Patent application number | Description | Published |
20090055308 | Multiple Asset Secured Umbrella Loan/Credit Product and Method - A customer-oriented loan or credit product that allows separate multiple assets to be used as collateral in a single lending product such as a loan (for example, a home equity loan) or a line of credit (for example, a home equity line of credit). | 02-26-2009 |
20110166911 | Leveraging Customer Information to Create and Utilize Financial Networks - Aspects of this disclosure relate to a financial relationship and social relationship identifying computer which may include a processor and a memory storing computer executable instructions that, when executed, cause the computer to perform a method for identifying financial relationships and social relationships between customers of a business. The method for identifying financial relationship and social relationships between customers of a business may include determining one or more people with whom a first customer has conducted at least one financial transaction, electronically receiving customer data providing identities of customers of the business determining which of the one or more people are also customers of the business by comparing the one or more people with the customer data and compiling a subset of the one or more people including customers of the business with whom the first customer has conducted at least one financial transaction. The method may also include determining one or more people with whom a first customer has a social relationship. | 07-07-2011 |
20110208586 | Leveraging Demographic Data for Advertising Purposes - A computer assisted method selecting a potential audience for an advertisement wherein the method may include electronically receiving data relating to at least one financial transaction between a customer of an organization and a third party, electronically receiving data relating to at least one demographic of the customer, and using a demographic evaluation computer to determine a potential audience for an advertisement based on the financial transaction data and the demographic data. The method for determining a potential audience for an advertisement may include searching the electronically received demographic data for data that matches a first criterion which is related to the demographic data, searching the electronically received financial transaction data for data that matches a second criterion which is related to the financial transaction data, comparing the data that matches a first criterion with the data that matches the second criterion to determine which of the data matching the first criterion and the data matching the second criterion matches both the first and the second criterion, and compiling the data which matches both the first and the second criterion. | 08-25-2011 |
20110213690 | CARBON FOOTPRINT DETERMINATIONS - Described herein are various apparatuses, methods, and computer program products for providing a carbon-footprint modeling environment that determines a consumer's carbon footprint based on the consumer's acquisition of goods and/or services, as indicated by the consumer's transaction data. For example, the carbon-footprint modeling environment collects the consumer's transaction data for a predefined period of time and identifies transaction data that indicates the consumer's acquisition of goods and/or services that, when produced and/or consumed, result in greenhouse gas emissions. According to some embodiments, the carbon-footprint modeling environment categorizes goods and/or services into, for example, the following categories: transportation, housing, food, waste, and miscellaneous. Based on information gleaned from the consumer's transaction data, the modeling environment may determine the quantities of goods and services the consumer consumed in each of the categories and then apply conversion ratios to convert the respective quantities of goods and/or services consumed into units of greenhouse gas emissions. | 09-01-2011 |
Patent application number | Description | Published |
20120136807 | SYSTEM AND METHOD FOR FUNDING COMPANIES - A system and method for funding investment seeking companies (ISCs), e.g., startup companies, by a funding company is disclosed. For each of the ISCs, in exchange for private equity therein, the funding company issues a corresponding publicly tradable class of its own stock substantially based on the performance of the ISC. The ISCs are categorized according to characteristics important to investors, e.g., type of technology, revenue, and products or services (to be) offered so that ISCs in a same category compete against one another for funding distributions from the funding company. In particular, income returns on the investments of proceeds from public sales of each class of stock are periodically distributed among competing ISCs according to, e.g., the share prices of their corresponding class of funding company stocks. | 05-31-2012 |
20140129417 | SYSTEM AND METHOD FOR FUNDING COMPANIES - A system and method for funding investment seeking companies (ISCs), e.g., startup companies, by a funding company is disclosed. For each of the ISCs, in exchange for private equity therein, the funding company issues a corresponding publicly tradable class of its own stock substantially based on the performance of the ISC. The ISCs are categorized according to characteristics important to investors, e.g., type of technology, revenue, and products or services (to be) offered so that ISCs in a same category compete against one another for funding distributions from the funding company. In particular, income returns on the investments of proceeds from public sales of each class of stock are periodically distributed among competing ISCs according to, e.g., the share prices of their corresponding class of funding company stocks. | 05-08-2014 |