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System and method for multi-dimensional risk analysis

IPC분류정보
국가/구분 United States(US) Patent 등록
국제특허분류(IPC7판)
  • G06F-007/00
  • G06F-017/30
출원번호 UP-0100841 (2005-04-07)
등록번호 US-7756896 (2010-08-02)
발명자 / 주소
  • Feingold, Vincent
출원인 / 주소
  • JP Morgan Chase Bank
대리인 / 주소
    Lowenstein Sandler PC
인용정보 피인용 횟수 : 40  인용 특허 : 649

초록

A risk analysis method uses a multi-dimensional risk representation that allows a standard OLAP engine to perform analysis on multi-dimensional data corresponding to a portfolio of financial positions. The analysis includes context-dependent, heterogeneous aggregation functions. The multi-dimensiona

대표청구항

What is claimed is: 1. A method of representing a portfolio of financial positions on which a risk analysis is to be performed, comprising the steps of: constructing an outer cube representing the portfolio of financial positions as a multi-layered multi-dimensional cube that includes cells and dim

이 특허에 인용된 특허 (649)

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  209. Rovin George H. (Ojai Valley School ; 723 El Paseo Rd. Ojai CA 93023), IC card system with removable IC modules.
  210. Suto Shin-ichi (Tokyo JPX) Okada Toshihiko (Tokyo JPX), IC card with display and card recording and reading device.
  211. Hiramatsu Kenichi (Kawasaki JPX), IC card with individual authentication function.
  212. Maloney Raymond ; Holtz Charles ; Alzona Conrad, Identification verification apparatus and method.
  213. Ando,Hironori, Image forming apparatus.
  214. Harada Hisayuki (Tokyo JPX) Tomita Toshitsugu (Tokyo JPX), Image storing managing apparatus and method for retreiving and displaying merchandise and customer specific sales inform.
  215. Stephen J. Borza CA, Imaging device, especially for optical fingerprinting.
  216. Speakman Sheree Teresa ; May Jay Frank, In$ite: a finance analysis model for education.
  217. Dickson, Timothy E.; Marion, Kenneth O., In-vehicle ordering.
  218. Sumner Roy L. (Vienna VA), In-vehicle traffic congestion information system.
  219. Sutter Herbert P.,CAX, Independent distributed database system.
  220. Reilly James P. ; Hassett Gregory P., Information and advertising distribution system and method.
  221. Harper Lloyd ; Labrie Jacques, Information catalog system with object-dependent functionality.
  222. Manabe Toshiyuki (Tokyo JPX) Murakami Osamu (Tokyo JPX) Takeuchi Keiichi (Hiratsuka JPX) Matsuura Junichi (Tokyo JPX), Information collecting and/or service furnishing systems by which a user can request information from a central data bas.
  223. Davis Terry L. (Scottsdale AZ) Hart James A. (Radnor PA) Russell James F. (Hockessin DE) Sears John W. (Peoria AZ) Trice Philip H. (Phoenix AZ), Information consolidation within a transaction network.
  224. Hotta Yoshihiko,JPX ; Yoshino Masaki,JPX ; Mori Makoto,JPX ; Suzuki Kazumi,JPX ; Suzuki Akira,JPX, Information display method.
  225. Ruffin, Michael; Temple, III, Joseph L.; Ordonez, Carlos A.; Yan, Eva L.; Preston, Allen H.; Morrison, Timothy I., Information technology project assessment method, system and program product.
  226. Luu, Lu Vinh, Integrated circuit card with multiple integral electronic modules.
  227. McCoy Randal A. (Sugar Hill GA) Kennedy Beverly (Alpharetta GA), Integrated decision management system.
  228. Bosco James J. (Newington CT) Annis David H. (Weatogue CT) Prouty Kathleen M. (Granville MA), Integrated group insurance information processing and reporting system based upon an enterprise-wide data structure.
  229. Kenna Janine S. ; Butler Patrick B.,GBX ; Musmanno Thomas ; Ur Kelly, Integrated nested account financial system with medical savings subaccount.
  230. Donner Irah H., Intellectual property audit system.
  231. Eric W. Doerr ; Robert A. Cape ; Christopher K. Brownell ; Stephen N. Cole ; Jan T. Miksovsky, Intelligent advisor system and method.
  232. Lessin Arlen R. (New York NY) Gruppuso Frank M. (Commack NY) Harrison Shelley A. (Dix Hills NY), Intelligent portable interactive personal data system.
  233. Stefik Mark J. (Woodside CA) Bobrow Daniel G. (Palo Alto CA) Card Stuart K. (Los Altos CA) Casey Michalene M. (Morgan Hill CA) Goldstein Richard J. (San Francisco CA) Lamming Michael G. (Cambridge CA, Interactive contents revealing storage device.
  234. Bose Supratik ; Plucinski Tomasz Marek, Interactive method for operating a computer so as to graphically display the results of a computation.
  235. Clark Barry Alan ; D'Onofrio John, Interface device for electronically integrating global financial services.
  236. Kalina Dyan T., Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle.
  237. Minkus, Morton; Drower, Herbert M., Lamination product and method employing temporary transfer film.
  238. Dykstra Diana R. (Herald CA) Wade Patricia M. (Meadow Vista CA), Lender direct credit evaluation and loan processing system.
  239. Sexton Frank M. ; Burkhalter Swinton B., Life insurance method, and system.
  240. Epstein Arthur J. ; Wang Yunzhang, Light-emitting devices containing network electrode polymers in electron blocking layer.
  241. Mershon,Randolph J., Magnetic, sandwich-type bookmark.
  242. Darjany John C. (Signal Hill CA), Magnetic-type information card and method and apparatus for encoding and reading.
  243. Johnson Tod (Scarsdale NY) Tarshis Andrew (New York NY) Goldberg George (Great Neck NY), Market survey data collection method.
  244. Daniel ; Jr. James N. (Northfield IL) Busyn Thomas F. (Wilmette IL) Batterman Brent T. (Gurney IL), Marketing research system and method for obtaining retail data on a real time basis.
  245. Tallman Joseph P. ; Snowden Elizabeth M. ; Wolcott Barry W., Medical network management system and process.
  246. Walker Jay S. ; Schneier Bruce ; Jorasch James A., Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven cond.
  247. Tortolani Thomas R. ; Nouri Koorosh M., Method and apparatus for accessing multidimensional data.
  248. Lent Jeremy R. ; Lent Mary ; Meeks Eric R. ; Cai Yinzi ; Coltrell Timothy J. ; Dowhan David W., Method and apparatus for an account level offer of credit and real time balance transfer.
  249. Jay S. Walker ; James A. Jorasch, Method and apparatus for awarding and redeeming prepaid telephone time.
  250. Bartoli Paul D. ; Griesmer Stephen J. ; Lidor Gideon ; Ronen Yzhak ; Tessier Jean, Method and apparatus for billing for transactions conducted over the internet.
  251. Beizer Mordechai M. (New York NY), Method and apparatus for converting documents into electronic data for transaction processing.
  252. Fajkowski Peter W., Method and apparatus for coupon management and redemption.
  253. Abu El Ata Nabil A., Method and apparatus for designing and analyzing information systems using multi-layer mathematical models.
  254. McCauley John J. ; Comeau Phillip E. ; Vella John A. ; Botkin Elizabeth M. ; Lewis Nicole, Method and apparatus for determining an optimal investment plan for distressed residential real estate loans.
  255. Off George W. (Huntington Beach CA) Scroggie Michael C. (Valencia CA) Mindrum Thomas L. (Fairfield CT) O\Brien Michael R. (Santa Monica CA), Method and apparatus for dispensing discount coupons.
  256. Levine Jack (Agoura Hills CA) Brandt Priscilla C. (San Mateo CA) Jackson Nydia (Redwood City CA) Johnson David L. (Woodside CA) Clark Helen (Mill Valley CA), Method and apparatus for distributing currency.
  257. Levine Jack ; Brandt Priscilla C. ; Jackson Nydia ; Johnson David L. ; Clark Helen, Method and apparatus for distributing currency.
