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| 20090299648 | Hydropathy Plots and Fourier Analysis with Ellipsoidal Distance Metric - Techniques for protein structure analysis are provided. In one aspect, an apparatus for characterizing at least a portion of a protein structure comprising amino acid residues is provided. A set of values characterizing the protein structure are determined, wherein each value represents a distance from a center of the protein structure to a center of a given one or more of the amino acid residues. One or more other sets of values characterizing the hydrophobicity of the protein structure are obtained. A Fourier transform is performed on each of the sets of values to obtain transformed values sets. The transformed value sets are compared to correlate the hydrophobicity with the protein structure. | 12-03-2009 |
| 20090299649 | Hydropathy Plots and Fourier Analysis with Ellipsoidal Distance Metric - Techniques for protein structure analysis are provided. In one aspect, an article of manufacture for characterizing at least a portion of a protein structure comprising amino acid residues is provided. A set of values characterizing the protein structure are determined, wherein each value represents a distance from a center of the protein structure to a center of a given one or more of the amino acid residues. One or more other sets of values characterizing the hydrophobicity of the protein structure are obtained. A Fourier transform is performed on each of the sets of values to obtain transformed values sets. The transformed value sets are compared to correlate the hydrophobicity with the protein structure. | 12-03-2009 |
| 20090306904 | Hydrophobic Moment of Multi-Domain Proteins - Techniques for protein structure analysis are provided. In one aspect, an apparatus for characterizing a multi-domain protein structure comprises the following steps. For at least one domain, a hydrophobic dipole, e.g., defined as a first-order hydrophobic moment of the domain, is calculated. A score representing the orientation of the hydrophobic dipole of the at least one domain relative to a hydrophobic dipole of one or more other domains of the multi-domain protein structure is then calculated. | 12-10-2009 |
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| 20080228601 | Techniques for Reconstructing Supply Chain Networks Using Pair-Wise Correlation Analysis - Techniques for reconstructing networks are provided. In one aspect, a method for reconstructing a synthetic network, such as a synthetic biological network, is provided. In another aspect, a method for reconstructing a supply chain network is provided. Exemplary supply chain networks include supply chains for petroleum distribution. | 09-18-2008 |
| 20080250002 | OBJECT CLASSIFICATION - Classification of objects using the best boolean expression that represents the most optimal combination of the underlying features is disclosed. | 10-09-2008 |
| 20080313135 | METHOD OF IDENTIFYING ROBUST CLUSTERING - A method of finding robust clusters comprises the use of principal component analysis and consensus ensemble clustering. In another aspect, the method may comprise normalizing a data set; identifying attributes of the data set that contribute to most of variation in the normalized data set; selecting data having the attributes that contribute to most of variation in the normalized data set; identifying a plurality of clusters from the selected data using consensus ensemble clustering; and identifying robust clusters from the plurality of clusters. The method can be used in healthcare and life science. | 12-18-2008 |
| 20090099788 | PROTEIN STRUCTURE ANALYSIS - Techniques for analyzing one or more protein structures. In one aspect of the invention, the technique comprises the following steps. A normalized second-order hydrophobic moment is determined for a protein structure. The normalized second-order hydrophobic moment is then used for analysis of the protein structure. A scoring function in accordance with the normalized second-order hydrophobic moment for the protein structure may be determined. A score for the protein structure may then be generated using the scoring function. The scoring function may represent an integral of the normalized second-order hydrophobic moment. The scores may be generated for a plurality of protein structures. The scores generated for the plurality of protein structures may then be compared. | 04-16-2009 |
| 20110231108 | PROTEIN STRUCTURE ANALYSIS - Techniques for analyzing one or more protein structures. In one aspect of the invention, the technique comprises the following steps. A normalized second-order hydrophobic moment is determined for a protein structure. The normalized second-order hydrophobic moment is then used for analysis of the protein structure. A scoring function in accordance with the normalized second-order hydrophobic moment for the protein structure may be determined. A score for the protein structure may then be generated using the scoring function. The scoring function may represent an integral of the normalized second-order hydrophobic moment. The scores may be generated for a plurality of protein structures. The scores generated for the plurality of protein structures may then be compared. | 09-22-2011 |
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| 20080208746 | MANAGEMENT OF FINANCIAL TRANSACTIONS USING DEBIT NETWORKS - Methods and systems are disclosed of enrolling a customer to perform an action. A first piece of information is received at an authentication processor from an over-the-air processor. The first piece of information was provided to the over-the-air processor by the customer from a mobile electronic device. A second piece of information is received at the authentication processor from a server different from the over-the-air processor. The second piece of information was provided to the server by the customer. The first and second pieces of information are associated by the authentication processor to enroll the customer. | 08-28-2008 |
| 20080208759 | PROCESSING OF FINANCIAL TRANSACTIONS USING DEBIT NETWORKS - Methods and systems are disclosed for executing financial transactions between customers and merchants. An identifier of a financial account is received from the customer at a merchant system. A one-time password is also received from the customer at the merchant system, with the customer having been provided with the one-time password by a mobile electronic device or contactless presentation instrument. A cryptogram is generated to included the identifier of the financial account encrypted using the one-time password. An authorization request is formulated at the merchant system. The authorization request includes the cryptogram and transaction information describing at least a portion of the financial transaction. The authorization request is transmitted from the merchant system to an authorization processor for authorization of the financial transaction. | 08-28-2008 |
