公开(公告)号：US20080215388A1

公开(公告)日：2008-09-04

申请号：US11557890

申请日：2006-11-08

Applicant: John Miri ,  Jarod Belshaw ,  Samuel Jesse Farley ,  Colin Hendricks ,  Paul Kaisharis ,  Corey Heath ,  Mark Silhavy ,  Misbah Abassi ,  Dan Reid ,  Cynthia Haynie

Inventor： John Miri ,  Jarod Belshaw ,  Samuel Jesse Farley ,  Colin Hendricks ,  Paul Kaisharis ,  Corey Heath ,  Mark Silhavy ,  Misbah Abassi ,  Dan Reid ,  Cynthia Haynie

IPC: G06Q10/00

CPC classification number: G06Q10/10 ,  G06Q10/06 ,  G06Q20/10 ,  G06Q20/4016 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/08 ,  Y10S707/99943

Abstract: Software aggregates and integrates credit exposure and credit data across accounting, trading and operational systems within an organization and generates views of available credit in light of the exposure and credit limits. A comprehensive model of exposure to all counterparties, across all of their divisions and subsidiaries, is assembled, enabling the creation of a hierarchical view of each counterparty that models its real-world parent-child relationships. Credit limits are set across the enterprise, supporting the organization's unique methodology and business process, and on a granular basis, incorporating factors such as external credit ratings, internal credit scores, commodity, geographic region, deal duration, and security instruments. Credit, transactions, and risk are then determined at any level in the hierarchy. After aggregating exposure and credit limit information, the system presents a comprehensive, detailed, real-time, enterprise-wide view of current exposure, collateral requirements and available credit for both a company and its counterparties, making it easy for users to identify trouble spots by counterparty, geography, industry, and credit rating and to manage the company's liquidity.

Abstract translation: 软件将组织内的会计，交易和运营系统的信用风险和信用数据整合在一起，并根据风险敞口和信贷限额产生可用信贷的观点。 组合了所有交易对手的所有部门和子公司的综合敞口模式，从而能够建立每个交易对手层级视图，模拟其现实世界的亲子关系。 整个企业设定信用额度，支持组织的独特方法和业务流程，并在细化的基础上纳入外部信用评级，内部信用评分，商品，地理区域，交易期限和安全工具等因素。 信用，交易和风险随后在层级中的任何级别确定。 在总结曝光和信用限额信息后，系统会对公司及其交易对手提供全面，详细，实时的企业范围的当前曝光，抵押要求和可用信用额度，从而方便用户识别故障点 通过交易对手，地理，行业和信用评级，并管理公司的流动性。

公开(公告)号：US20090013076A1

公开(公告)日：2009-01-08

申请号：US12170349

申请日：2008-07-09

Applicant: Michael Phillips ,  Colin Hendricks

Inventor： Michael Phillips ,  Colin Hendricks

IPC: G06F15/173

CPC classification number: G07F17/0014 ,  G06Q20/123 ,  G06Q20/127 ,  G06Q20/14 ,  G06Q30/04 ,  G06Q50/32

Abstract: Systems for regulating Internet access at libraries are provided herein. In one embodiment, the system comprises a first computer having a user interface in communication with a network and a library card database, wherein the first computer is configured to compare library card information stored in the library card database. This system further comprises a second computer having a second interface in communication with the network and a transaction database, wherein the second computer is configured to compare user information stored in the transaction database. Also provided are methods for using the same.

