codes allows issuers to make better informed decisions with respect to providing authorizations.

A system and method facilitating the management of current and prospective customers and customer information is provided. The invention includes an aggregation system adapted to provide management and generation of current and prospective customers. The invention further provides management of current and prospective customer information. Additionally, the aggregation system provides for generating advertisements based at least in part upon market information. Finally, the present invention also includes a printstream aggregation method facilitating the printing of print orders.

A system and method for calculating and communicating personalized product environmental information to users at the point of purchase, for accounting for pollution resulting from raw material production, manufacture, use disposal and packaging of the purchased product and for accounting for price surcharges paid by the purchaser. In a preferred embodiment, the user can scan a Universal Product Code on a product label using a handheld computer with a bar code reader and view personalized product information and ratings on the handheld computer. In another preferred embodiment, the information can be viewed on a desktop computer when purchasing online over a network. Preferably, individual pollution and price surcharge accounts are maintained for each user based on purchases, allowing for price surcharges and non-profit donations to be collected based on product lifecycle pollution quantities.

An information display for a vehicle includes an indicator arrangement having a visual display configured to provide driver demand information to a vehicle driver. The visual display includes a dynamic target range for operating the vehicle, which includes a first boundary and a second boundary indicating a driver demand that would cause the engine to start. A control system includes at least one controller, and is configured to receive at least one input related to current operating conditions of the vehicle and to provide at least one output to the indicator arrangement to position the target range on the visual display and to indicate to the driver a current level of driver demand. In this way, the visual display indicates to the driver the current level of driver demand relative to the position of the target range.

A method for optimizing insurance estimates utilizing Monte Carlo simulation includes the steps of ascertaining the total number of potential insured units and obtaining a quote for full insurance based on the total number of potential insured units. The method further includes creating a model of total costs of self insurance for the potential insured units, obtaining data distributions for all variables in the model of total costs of self insurance and running a Monte Carlo simulation on the model a preselected number of iterations. A range of range of possible total costs of self-insurance and the probabilities of such costs is then obtained facilitating a selection between full insurance and self-insurance.

A multiple criteria buying and selling system and method is provided. A seller initially establishes a deal structure for a product, which provides seller defined selling criteria information relating to the purchasing of the product, such as volume per unit price, quality, delivery time and warranty information. A buyer will be able to review a list of deals if the seller's selling criteria matches a buyer defined buying criteria. The deal structure is preferably set up so as to provide buyers with both price and non-price criteria information that the buyer's would consider important in a purchase of the type of product being offered by the seller. The deal structure is electronically made available to potential buyers of the product. For example, the deal structure may be displayed on an Internet site.

A navigation system for mobile use includes street map data used for creating a dynamic map display tracking movement of the vehicle and includes crime data used to provide an overlay on the dynamic display indicating a risk of crime to the vehicle's occupants from the surrounding area. Crime data may be harvested from police websites and / or generated using statistical correlation techniques from other proxy information. Presented crime data indicate crime risk, type of crime, crime date or time of occurrence, and linkage to environmental conditions such as type of weather, temperature, and moonlight.

A computer program and method is provided that enables professional advisors, as well as individuals, to improve their understanding of the risks associated with long-term health care in effort to make informed decisions regarding long-term care insurance. The computer program and method projects an economic impact of long-term care costs on personal assets of an estate based upon a hypothetical fact scenario. In one aspect of the invention, tax consequences and other costs associated with the liquidation and sale of personal assets to pay long-term care costs are included in the determination of the economic impact. In another aspect of the invention, the computer program and method simultaneously determines both an insured hypothetical economic impact and an uninsured hypothetical economic impact on personal assets for any given hypothetical fact scenario. In yet another aspect of the invention, the economic impact is determined as a function of time.

A multiple criteria buying and selling system and method is provided. A seller initially establishes a deal structure for a product, which provides seller defined selling criteria information relating to the purchasing of the product, such as volume per unit price, quality, delivery time and warranty information. A buyer will be able to review a list of deals if the seller's selling criteria matches a buyer defined buying criteria. The deal structure is preferably set up so as to provide buyers with both price and non-price criteria information that the buyer's would consider important in a purchase of the type of product being offered by the seller. The deal structure is electronically made available to potential buyers of the product. For example, the deal structure may be displayed on an Internet site.

A user is able to informatively control how contact information is provided to one or more applications through the use of a persona interface object, corresponding personas and contact information, and an information picker interface. The persona interface identifies available personas, each persona having different contact information. The user can select a persona to use in response to an applications request for information. The personas can be modified and developed through the information picker interface, which can also be used to inform the user about what information is being requested and how it will be used.

A multiple criteria buying and selling system and method is provided. A seller initially establishes a deal structure for a product, which provides seller defined selling criteria information relating to the purchasing of the product, such as volume per unit price, quality, delivery time and warranty information. A buyer will be able to review a list of deals if the seller's selling criteria matches a buyer defined buying criteria. The deal structure is preferably set up so as to provide buyers with both price and non-price criteria information that the buyer's would consider important in a purchase of the type of product being offered by the seller. The deal structure is electronically made available to potential buyers of the product. For example, the deal structure may be displayed on an Internet site.

Systems, apparatus, and computer program products are provided for security-monitoring at a place of business by automatically determining which individuals within a business location, such as a retail store, banking center or the like, are established customers of the business. Such a determination of established customer status is conducted without requiring any action on behalf of the individuals / customers and may be accomplished proximate in time to the individuals arriving at the business location. Once the established customers have been determined, the present invention provides for attaching customer identifiers to the established customers appearing within a live video stream displayed by the security-monitoring system to thereby create an augmented reality environment within the display.