  258. Levine Jack ; Brandt Priscilla C. ; Jackson Nydia ; Johnson David L. ; Clark Helen, Method and apparatus for distributing currency.
  259. Levine, Jack; Brandt, Priscilla C.; Jackson, Nydia; Johnson, David L.; Clark, Helen, Method and apparatus for distributing currency.
  260. Polk, John, Method and apparatus for electronic collection, translation, grouping and delivery of wage assignment information.
  261. Polk,John, Method and apparatus for electronic collection, translation, grouping, and delivery of wage assignment information.
  262. Owens Clifford J. (Carlsbad CA) Rutledge Thomas L. (Leucadia CA), Method and apparatus for electronic image processing of documents for accounting purposes.
  263. Wallman, Steven M. H., Method and apparatus for enabling individual or smaller investors or others to create and manage a portfolio of securities or other assets or liabilities on a cost effective basis.
  264. Wallman Steven M.H., Method and apparatus for enabling small investors with a portfolio of securities to manage taxable events within the portfolio.
  265. Fitzgerald Joseph Michael, Method and apparatus for estimating durations of activities in forming a current system, based on past durations of acti.
  266. DeTore Arthur W. (Fort Wayne IN) Suever Russell D. (Fort Wayne IN) Jones ; Jr. David W. (Fort Wayne IN), Method and apparatus for evaluating a potentially insurable risk.
  267. Alesio Thomas (Marina Del Rey CA) Friedes Albert (East Brunswick NJ) Hossain Monowar (Middletown NJ) Lee Dooyong (West Orange NJ), Method and apparatus for facilitating the making of card calls.
  268. Christopher P. Ricci ; William Peters, Method and apparatus for full duplex sideband communication.
  269. Veeneman William J. (Minneapolis MN) Alexander Karla J. (Minnetonka MN) Doyle Thomas J. (Minneapolis MN) Brooks Phillip R. (Eagan MN) Hamilton Robert H. (Edina MN), Method and apparatus for generating gift certificates.
  270. Jermyn Michael G., Method and apparatus for generating purchase incentive mailing based on prior purchase history.
  271. Giuliani John A. ; VanDeVelde Scott R. ; Al-Atraqchi Waleed M., Method and apparatus for generating purchase incentives based on price differentials.
  272. Christiansen James ; Fatnani Sangita ; Kolhatkar Jayashree Santosh ; Srinivasan Krishnakumar, Method and apparatus for generating segmentation scorecards for evaluating credit risk of bank card applicants.
  273. Stewart Brett B., Method and apparatus for geographic-based communications service.
  274. Purcell ; Jr. W. Richard, Method and apparatus for graphic analysis of variation of economic plans.
  275. Wilcox Jonathan J., Method and apparatus for graphically manipulating objects.
  276. Bell Lawrence L., Method and apparatus for modeling and executing deferred award instrument plan.
  277. Bell, Lawrence L., Method and apparatus for modeling and executing deferred award instrument plan.
  278. Cunningham Scott W. ; Kerber Randy G., Method and apparatus for optimizing promotional sale of products based upon historical data.
  279. Polk John, Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing usin.
  280. Polk John, Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange.
  281. Polk,John, Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange.
  282. Lorsch Robert H., Method and apparatus for phone card billing.
  283. Libman Richard Marc, Method and apparatus for preparing client communications involving financial products and services.
  284. Walker Jay S. ; Jindal Sanjay K. ; Weir-Jones Toby, Method and apparatus for processing customized group reward offers.
  285. Federau Douglas L. ; Fringer William L. ; High Frederick, Method and apparatus for rating geographical areas using meteorological conditions.
  286. Culhane, Patrick G., Method and apparatus for scoring the likelihood of a desired performance result.
  287. O'Brien Michael F. ; Off George W. ; Cherney Timothy L. ; Katz Gary M., Method and apparatus for selective distribution of discount coupons based on prior customer behavior.
  288. Taskett John M., Method and apparatus for summaries of prepaid instrument transaction activity.
  289. Kasday Leonard R. (Moorestown NJ), Method and apparatus for telephone prize opportunities.
  290. Walker Jay S. ; Sparico Thomas M. ; Case T. Scott, Method and apparatus for the sale of airline-specified flight tickets.
  291. Weiss Kenneth P. (Newton MA), Method and apparatus for utilizing a token for resource access.
  292. King Douglas L., Method and apparatus of creating financial instrument and administering an adjustable rate loan system.
  293. Fleischl David ; Hemminger Paul ; Guido John, Method and apparatus to process combined credit and debit card transactions.
  294. Douglas Lebda ; Richard Stiegler, Method and computer network for co-ordinating a loan over the internet.
  295. Grant Alan H. ; Gambino Richard J., Method and device for preventing unauthorized use of credit cards.
  296. Blomqvist Kenneth,SEX ; Hjelmare Anders,SEX ; Olsson Lars,SEX, Method and device for registering vehicles in a road toll facility.
  297. Hennige Hartmut (23 Packman Lane ; Home Green Kirk Ella Hull HU10 7TH N. Humberside GB3), Method and device for simplifying the use of a plurality of credit cards, or the like.
  298. Biorge James E. ; Hauge Richard T. ; Svigals Jerome, Method and system for allocating and redeeming incentive credits between a portable device and a base device.
  299. Samir Varma, Method and system for analysis, display and dissemination of financial information using resampled statistical methods.
  300. Deaton David W. (Abilene TX) Gabriel Rodney G. (Abilene TX), Method and system for building a database and performing marketing based upon prior shopping history.
  301. Deaton David W. (Abilene TX) Gabriel Rodney G. (Abilene TX), Method and system for building a database for use with selective incentive marketing in response to customer shopping hi.
  302. Deaton David W. (Abilene TX) Gabriel Rodney G. (Abilene TX), Method and system for building a database for use with selective incentive marketing in response to customer shopping hi.
  303. Deaton David W. (Abilene TX) Gabriel Rodney G. (Abilene TX), Method and system for building a database for use with selective incentive marketing in response to customer shopping hi.
  304. Katis, Thomas, Method and system for co-branding an electronic payment platform such as an electronic wallet.
  305. Riordan John ; Morehouse Bruce, Method and system for collecting and processing marketing data.
  306. Richman, Richard Paul; Singer, Craig, Method and system for converting a designated portion of future social security and other retirement payments to current benefits.
  307. Stein Buddy (Fort Lauderdale FL) Twyford Lee V. (Plantation FL) Minter David D. (Fort Lauderdale FL) Wilson Michael M. (Fort Lauderdale FL), Method and system for delivering on demand, individually targeted promotions.
  308. Lardy,Jean Pierre; Finkelstein,Vladimir; Khuong Huu,Philippe K; Yang,Yunong N, Method and system for determining a company's probability of no default.
  309. Craig W. Barnett ; Karen R. Reisner ; Mark Braunstein, Method and system for electronic distribution of product redemption coupons.
  310. Jeffrey W. Mankoff, Method and system for electronic organization of coupons.
  311. Steven M. H. Wallman, Method and system for enabling smaller investors to manage risk in a self-managed portfolio of assets/liabilities.
  312. Paul,David K.; Hatfield,R. Scott, Method and system for facilitating electronic funds transactions.
  313. Anderson Michael W. ; Hargreaves David ; Hoellig Susan M. ; Johnson Drew S. ; Mischel Blaine D., Method and system for gathering and analyzing consumer purchasing information based on product and consumer clustering.
  314. Albrecht Jerry L., Method and system for gift credit card.
  315. John Martin ; Randy Nolf, Method and system for healthcare treatment planning and assessment.
  316. Johnson Jeffrey J., Method and system for linking controls with cells of a spreadsheet.
  317. Spielmann,Craig; Hutter,Maria; Klein,Joel; Singhani,Naresh, Method and system for managing risks.
  318. Joseph C. Kawan, Method and system for off-line loading of stored value cards using a batch-load terminal.
  319. Lawlor Matthew P. ; Carmody Timothy E., Method and system for remote delivery of retail banking services.
  320. Deaton David W. (Abilene TX) Gabriel Rodney G. (Abilene TX), Method and system for selective incentive point-of-sale marketing in response to customer shopping histories.