| 20110153461 | ENROLLMENT AUTHENTICATION WITH ENTRY OF PARTIAL PRIMARY ACCOUNT NUMBER (PAN) - This disclosure describes, generally, methods and systems for implementing enrollment authentication. The method includes receiving from a customer a partial PAN and an issuing financial institution. Further, based on transaction history related to the partial PAN, the method presents challenge questions to the customer, receive answers to the challenge questions. Then, based on the partial PAN, the issuing financial institution, and the answers to the challenge questions, a complete PAN may be resolved. The method includes prompting the customer to select a mutual trust phrase, receiving the selected mutual trust phrase, and placing a call from an interactive voice response (IVR) system to the customer. Further, the method includes playing back to the customer the selected mutual challenge phrase, receiving, from a telephone (e.g., entered on touch-tone keypad or spoken and translated to text), the customer's PIN associated with the complete PAN, and using the complete PAN and PIN combination to authenticate the customer. | 06-23-2011 |
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| 20090106134 | APPLICANT AUTHENTICATION - A method of authenticating an applicant. A history is obtained of transactions performed on an account held by the applicant and for which the applicant has been previously authenticated. The transaction history includes information about each transaction. The applicant is asked one or more questions relating to the information in the history. Answers to the one or more questions are received from the applicant, and a decision is made based on the received answers and the transaction history whether the applicant is authenticated. The applicant may be applying for enrollment in a service, and enrollment may be accepted or declined based on whether the applicant is authenticated. The account may relate to a payment instrument, and the authentication may be performed by an entity other than the issuer of the payment instrument. | 04-23-2009 |
| 20090178120 | ELECTRONIC VERIFICATION SERVICE SYSTEMS AND METHODS - Systems and methods for authenticating an applicant. In one implementation, the applicant indicates to an acquirer an existing account for which the applicant wishes to be authenticated. The acquirer sends a message over an electronic funds transfer (EFT) network to an issuer of the account requesting a set of questions to ask the applicant. The issuer replies with a set of questions. The acquirer asks the applicant the questions, and forwards the applicant's answers to the issuer. The issuer compares the answers with known information relating to the account and decides, based on the comparison, whether the applicant is authenticated. The issuer then communicates its decision to the acquirer. Preferably, the messages and their associated replies are added to the set of messages handled by the EFT network, so that authentication may be handled in a standardized way without proliferating applicants' secret information. | 07-09-2009 |
| 20100051685 | ENABLING CONSUMER CHOICE ON CONTACTLESS TRANSACTIONS WHEN USING A DUAL-BRANDED PAYMENT INSTRUMENT - The embodiments presented herein provide for systems and methods for allowing different types of transactions, e.g., credit or debit transactions, over different payment networks, e.g., Visa or STAR networks, using contactless payment devices. In embodiments, a merchant and/or consumer can select if he or she wants a debit or credit transaction. The merchant point-of-sale (POS) device can process these choices and transmit the request to the contactless payment device. In embodiments, the contactless payment device includes two or more applications (one for credit transactions and one for debit transactions) for conducting transactions and transmitting the requested information to the merchant POS device. The merchant POS device can then use the information received from the contactless payment device to complete the transaction over the requested network. | 03-04-2010 |
| 20100185545 | DYNAMIC PRIMARY ACCOUNT NUMBER (PAN) AND UNIQUE KEY PER CARD - Methods, systems, and machine-readable media are disclosed for handling information related to a financial transaction including utilizing dynamic cryptograms. According to one embodiment, a method of processing a financial transaction related to a financial account can comprise detecting initiation of the transaction with a device used as a presentation instrument in the transaction. A Dynamic Transaction Cryptogram (DTC) and a dynamic PAN can be generated at the device. The DTC can be used to authenticate the transaction and the dynamic PAN can comprise an encrypted form of a real PAN of the financial account that is valid for a single transaction. The DTC and the dynamic PAN can be provided by the device for use in the transaction. | 07-22-2010 |
| 20100191633 | SYSTEMS AND METHODS FOR FINANCIAL ACCOUNT ACCESS FOR A MOBILE DEVICE VIA A GATEWAY - Systems and methods for providing secure access of at least one of multiple financial account processors to a mobile device and/or facilitating secure financial transactions initiated from a mobile device via a gateway. One method can include receiving a mobile personal identification number (M-PIN) number and Customer Unique Identifier (CUID) from a mobile device and processing the received M-PIN and CUID to identify a Mobile Unique Identifier (MUID). The MUID identifies an account of at least one financial account processor accessible via a gateway, and the mobile device is provided access to the account through the gateway. Prior to providing the mobile device with access to the account, a set of inquiries associated with the identified financial account processor(s) may be presented to the mobile device, and response information from the mobile device to answer the set of inquiries may be verified at the gateway. The mobile device is provided access to the financial account processor after the response information is verified. | 07-29-2010 |
| 20110153496 | AUTHENTICATION OF CARD-NOT-PRESENT TRANSACTIONS - Methods, systems, and machine-readable media are disclosed for processing a card-not-present transaction. According to one embodiment, processing a card-not-present transaction can comprise receiving a request for a card-not-present transaction involving an enrolled consumer. The request can include information identifying the enrolled consumer. A record of information related to the enrolled consumer can be read and the enrolled consumer can be authenticated based at least in part on the information of the request and the record of information related to the enrolled consumer. In response to authenticating the enrolled consumer, a set of single-use payment information can be generated which can include a one-time password and a dynamic Primary Account Number (PAN) which is valid for a single transaction. The single-use payment information can be provided to the enrolled consumer or the merchant to complete the transaction in place of the true PAN. | 06-23-2011 |