Abstract translation: 本文提供了用于调节图书馆互联网访问的系统。 在一个实施例中，系统包括具有与网络通信的用户界面的第一计算机和库卡数据库，其中第一计算机被配置为比较存储在库卡数据库中的库卡信息。 该系统还包括具有与网络通信的第二接口和交易数据库的第二计算机，其中第二计算机被配置为比较存储在交易数据库中的用户信息。 还提供了使用它们的方法。

公开(公告)号：US20060129563A1

公开(公告)日：2006-06-15

申请号：US11297984

申请日：2005-12-10

Applicant: Michael Phillips ,  Colin Hendricks

Inventor： Michael Phillips ,  Colin Hendricks

IPC: G06F17/30

CPC classification number: G07F17/0014 ,  G06Q20/123 ,  G06Q20/127 ,  G06Q20/14 ,  G06Q30/04 ,  G06Q50/32

Abstract: A method of providing metered Internet access, includes a user sits down at a client computer, the user chooses a payment method, the user's payment method is validated by a remote transaction server, and the user is provided access to the Internet. A method of providing metered Internet access at public libraries based on configurable time limits and reservations, includes a user sits down at a client computer, the user enters their library card number, the user's number is verified against the library's library card database and against a remote transaction server that verifies the number of minutes allotted to that user, and the user is provided access to the Internet.

Abstract translation: 一种提供计量的因特网接入的方法，包括在客户端计算机上坐下的用户，用户选择支付方法，用户的支付方法由远程交易服务器验证，并且向用户提供对因特网的访问。 一种基于可配置的时间限制和预约在公共图书馆提供计量的因特网访问的方法，包括在客户端计算机上坐下的用户，用户输入他们的图书馆卡号，用户的号码根据图书馆的图书馆卡数据库进行验证 远程事务服务器，其验证分配给该用户的分钟数，并且向用户提供对因特网的访问。

公开(公告)号：US20050125341A1

公开(公告)日：2005-06-09

申请号：US10942196

申请日：2004-09-16

Applicant: John Miri ,  Jarod Belshaw ,  Samuel Farley ,  Colin Hendricks ,  Paul Kaisharis ,  Corey Heath ,  Mark Silhavy ,  Misbah Abassi ,  Eddie Meche ,  Dan Reid ,  Cynthia Haynie

Inventor： John Miri ,  Jarod Belshaw ,  Samuel Farley ,  Colin Hendricks ,  Paul Kaisharis ,  Corey Heath ,  Mark Silhavy ,  Misbah Abassi ,  Eddie Meche ,  Dan Reid ,  Cynthia Haynie

IPC: G06F20060101 ,  G06F17/60

CPC classification number: G06Q10/10 ,  G06Q10/06 ,  G06Q20/10 ,  G06Q20/4016 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/08 ,  Y10S707/99943

Abstract: Software aggregates and integrates credit exposure data across accounting, trading and operational systems within an energy trading organization. A comprehensive model of exposure to all counterparties, across all of their divisions and subsidiaries, is then assembled, enabling the creation of a hierarchical view of each counterparty that models its real-world parent-child relationships, and taking into account netting, setoff, and margin requirements, collateral requirements and contract terms, internal and external views of exposure and liquidity, and risk concentrations based on both system and user-defined risk categories. After aggregating the exposure information, credit, transactions, risk and other properties are determined at any level in the hierarchy and then the system presents a comprehensive, detailed, real-time, enterprise-wide view of current exposure, collateral requirements and outlays for both a company and its counterparties. Walkforward views of potential credit exposure taking into account current and future prices and volumes are also provided.

Abstract translation: 软件将能量交易组织内的会计，交易和运营系统的信用风险数据整合在一起。 然后组合对所有对手方的所有部门和子公司的综合暴露模型，从而创建每个对手方的层次视图，模拟其现实世界的亲子关系，并考虑到净额结算，扣除， 保证金要求，抵押品要求和合同条款，暴露和流动性的内部和外部观点以及基于系统和用户定义的风险类别的风险集中度。 汇总风险信息后，信贷，交易，风险和其他财产在层次结构中的任何级别确定，然后系统提供全面，详细，实时的企业范围的当前风险敞口，抵押品要求和支出 一家公司及其交易对手。 还提供了考虑到当前和未来价格和数量的潜在信用风险的前瞻性观点。

公开(公告)号：US20100100440A1

公开(公告)日：2010-04-22

申请号：US12580789

申请日：2009-10-16

Applicant: Ranzell Nickelson, III ,  James Kendall Mayes ,  James Lee Prather ,  Richard Lee Fox ,  Colin Hendricks