  321. Deaton David W. (Abilene TX) Gabriel Rodney G. (Abilene TX), Method and system for selective incentive point-of-sale marketing in response to customer shopping histories.
  322. Deaton David W. (Abilene TX) Gabriel Rodney G. (Abilene TX), Method and system for selective incentive point-of-sale marketing in response to customer shopping histories.
  323. Deaton David W. (Abilene TX) Gabriel Rodney G. (Abilene TX), Method and system for selective incentive point-of-sale marketing in response to customer shopping histories.
  324. Schutzer Daniel ; Forster ; Jr. William Hull,NLX ; Hu Huanrui ; Lee Wenke ; Stolfo Salvatore J. ; Fan Wei, Method and system for using intelligent agents for financial transactions, services, accounting, and advice.
  325. Burke Bertram V., Method and system to create and distribute excess funds from consumer spending transactions.
  326. Lineberry,Susan S.; Cheyns,Jannic; Herman,Ronald; Crabtree,Charles, Method and systems for developing an acquisition integration project plan.
  327. Greco N. J. ; White E. M. ; Fine S. G. ; Haught G. R. ; Pihl E. M. ; Bullock G. ; Batman James M. ; Gillespie W. ; Roland D. ; Babij K., Method for accessing and evaluating information for processing an application for insurance.
  328. Canada, Eric P.; Blane, Nancy A., Method for analyzing information to provide an objective assessment of a predefined subject.
  329. Stratmann William C., Method for assisting individuals in decision making processes.
  330. Anderson Gary Floyd ; Chou Paul Bao-Luo ; Kamesam Pasumarti V., Method for customer lead selection and optimization.
  331. Jolly Christopher H. (Clifton Park NY), Method for efficiently detecting covered rules in a knowledge base.
  332. Cross Wanda Kay ; Haller Michael Joseph ; Higgins Brian John ; Hoque Nasrin ; Jurie Kathryn Ann ; Russell Dianne Green, Method for establishing customized billing arrangements for a calling card in a telecommunications network.
  333. Boguraev Branimir K., Method for extracting knowledge from online documentation and creating a glossary, index, help database or the like.
  334. Baseman, Robert; Grey, William, Method for integrated supply chain and financial management.
  335. Atkins Charles Agee, Method for managing financial accounts by a preferred allocation of funds among accounts.
  336. Von Kohorn Henry (945 Treasure La. Vero Beach FL 32963), Method for measuring the effectiveness of stimuli on decisions of shoppers.
  337. Person Garry ; Marovskis Ilze, Method for modifying computer system and system resulting therefrom.
  338. Freeman Charles J. ; Xue Xingxiong, Method for mortgage and closed end loan portfolio management.
  339. Pinkas Denis (Chaville FRX) Caille Philippe (Gambais FRX), Method for obtaining a securitized cleartext attestation in a distributed data processing system environment.
  340. Henrick Robert F. ; Jain Ajay, Method for performing targeted marketing over a large computer network.
  341. Muehlberger Karl ; Hughes Michael, Method for processing debit purchase transactions using a counter-top terminal system.
  342. Cairns Laurie, Method for product promotion.
  343. Toader Adrian ; Valdez Jose, Method for providing prepaid internet access and/or long distance calling including the distribution of specialized cal.
  344. Stephen J. Borza CA, Method for securing communication by selecting an encoding process using a first computer based upon ability of a second computer and deleting the process thereafter.
  345. Andersen Lloyd R. ; Smith Gregory P., Method for selecting a seller's most profitable financing program.
  346. Seifert Gnter (Burg DEX) Kliewe Christian (Gross-Stove DEX), Method of and apparatus for applying labels to containers.
  347. Eder Jeff (15422 SE. 7th Pl. Bellevue WA 98007), Method of and system for generating feasible, profit maximizing requisition sets.
  348. Michael Lamla DE, Method of checking authenticity of a data carrier.
  349. Friend Edward H. ; McCrory Robert T., Method of determining optimal asset allocation utilizing asset cash flow simulation.
  350. Fox Henry L. (555 N. Broadway Jericho NY 11753), Method of determining the premium for and writing a policy insuring against specified weather conditions.
  351. Nakatani Mitsunori (Itami JPX), Method of forming three-dimensional features on substrates with adjacent insulating films.
  352. Lim Peter S. ; Broderson Robert, Method of maintaining a network of partially replicated database system.
  353. Friend Richard H. (Cambridge NY GBX) Burroughes Jeremy H. (New York NY) Bradley Donal D. (Cambridge GBX), Method of manufacturing of electrolumineschent devices.
  354. Frost W. Alan (Haddon House ; 2-4 Fitzroy St. London GB2 WIP 5ADE), Method of measuring and evaluating consumer response for the development of consumer products.
  355. Laurence Hamid CA; Robert D. Hillhouse CA, Method of providing secure user access.
  356. Hodgdon,Stephen J.; Kadlec,Charles W., Method of risk management and of achieving a recommended asset allocation and withdrawal strategy, and computer-readable medium, apparatus and computer program thereof.
  357. Bhide, Chandrashekhar, Method of searching a data record for a valid identifier.
  358. Cram Robert ; Liou Ming-Tao ; Stauber Christopher, Method, and system for product configuration.
  359. Jay S. Walker ; James A. Jorasch, Method, apparatus and program for customizing credit accounts.
  360. Mosler Warren B. ; McCauley William P. ; Sherman James M., Method, system, and computer program product for trading interest rate swaps.
  361. Roberts Peter A. (325 E. 72nd St. ; Apt. 6A New York NY 10021), Methods and apparatus for funding future liability of uncertain cost.
  362. Thomas Jerry S., Methods and apparatus for language registration of prepaid, remote entry customer account.
  363. John M. Taskett ; Barbara Piernot, Methods and apparatus for providing a prepaid, remote memory customer account for the visually impaired.
  364. Taskett John M., Methods and apparatus for providing a prepaid, remote memory transaction account with voice indicia.
  365. Taskett John M., Methods and apparatus for regenerating a prepaid transaction account.
  366. Roberts Peter A. (New York NY) Norton Hamish W. M. (New York NY) Finnerty John D. (Weehawken NJ), Methods and apparatus for restructuring debt obligations.
  367. Shepherd Ian K.,AUX, Methods and apparatus relating to the formulation and trading of risk management contracts.
  368. Shepherd Ian Kenneth,AUX, Methods and apparatus relating to the formulation and trading of risk management contracts.
  369. Samra, Balwinder S.; Nabe, Oumar, Methods and systems for analyzing marketing campaigns.
  370. Bott, Uwe, Methods and systems for assessing creditworthiness of a country.
  371. Tabb Lloyd (Santa Cruz CA) Herrmann Conrad (Soquel CA), Methods for hypertext reporting in a relational database management system.
  372. Czerwinski Mary ; Dumais Susan T. ; Robertson George G. ; Robbins Daniel C. ; van Dantzich Maarten Roderik, Methods, apparatus and data structures for providing a user interface, which exploits spatial memory in three-dimensions, to objects and which visually groups matching objects.
  373. Czerwinski Mary ; Dumais Susan T. ; Dziadosz Susan E. ; Robbins Daniel C. ; Robertson George G. ; Thiel David D. ; Van Dantzich Maarten, Methods, apparatus and data structures for providing a user interface, which exploits spatial memory, to objects.
  374. O'Malley Grace M. ; Thompson Lillian C. ; Carson George Amos ; Turlik Iwona, Microelectronic assembly including an antenna element embedded within a polymeric card, and method for forming same.
  375. Amarant Brenda B. (South Orange NJ) Desmedt William H. (Milford PA) McChristian David C. (Naperville IL) Neilon Robert M. (Pickerington OH), Monitoring of charges debited to an account having an assigned limit.
  376. Bloomquist,Eric; Spellman,Robert; Wilson,Barbara Joan, Mortgage loan customization system and process.
  377. Taylor Douglas C. (New York NY), Multi-application data card.
  378. Elliott John C. (Summit NJ) O\Connell James A. (Short Hills NJ) Ladouceur Lawrence (Scarsdale NY) Altman William (Lower Paxton PA) Jarett Keith (Oakland CA), Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer.
  379. Dethloff Juergen (Hamburg DEX) Hinneberg Christian (Hamburg DEX), Multi-user card system.
  380. Dorf Robert E., Multifunction card system.
  381. Dorf Robert E., Multifunctional card system.
  382. Kashkashian ; Jr. Arsen (55 Briarwood Dr. Holland PA 18966), Multiple credit card system.
  383. Chapin ; Jr. Stephen R., Multiple magnetic stripe transaction cards and systems for the utilization thereof.
  384. Chapin ; Jr. Stephen R., Multiple magnetic stripe transaction cards and systems for the utilization thereof.
  385. Chapin ; Jr. Stephen R., Multiple magnetic stripe transaction cards and systems for the utilization thereof.
  386. Schofield,Richard W., Multiple-network system and method for loading, transferring and redeeming value through stored value accounts.
  387. Fitzmaurice, Mary Ann; Freud, Aliza; Sharp, Ray; Nanton, Jason; Vosburgh, Scott, Multiple-service card system.
  388. Scofield Christopher L. (Barrington RI), N-dimensional coulomb neural network which provides for cumulative learning of internal representations.
  389. Pulley ; IV Harry C.,CAX ; Bertrand Philippe F.,CAX, Navigation system and method for viewing a 3D data landscape.
  390. Peter Osborne GB, Night light holder.
  391. Matsubara Toshiyuki,JPX, Non contact IC card and a non contact IC card system.
  392. Behrmann Bry E. ; Oberan Douglas S. ; Oberan Stephen Lloyd, Non-cash media card and process of dispensing from automated teller.
  393. Ohno Hisashi,JPX, Non-contact IC card having multiple receivers with different signal detection threshholds for minimizing current consumption.
  394. Takahira Kenichi (Itami JPX) Hayamizu Koichi (Itami JPX), Noncontact IC card interface unit and communication system using the interface unit.
  395. Hollands,Darryl, Number plate.
  396. Klitsgaard, Niels Christian; .O slashed.stby, Carlos; Lund, Peter; Christiansen, Bo, Object detection system.
  397. Reed, Drummond Shattuck, Object-based on-line transaction infrastructure.
  398. Kayanuma Kanji,JPX, Optical information recording/reproducing system, optical information storage medium, and manufacturing method thereof.
  399. Allen Philip C. (Feltham GB2) Burroughes Jeremy H. (Cambridge GB2) Friend Richard H. (Cambridge GB2) Harrison Alan J. (Woking GB2), Optical modulators based on polymers.
  400. Nishimura Hiroshi (Tokyo JPX), Optically stored data card.
  401. Heinrich, Nicolas, Overall risk in a system.
  402. Smith M. Brooks ; Wilkie David M., Package assembly and method for activating prepaid debit cards.
  403. Nichtberger Steven (New Rochelle NY) McGlynn Kevin (Yorktown Heights NY) Snook Corey (Huntington Beach CA), Paperless system for distributing, redeeming and clearing merchandise coupons.
  404. Nichtberger Steven (New Rochelle NY) McGlynn Kevin (Yorktown NY) Snook Corey (Meredith NH), Paperless system for distributing, redeeming and clearing merchandise coupons.
  405. Cooper Leon N. (Providence RI) Elbaum Charles (Providence RI) Reilly Douglas L. (Providence RI) Scofield Christopher L. (Providence RI), Parallel, multi-unit, adaptive, nonlinear pattern class separator and identifier.
  406. Malec John (Chicago IL) Moser Joseph P. (Glendale Heights IL) Thomas Scott J. (Palatine IL) Ting Eleanor (Sudbury MA), Passive data collection system for market research data.
  407. Holmes Andrew (Cambridge GBX) Bradley Donal D. (Cambridge GBX) Friend Richard H. (Cambridge GBX) Kraft Arno (Cambridge GBX) Burn Paul (Cambridge GBX) Brown Adam (Cambridge GBX), Patterning of semiconductive polymers.
  408. Skodlar Rafael (1585 Keesling Ave. San Jose CA 95125), Payment card with display.
  409. Wheeler, Lynn Henry; Wheeler, Anne M., Person-centric account-based digital signature system.
  410. D\Agostino Richard J. (Charlotte NC), Personal assistant computer method.
  411. D\Agostino Richard J. (Charlotte NC), Personal financial assistant computer method.
  412. Atkins Charles Agee, Personal financial management system for creation of a client portfolio of investment and credit facilities where funds.
  413. Ruppert Jonathan P. (17147 Heatherwood Way Morgan Hill CA 95037) Fish Ronald C. (16590 Oak View Cir. Morgan Hill CA 95037), Personal scanner/computer for displaying shopping lists and scanning barcodes to aid shoppers.
  414. Weiss Kenneth P. (Newton MA) Howard Sheldon (Canoga Park CA), Personal security system.
  415. Yassin, Amr F.; alSafadi, Yasser, Personalize vehicle settings using RF tags.
  416. Barton Blain, Point of sale automatic savings program contribution system.
  417. Reeder Kenneth Rodney, Point of sale method and system.
  418. White James L. ; White James A., Point-of-distribution pre-paid card vending system.
  419. Shimada Naoki,JPX, Polymer dispersed liquid crystal (PDLC) film using heat or an electric field to change state and the other to change back.
  420. Christopher J. A. Barnardo GB, Portable cards.
  421. Halpern John W. (14 Belsize Park Gdns. London ; N W 3 GB2), Portable data carrier incorporating manually presettable processing modes.
  422. Audebert Yves Louis Gabriel, Portable electronic device for safe communication system, and method for initializing its parameters.
  423. Boston Vincent (San Mateo CA), Portable financial transaction card capable of authorizing a transaction in foreign currencies.
  424. Hasegawa Haruyoshi (Kawasaki JPX), Portable information record medium having liquid crystal and photoconductive layers.
  425. Hale William J. (Dayton OH) Horst William R. (Dayton OH) Riley Ellen P. (Centerville OH), Portable personal terminal for use in a system for handling transactions.
  426. Kuriyama Ryouichi,JPX, Portable terminal apparatus for IC card compatible with a plurality of applications.
  427. Scharf, David R., Postcard form for maintaining privacy of information contained thereon.
  428. Stimson Charles J. (Garland TX) Beshear Brady S. (Garland TX), Pre-paid card system and method.
  429. Stimson Charles J. ; Beshear Brady S., Pre-paid card system and method.
  430. Debra Lynn Fite ; John Peter Doomernik CA, Pre-paid card system for purchasing products or services.
  431. Carson John T., Pre-paid phone card system with promotional link.
  432. Kaehler David L. ; McSpadden John S. ; Dickson Timothy E. ; Blake Anthony G., Preconditioning a fuel dispensing system using a transponder.
  433. Stich Rebecca ; Ramsburg Douglas ; Rice Ginger A. ; Wantz John L. ; Dalgauer Don ; Nassoiy Stephen R., Prepaid card.
  434. McKoy Reginald V. (Silver Spring MD) Chin-Aronds Lilly (Clark NJ) Farris Robert D. (Sterling VA), Prepaid cash card.
  435. Nguyen Vu,SEX ; Olvera-Hernandez Ulises,SEX, Prepayment method utilizing credit information stored in mobile terminals for accessing wireless telecommunication networks.
  436. Cristofich John M. (Bridgewater NJ) Warner Susan E. (Lawrenceville NJ), Private stock option account control and exercise system.
  437. Arditti David,FRX ; Boulot Olivier,FRX ; Campana Mireille,FRX ; Milano Sophie,FRX, Process for the acceptance of a virtual prepaid card use request permitting the reuse of its serial number.
  438. Brubaker Randall E., Process to convert cost and location of a number of actual contingent events within a region into a three dimensional surface over a map that provides for every location within the region its own est.
  439. Teicher Mordechai,ILX, Processing system and method for a heterogeneous electronic cash environment.
  440. Wallerstein Robert S. (9782 Tottenham Ct. Beverly Hills CA 90210), Programmable credit card.
  441. Wynn Sol H., Programmable multiple company credit card system.
  442. Wallerstein Robert S., Programmable transaction card.
  443. Blumberg Barry B., Promotional financial transaction machine method.
  444. Druse, Donald R.; Colacino, Frank A.; Hovey, Jr., Robert A., Promotional mailing device.
  445. Cohen Jeffery M. (Boca Raton FL) Robertson Ian M. (Boca Raton FL), Purchasing system with rebate feature.
  446. Helzerman, Thomas Henry, Quality operating system.
  447. Weinstock Robert M ; Smidts Carol S ; Mosleh Ali ; Chang Yung-Hsien ; Swaminathan Sankaran ; Groen Francisco J ; Tan Zhibin, Quantitative risk assessment system (QRAS).
  448. Ching Hugh, Quantitative supply and demand model based on infinite spreadsheet.
  449. Brig Barnum Elliott, RF tag based system and method for drive-through applications.
  450. Kotola, Sakari; Hussmann, Holger, Radio frequency identification (RF-ID) based discovery for short range radio communication.
  451. Vega Victor Allen ; Eberhardt Noel H., Radio frequency identification tag apparatus and related method.
  452. Cunningham Gordon Cotter, Real-time financial card application system.
  453. Kanter Mark W. (Lyndhurst NJ), Referral recognition system for an incentive award program.
  454. Taskett John M., Refundable prepaid telephone card.
  455. Taskett John M. (East Coquina CT), Refundable prepaid telephone card.
  456. Gottesman Sidney ; Shuman Darlene ; Eletto Patricia ; Gurdus Ben ; Santariello Bob ; Murthy Jay ; Spivak Michael, Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution.
  457. Green Jonathan B. (Belmont MA) Pope William R. (Cambridge MA), Remote ordering system.
  458. Powell Ken R., Retail store and method employing multiple network interfaces at each cash register, and receiving signals from portabl.
  459. Packwood,Thomas R., Risk assessment and management system.
  460. Gopinathan Krishna M. ; Jost Allen ; Biafore Louis S. ; Ferguson William M. ; Lazarus Michael A. ; Pathria Anu K., Risk determination and management using predictive modeling and transaction profiles for individual transacting entities.
  461. Fraenkel, Noam A.; Goldstein, Guy; Sarig, Ido; Haddad, Refael, Root cause analysis of server system performance degradations.
  462. Johnson,Lance; Buckley,Brian; Kocher,Paul C.; Meffert,Peter, Routing methods and systems for increasing payment transaction volume and profitability.
  463. Nakisa, Ramin C.; Mackay, Robin, Rule based expert system for consumer preference.
  464. Ray Kenneth S. ; Koelsch George Richard ; Ray Carol Andrews, S.E.C. registered individual account investment advisor expert system.
  465. Pizi Anthony C. ; Kanevsky Paul, Seamless application interface manager.
  466. Masada Shigeo (Itami JPX), Secret information preserving system for a multiple issuer IC card.
  467. Kelley, Edward E.; Motika, Franco; Motika, Paul V.; Motika, Eric M., Secure credit card.
  468. Bezos Jeffrey P., Secure method and system for communicating a list of credit card numbers over a non-secure network.
  469. Novis Scott R. ; Jachimowicz Karen E. ; Barry Dennis ; Van Zile Jack ; Rhyne George W., Secure smart card reader with virtual image display and pull-down options.
  470. Musmanno Thomas E. (Brooklyn NY), Securities brokerage-cash management system.
  471. Musmanno Thomas E. (Brooklyn NY), Securities brokerage-cash management system.
  472. Musmanno Thomas E. (Brooklyn NY) Bilbao Carlos F. (Brooklyn NY), Securities brokerage-cash management system obviating float costs by anticipatory liquidation of short term assets.
  473. Musmanno Thomas E. (Brooklyn NY) Marrone Joseph A. (Copiague NY) Carey Laura (New York NY), Securities brokerage-cash management system with short term investment proceeds allotted among multiple accounts.
  474. Trojan Donald R. (New Canaan CT) Keenan ; III Edward F. (Franklin Square NY) Hyatt Henry (Glendale NY), Securities trading workstation.
  475. Korshun Yvan,UAX, Security device for controlling the access to a personal computer or to a computer terminal.
  476. David J. Haas, Security pass.
  477. David J. Haas, Security pass.
  478. David J. Haas, Security pass.
  479. Haas, David J., Security pass.
  480. Haas, David J., Security pass.
  481. Morrison ; Jr. William T., Security system and method for business transactions with customers.
  482. Blossom, George, Selectable multi-purpose card.
  483. Mazzamuto Anthony (Tarzana CA) Lozano Ricardo L. (Sherman Oaks CA), Self-contained personal data collector for redeeming coupons.
  484. Holmes Andrew (Cambridge GBX) Bradley Donal D. (Cambridge GBX) Friend Richard H. (Cambridge GBX) Kraft Arno (Cambridge GBX) Burn Paul (Cambridge GBX) Brown Adam (Cambridge GBX), Semiconductive copolymers for use in luminescent devices.
  485. Holmes Andrew (Cambridge GBX) Bradley Donal D. (Cambridge GBX) Friend Richard H. (Cambridge GBX) Kraft Arno (Cambridge GBX) Burn Paul (Cambridge GBX) Brown Adam (Cambridge GBX), Semiconductive copolymers for use in luminescent devices.
  486. Holmes Andrew (Cambridge GBX) Bradley Donal Donat (Cambridge GBX) Friend Richard Henry (Cambridge GBX) Kraft Arno (Cambridge GBX) Burn Paul (Cambridge GBX) Brown Adam (Cambridge GBX), Semiconductive copolymers for use in luminescent devices.
  487. Inala Suman Kumar ; Rangan P Venkat ; Satyavolu Ramakrishna, Server-side web summary generation and presentation.
  488. Novis Scott R. ; Carns William E. ; Jachimowicz Karen E., Smart card device with pager and visual image display.
  489. Claus David Michael ; Moran John Christian ; Murphy Kevin Dean ; Thompson Wanda Green, Smart card for automatic financial records.
  490. Dethloff Juergen (Brandstucken 35 2000 Hamburg 53 DEX) Hinneberg Christian (Hamburg DEX), Smart card issuing and receiving apparatus.
  491. Jachimowicz Karen E. ; Novis Scott R., Smart card with Iintegrated reader and visual image display.
  492. Jachimowicz Karen E. ; Novis Scott R. ; Barry Dennis ; Jiang Wenbin ; Lebby Michael S., Smart card with contactless optical interface.
  493. Carlisle William Reid (Morristown NJ) Curtis Lydia Anne (Bridgewater NJ) Murphy Kathleen M. (Bedminster NJ) Skibo Richard John (Skillman NJ), Smart card with multiple charge accounts and product item tables designating the account to debit.
  494. Mandelbaum Richard (Manalapan NJ) Sherman Stephen A. (Hackettstown NJ) Wetherington Diane R. (Bernardsville NJ), Smartcard adapted for a plurality of service providers and for remote installation of same.
  495. Dhond Umesh R. ; LaSala Carl J. ; Rubenstein Jeffrey D., Software utility for creating and editing a multidimensional oil-well log graphics presentation.
  496. Piosenka Gerald V. ; Fox Thomas M. ; Schmidt Kenneth H., Solar cell powered smart card with integrated display and interface keypad.
  497. MacGregor Kathryn (Palo Alto CA) Waymire Elisabeth A. (San Carlos CA), Sorting a table by rows or columns in response to interactive prompting with a dialog box graphical icon.
  498. Slater, Kim Michele, Sponsor funded stored value card.
  499. Slater,Kim Michele, Sponsor funded stored value card.
  500. Zellweger Polle T. ; Mackinlay Jock D. ; Chang Bay-Wei ; Igarashi Takeo,JPX, Spreadsheet view enhancement system.
  501. Bachman, Richard; Pilkonis, Patrice, Stock credit card.
  502. Cristofich John ; Warner Susan ; Howard Deborah ; Berkley Karen, Stock option control and exercise system.
  503. Cristofich John ; Warner Susan ; Howard Deborah ; Berkley Karen ; Radcliffe Eric, Stock option control and exercise system.
  504. Smith Mark S. ; Epstein Seth M. ; Smith Jennifer J. ; Corarito Arthur D. ; Cinquegrana George V., Store-level marketing system.
  505. Blandina,Michael; Berry,Robert; Belczynski,Mari, Stored value transaction system including an integrated database server.
  506. Boesch Brian P., Stored-value card value acquisition method and apparatus.
  507. Lalonde Michael G. (37825 Mallast Harrison Township MI 48045), Structure for a method of facilitating charge transactions.
  508. Cambray John E. (Pelham NH) Scharmer Andrew J. (Tewksbury MA), Supervisory management center with parameter testing and alerts.
  509. Hartley-Urquhart William Roland, Supply chain financing system and method.
  510. Mandler, Maria M.; McLaughlin, Ann P.; Battenfelder, Robert R.; Rouen, James E.; Orbach, Levi Y.; Benson, Carol; Engber, Marjorie; Nevens, James E.; Krajewski, William Joseph; Baldwin Moody, Carol A., System and method a risk based purchase of goods.
  511. Mandler Maria M. ; McLaughlin Ann P. ; Battenfelder Robert R. ; Rouen James E. ; Orbach Levi Y. ; Benson Carol ; Engber Marjorie ; Nevens James E. ; Krajewski William Joseph ; Moody Carol A. Baldwin , System and method for a risk-based purchase of goods.
  512. Burton James F. (Ladue MO) Henke Daniel L. (St. Louis MO), System and method for administration of incentive award program through use of credit.
  513. Christopher R. Lefebvre ; Stephen T. Schreiner, System and method for an automated scoring tool for assessing new technologies.
  514. Osborn Brock Estel ; Hershey John Erik, System and method for automated risk-based pricing of a vehicle warranty insurance policy.
  515. Dworkin Ross E. (Parkside PA), System and method for automated selection of equipment for purchase through input of user desired specifications.
  516. Simpson Mark S., System and method for automatically investing a portion of a credit card interest charged amount in an investment account.
  517. Hogan Edward J. (Bayside NY), System and method for bill delivery and payment over a communications network.
  518. Buddle, James Joseph; Burke, Brenda Sue; Perkins, Rodney Albert; Roday, Leon Ellis; Tartaglia, Renee; Vermiglio, Ivan Antonio, System and method for compliance management.
  519. Hogan Edward J. (Bayside NY), System and method for conducting cashless transactions.
  520. Hogan Edward J. (Bayside NY), System and method for conducting cashless transactions on a computer network.
  521. Bishop, Fred; Neemann, Trey; Armes, David, System and method for converting a stored value card to a credit card.
  522. Eng Alvin ; Brill Curtis,GBX, System and method for creating and managing a synthetic currency.
  523. Garman Mark B., System and method for determination of incremental value at risk for securities trading.
  524. Simon,Scott H.; Woodall,Nancy W.; Nikithser,Michael F.; Forst,Jon K.; Shields,Gregory, System and method for determining eligibility and enrolling members in various programs.
  525. Powell Ken R., System and method for distributing coupons through a system of computer networks.
  526. Tuzhilin Alexander S., System and method for dynamic profiling of users in one-to-one applications.
  527. Kight Peter J. (Dublin OH) Johnson Mark A. (Dublin OH) Christenson Tamara K. (Gahanna OH) Lach Regina (Galena OH) Pointer Philip (Columbus OH) Cook Kenneth (Gahanna OH), System and method for electronically providing customer services including payment of bills, financial analysis and loan.
  528. Dunn,Melanie; Hobbs,Chris; Menichilli,Julie; Rances,Mary, System and method for facilitating a subsidiary card account with controlled spending capability.
  529. Schwarz, Jr.,Charles E., System and method for funding a collective account by use of an electronic tag.
  530. Rothman, Michael J.; Witsil, Kathleen H.; Nanek, David W., System and method for gathering and standardizing customer purchase information for target marketing.
  531. Walker Jay S. ; Jorasch James A., System and method for generating and executing insurance policies for foreign exchange losses.
  532. Tucker Eric ; Abkowitz David B., System and method for implementing selectively index enabled multi-column lists in a computer system.
  533. Bibelnieks, Eric; Bullock, Mark; Haydock, Michael; Schiller, Mindy; Kugel, Wayne; Pednault, Edwin Peter Dawson; Soderquist, Nancy; Crowder, Harlan, System and method for increasing the effectiveness of customer contact strategies.
  534. Agrawal Rakesh (San Jose CA) Srikant Ramakrishnan (San Jose CA), System and method for mining generalized association rules in databases.
  535. Singer Paula ; Singer Gary, System and method for monitoring international tax status.
  536. Robert C. Higgins ; Steven W. Thorpe, System and method for monitoring risk in a system development program.
  537. Boesch Brian Paul ; Crocker Stephen David ; Eastlake ; III Donald Eggleston ; Hart ; Jr. Alden Sherburne ; Jackson Andrew ; Lindenberg Robert A. ; Paredes Denise Marie, System and method for multi-currency transactions.
  538. Day Larry J. ; Weinkauf Merle S. ; Knutson Theodore, System and method for offering targeted discounts to customers.
  539. Conklin Jeffrey ; Foucher David ; Foucher Daniel, System and method for ordering sample quantities over a network.
  540. Nakano Hiroaki,JPX ; Niijima Makoto,JPX ; Sonoda Yumie,JPX ; Kumagai Yoshiaki,JPX ; Nagahara Junichi,JPX ; Nashida Tatsushi,JPX, System and method for parent-controlled charging for on-line services.
  541. Landry George W. (Cincinnati OH), System and method for paying bills and other obligations including selective payor and payee controls.
  542. Slater Alan, System and method for performing an electronic financial transaction.
  543. Tom Mohimm Daniel (Clifton Park NY), System and method for performing risk and credit analysis of financial service applications.
  544. Watson Craig, System and method for pre-authorization of individual account transactions.
  545. Irving Russell Robert ; Linden Angelika Dorothea ; Quaile James Patrick, System and method for proactively monitoring risk exposure.
  546. Tarbox Andrew W., System and method for processing a customized financial transaction card.
  547. Baronowski Walter ; Feldstein Michael ; Meenan Robert ; Simone Victor ; Weil David ; Young Andrew, System and method for providing a line of credit secured by an assignment of a life insurance policy.
  548. Jeffrey Conklin ; David Foucher ; Daniel Foucher, System and method for providing and updating user supplied context for a negotiations system.
  549. Hamilton,Stacy M.; Rossiter,Janet L., System and method for providing promotional pricing.
  550. Norris Jeffrey A., System and method for real time loan approval.
  551. Jeffrey Conklin ; David Foucher ; Daniel Foucher, System and method for representing data and providing electronic non-repudiation in a negotiations system.
  552. Egan Donald G. (Downingtown PA) Fisher John (Limerick PA), System and method for storing and displaying data.
  553. Tannenbaum David H. (6219 Raintree Ct. Dallas TX 75240), System and method for tracking memory card transactions.
  554. Dembo,Ron S.; Mausser,Helmut, System and method for trading off put and call values of a portfolio.
  555. Suzuki Hikaru, System and method for updating shopping transaction history using electronic personal digital shopping assistant.
  556. Audebert Yves, System and method for user authentication employing dynamic encryption variables.
  557. Audebert Yves, System and method for user authentication having clock synchronization.
  558. Macklin, Lee; Pinsky, Maria; Kraemer, Jessica, System and method for using a multiple-use credit card.
  559. Nicole N. Risafi ; Burnett D. Hunter ; Kevin McKenzie ; Janice Wiggins ; Brian Stangle, System and method for using a prepaid card.
  560. Bauer,James L.; Masella,Margaret, System and method of operating a debit card reward program.
  561. Holda-Fleck Marilyn A., System and method to automatically provide an electronic consumer rebate.
  562. Walker Darcy ; Sussman Lawrence J. ; Mayr Mona ; Dean ; Jr. Charles G. ; Seib Dennis ; Musci Richard ; Marino Glenn, System and method to performing on-line credit reviews and approvals.
  563. Cseri Istvan (Scotts Valley CA), System and methods for building spreadsheet applications.
  564. Kevin Sullivan, System and methods for card payment instrument with rebate applied to an insurance premium.
  565. Sullivan, Kevin, System and methods for card payment instrument with rebate applied to an insurance premium.
  566. Anderson Charles (Santa Cruz CA) Warfield Robert W. (Aptos CA) Cseri Istvan (Scotts Valley CA) Low Murray K. (Santa Cruz CA) Liaw Weikuo (Scotts Valley CA) Bush Alan M. (Palo Alto CA), System and methods for improved spreadsheet interface with user-familiar objects.
  567. Anderson Charles R. (Santa Cruz CA) Warfield Robert W. (Aptos CA) Cseri Istvan (Scotts Valley CA) Low Murray K. (Santa Cruz CA) Liaw Weikuo (Santa Cruz CA) Bush Alan M. (Menlo Park CA), System and methods for improved spreadsheet interface with user-familiar objects.
  568. Anderson Charles R. ; Warfield Robert W. ; Cseri Istvan ; Low Murray K. ; Liaw Weikuo ; Bush Alan M., System and methods for improved spreadsheet interface with user-familiar objects.
  569. Haessler ; Herbert A. ; Elshtain ; Errol L. ; Holland ; Taffy, System and technique for automated medical history taking.
  570. Ugawa Akira (Tokyo JPX) Takizawa Toshio (Tokyo JPX), System for authenticating an authorized user of an IC card.
  571. Heintzeman Scott B. (Plymouth MN) Storey Thomas W. (Minneapolis MN) Monson Barbara (Oceanside CA) Medina Steven J. (San Diego CA) Malark Gregory A. (Maple Grove MN), System for awarding credits to persons who book travel-related reservations.
  572. Carla Owen Grune ; Guerry Leonard Grune ; Sanjay Sharma, System for combining life cycle assessment with activity based costing using a relational database software application.
  573. Clark Barry Alan ; D'Onofrio John, System for communicating with an electronic delivery system that integrates global financial services.
  574. Audebert Yves,FRX, System for controlling access to a function having clock synchronization.
  575. Audebert Yves,FRX, System for controlling access to a function, using a plurality of dynamic encryption variables.
  576. Vu Joe Q., System for controlling usage of phone debit cards.
  577. Herz Frederick S. M., System for customized electronic identification of desirable objects.
  578. Burge Gary L. ; Luddy William A., System for customizing computer displays in accordance with user preferences.
  579. Weiss Lawrence D. (Skaneateles NY) Rapaczynski Wanda (New York NY) Arlett-Gould Alexis (Millburn NJ) Bock Brian C. (New York NY) Edelstein Walter (Bayside NY) Eisner Mark (Briarwood NY) Enerson Meryl, System for demonstrating financial concepts and displaying financial data.
  580. Kelly William Franklin ; Bennett Charles D. ; Wamberg Warren T., System for designing and implementing bank owned life insurance (BOLI) with a reinsurance option.
  581. Vincent Cuervo, System for dispensing prepaid debit cards through point-of-sale terminals.
  582. Vitagliano Francis M. (117 Revere St. Boston MA 02114) Modigliani Franco (25 Clark St. Belmont MA 02178), System for enhanced management of pension-backed credit.
  583. Hale William J. (Dayton OH) Horst William R. (Dayton OH) Creech ; Jr. Arthur R. (Bellbrook OH), System for handling transactions including a portable personal terminal.
  584. Atkins Charles Agee, System for managing financial accounts by a priority allocation of funds among accounts.
  585. Atkins Charles Agee, System for managing financial accounts by reallocating funds among accounts.
  586. Austin Clive H., System for managing real estate SWAP accounts.
  587. Atkins Charles Agee, System for prioritized operation of a personal financial account comprising liabilities and investment assets.
  588. Hoffman Frank (1760 Willow Rd. Hillsborough CA 94010), System for promoting account activity.
  589. Kolls, H. Brock, System for providing remote audit, cashless payment, and interactive transaction capabilities in a vending machine.
  590. Cwenar Daniel, System for receiving, processing, creating, storing, and disseminating investment information.
  591. Larche Kimberly ; Taeuber Clemens, System for selecting liability products and preparing applications therefor.
  592. Gell Michael Anthony,GB2 ; Manning Michael Robert Wistow,GB2 ; Martin Jose-Luis Fernandez-Villacanas,GB2, System for selective communication connection based on transaction pricing signals.
  593. Atkins Charles Agee, System for the operation and management of one or more financial accounts through the use of a digital communication a.
  594. Atkins Charles Agee (Charleston SC), System for the operation and management of one or more financial accounts through the use of a digital communication and.
  595. Atkins Charles A. (Amelia Island FL), System for the operation of a financial account.
  596. David Kahn ; Barinder Singh Saini ; Svetlana E. Kreimer ; Shelley S. Ferguson, System for web-based payroll and benefits administration.
  597. Williams Humphrey ; Hughes Kevin ; Parmar Bipinkumar G., System, method and article of manufacture for network electronic authorization utilizing an authorization instrument.
  598. Hackett Ann ; Arnold Lisa ; Jordan Vickie, Systems and methods for authorizing a transaction card.
  599. McManus,Douglas Alexander John; Husain,Asim; Sims,Pamela Williams; Parson,Robert LaVerne; Fu,Limin, Systems and methods for determining the value of assets.
  600. Lipton,Alexander; Song,Jonathan Z.; Lee,Shinghoi, Systems and methods for modeling credit risks of publicly traded companies.
  601. Behrenbrinker,Anita M.; Feight,Richard D., Systems and methods for the processing of financial transactions.
  602. Beck,Randall G.; Feldman,Gennye; Imada,Jon Steven; Martinez,Paula S.; Miller,Sven; Page,Clyde; Keiser,Steven J., Systems, methods, and devices for selling transaction instruments.
  603. Bloomberg Samuel J. (Brookline MA) Stone Jeffrey S. (Pembroke MA), Technique for utilizing a computer system to provide price protection to retail customers.
  604. Stimson Charles J. (Garland TX) Beshear Brady S. (Garland TX), Telephone pre-paid calling card system and method.
  605. Marshall Marvin E., Telephone travel card system under the control of its customers.
  606. Katz Ronald A. (570 S. Mapleton Dr. Los Angeles CA 90024), Telephonic-interface game control system.
  607. Katz Ronald A. (Los Angeles CA), Telephonic-interface game control system.
  608. Katz Ronald A. (Los Angeles CA), Telephonic-interface game control system.
  609. Katz Ronald A., Telephonic-interface lottery device.
  610. Katz Ronald A., Telephonic-interface lottery system.
  611. Katz Ronald A. (Los Angeles CA), Telephonic-interface lottery system.
  612. Nemirofsky Frank R., Television signal activated interactive smart card system.
  613. Benson Terrence R. ; Jablonski Richard ; Maldarelli Lawrence V. ; Siu Howard, Terminal for issuing and processing data-bearing documents.
  614. Olla Michael A. (Austin TX) Dolbear Thomas P. (Austin TX) Hashemi Seyed H. (Austin TX), Thermally conductive screen mesh for encapsulated integrated circuit packages.
  615. Mannik Kallis H. (P.O. Box 43 Webster NY 14580), Third millenium credit card with magnetically onto it written multiple validity dates, from which is one single day as t.
  616. Picciallo Michael J., Third party credit card.
  617. Hucal Stephen J., Tiered interest rate revolving credit system and method.
  618. Jonathan Michael Freidman GB; Flynn Devynn Fishman GB, Time-based modeling.
  619. Pare ; Jr. David Ferrin ; Hoffman Ned ; Lee Jonathan Alexander, Tokenless identification of individuals.
  620. Chiappetti Arthur B. (10600 S. Oakley Chicago IL 60643), Toll collection system.
  621. Slavin Fred ; Schafer Randy J., Toll collection system.
  622. Ballow,John J.; McCarthy,Brian F.; Relvas,Anthony J., Total return to shareholder analytics.
  623. Boggan Elvis W. (Concord CA), Transaction approval system.
  624. Boggan Elvis W. (Concord CA) Campbell ; Jr. Carl M. (Newtown Square PA), Transaction approval system.
  625. Boggan Elvis W. (Concord CA) Campbell Carl M. (Newtown Square PA), Transaction approval system.
  626. Boggan Elvis W. (Willow Court CA) Campbell Carl M. (Newtown Square PA), Transaction approval system.
  627. Blonder Greg E. ; Greenspan Steven Lloyd ; Mirville J. Robert ; Sugla Binay, Transaction authorization and alert system.
  628. Lasch, Ellen; Webb, Lisa; Vigiletti, Judy; Faenza, Jr., William J., Transaction card.
  629. Hayashida Shoji,JPX, Transaction terminal for an electronic cashless system.
  630. Pavlov Leonidas P. (Colorado Springs CO) Aba-Jbara Nabil M. (Colorado Springs CO), Unitary, self-contained card verification and validation system and method.
  631. Wisdom Juanita J. ; Wisdom Deborah M., Universal pre-paid gasoline and travel card.
  632. Spencer Wyner (San Francisco CA), Usage promotion method for payment card transaction system.
  633. Brody Bill E. (Dallas TX) Cudd Steven B. (Richardson TX) Rose Ronald M. (Carrollton TX), User adaptable expert system.
  634. Maggioncalda Jeff N. ; Jones Christopher L. ; Sharpe William F. ; Fine Ken ; Tauber Ellen, User interface for a financial advisory system.
  635. Austin Frank,SAX, User-Specified credit card system.
  636. Sacerdoti Earl D. ; Foote David ; Davis Mark T. ; Rosser Leigh ; Gerola Humberto C. ; Bernosky Philip J. ; McGraw John M. ; Gerola Wolfgang H., User-friendly graphics generator using direct manipulation.
  637. Dedrick Rick (Hillsboro OR), Using the vertical blanking interval for transporting electronic coupons.
  638. Jones Timothy Lloyd,GB2 ; Higgins Graham Robert L.,GB2, Value transfer system.
  639. Clitherow Michael T. (White House Station NJ), Virtual calling card system.
  640. Mankoff, Jeffrey W., Virtual document organizer system and method.
  641. Marshall Paul Steven, Virtual reality generator for displaying abstract information.
  642. Marshall Paul S. (518 Hudson St. #4RF Hoboken NJ 07030), Virtual reality generator for use with financial information.
  643. Marshall Paul Steven, Virtual reality generator for use with financial information.
  644. Ed H. Chi ; John T. Riedl ; Joseph A. Konstan ; Phillip J. Barry, Visualization spreadsheet.
  645. Hassan Amer A. ; Karabinis Peter D. ; Rydbeck Nils Rutger, Vocoder apparatus using the link margin.
  646. Garman Mark B., Watershed method for controlling cashflow mapping in value at risk determination.
  647. Freeman Gary A. ; Freeman David H., Wearable device with flexible display.
  648. Arnold, Lenny; Arnold, Lisa, Wheeled body board.
  649. Akiyama Koji,JPX ; Yoshitake Satoshi,JPX ; Takeuchi Minoru,JPX ; Shimizu Hiroshi,JPX ; Nagata Kazuo,JPX ; Takai Kiyoshi,JPX ; Sekiguchi Toshio,JPX, Wireless equipment diagnosis system.

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  1. Melanson, John L., Audible noise suppression in a resonant switching power converter.
  2. Draper, William A.; Grisamore, Robert T.; Melanson, John L., Calibration of lamps.
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  4. Li, Zhiyong; Hotchandani, Rajesh; Maher, Austin Patrick, Computer-implemented systems and methods for efficiently selecting data in multi-dimensional hierarchical space with multiple constraints.
  5. Melanson, John L.; Gaetano, Mauro, Current sensing in a switching power converter.
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  7. Melanson, John L., Dimmer output emulation.
  8. Gangadhar, Deepak K., Dynamic self configuring overlays.
  9. Jain, Pankaj; Vinodh, Ar; Mueller, Klaus, Financial instrument management using object differentiation.
  10. P, Madhusudan; Jain, Pankaj; Vinodh, Ar; Mueller, Klaus, Financial instrument position and subposition management.
  11. Schmid, Brian; Berman, Gregg E; Benson, Pete, For and method of providing portfolio risk information to investors without revealing position information.
  12. Kost, Michael A.; Melanson, John L.; Singh, Rahul; Sood, Mohit; He, Zhaohui, Inductor over-current protection using a volt-second value representing an input voltage to a switching power converter.
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  15. Melanson, John L., Lighting system with power factor correction control data determined from a phase modulated signal.
  16. Melanson, John L.; Gaetano, Mauro L.; King, Eric; Grisamore, Robert; He, Zhaohui, Low energy transfer mode for auxiliary power supply operation in a cascaded switching power converter.
  17. Rotenberg, Edward, Method and system for three-dimensional presentation of financial data.
  18. Stephenson, Peter R., Method for evaluating system risk.
  19. Keyes, Tim Kerry; Keenan, Sean Coleman; Allred, Charles, Methods and systems for assessing underwriting and distribution risks associated with subordinate debt.
  20. Clode, Stephen; Bawa, Gaurav; Linscott, Darren; Bailey, William Ellery, Multiple rate currency consolidator.
  21. Clode, Stephen; Bawa, Gaurav; Linscott, Darren; Bailey, William Ellery, Multiple rate currency consolidator.
  22. Draper, William A.; Grisamore, Robert, Phase control dimming compatible lighting systems.
  23. Melanson, John L., Power control system for current regulated light sources.
  24. Melanson, John L., Power factor correction controller with feedback reduction.
  25. Melanson, John L., Power supply that determines energy consumption and outputs a signal indicative of energy consumption.
  26. Etter, Brett E., Power system having voltage-based monitoring for over current protection.
  27. Melanson, John L., Primary-side based control of secondary-side current for a transformer.
  28. Melanson, John L.; Gaetano, Mauro L., Resonant switching power converter with adaptive dead time control.
  29. Melanson, John L., Switch controlled current sensing using a hall effect sensor.
  30. Melanson, John L.; Kost, Michael A., Switch power converter control with spread spectrum based electromagnetic interference reduction.
  31. Melanson, John L.; Thompson, Karl; Nanda, Kartik; Gaetano, Mauro, Switch state controller with a sense current generated operating voltage.
  32. Melanson, John L., Switching power converter and control system.
  33. Kost, Michael A.; Gaetano, Mauro L.; Melanson, John L., Switching power converter control with triac-based leading edge dimmer compatibility.
  34. Melanson, John L., Switching power converter with current sensing transformer auxiliary power supply.
  35. Melanson, John L.; Gaetano, Mauro L.; Harris, Larry L., Switching power converter with selectable mode auxiliary power supply.
  36. Melanson, John L., Switching power converter with switch control pulse width variability at low power demand levels.
  37. Long, Bo; Zhang, Zhongfei Mark, System and method for probabilistic relational clustering.
  38. Classen, Todd M., Systems and methods for financial stress testing.
  39. Tunney, Jono, Systems and methods for foreign exchange risk management.
  40. Melanson, John L., Time division light output sensing and brightness adjustment for different spectra of light emitting diodes.
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