Inventor： Ranzell Nickelson, III ,  James Kendall Mayes ,  James Lee Prather ,  Richard Lee Fox ,  Colin Hendricks

IPC: G06Q30/00 ,  G06F17/30

CPC classification number: G06Q30/0273 ,  G06Q30/02 ,  G06Q30/0254

Abstract: Embodiments disclosed herein can directly compensate Web users for viewing ads. In some embodiments, this is achieved by Ad player software. In some embodiments, the Ad player may be hosted on a server machine, implemented as a client-side application, or integrated into a Web site. In some embodiments, the Ad player may be operable to allow a user to login to the player, track the ads shown to the user, and directly compensate the user. The ads are selectively presented to the users based on information about the users. In some embodiments, at least a portion of the information about a user is provided by the user and stored in a designated MeFile. In some embodiments, advertisers may define ad campaigns based on information derived from the MeFiles. In some embodiments, advertisers may bid for the attention of Web users and the Ad player may list ads per bid price.

Abstract translation: 本文公开的实施例可以直接补偿网络用户观看广告。 在一些实施例中，这是通过广告播放器软件实现的。 在一些实施例中，广告播放器可以被托管在服务器机器上，被实现为客户端应用，或被集成到网站中。 在一些实施例中，广告播放器可操作以允许用户登录到播放器，跟踪向用户显示的广告，并直接补偿用户。 根据有关用户的信息有选择地向用户呈现广告。 在一些实施例中，关于用户的信息的至少一部分由用户提供并存储在指定的MeFile中。 在一些实施例中，广告商可以基于从MeFiles导出的信息定义广告活动。 在一些实施例中，广告商可以出价Web用户的注意力，并且广告播放器可以按每个出价价格列出广告。

公开(公告)号：US07571138B2

公开(公告)日：2009-08-04

申请号：US10942185

申请日：2004-09-16

Applicant: John Miri ,  Jarod Belshaw ,  Samuel Jesse Farley ,  Colin Hendricks ,  Paul Kaisharis ,  Corey Heath ,  Mark Silhavy ,  Misbah Abassi ,  Dan Reid ,  Cynthia Haynie

Inventor： John Miri ,  Jarod Belshaw ,  Samuel Jesse Farley ,  Colin Hendricks ,  Paul Kaisharis ,  Corey Heath ,  Mark Silhavy ,  Misbah Abassi ,  Dan Reid ,  Cynthia Haynie

IPC: G06Q40/00

CPC classification number: G06Q10/10 ,  G06Q10/06 ,  G06Q20/10 ,  G06Q20/4016 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/08 ,  Y10S707/99943

Abstract: Software aggregates and integrates credit exposure and credit data across accounting, trading and operational systems within an organization and generates views of available credit in light of the exposure and credit limits. A comprehensive model of exposure to all counterparties, across all of their divisions and subsidiaries, is assembled, enabling the creation of a hierarchical view of each counterparty that models its real-world parent-child relationships. Credit limits are set across the enterprise, supporting the organization's unique methodology and business process, and on a granular basis, incorporating factors such as external credit ratings, internal credit scores, commodity, geographic region, deal duration, and security instruments. Credit, transactions, and risk are then determined at any level in the hierarchy. After aggregating exposure and credit limit information, the system presents a comprehensive, detailed, real-time, enterprise-wide view of current exposure, collateral requirements and available credit for both a company and its counterparties, making it easy for users to identify trouble spots by counterparty, geography, industry, and credit rating and to manage the company's liquidity.

Abstract translation: 软件将组织内的会计，交易和运营系统的信用风险和信用数据整合在一起，并根据风险敞口和信贷限额产生可用信贷的观点。 组合了所有交易对手的所有部门和子公司的综合敞口模式，从而能够建立每个交易对手层级视图，模拟其现实世界的亲子关系。 整个企业设定信用额度，支持组织的独特方法和业务流程，并在细化的基础上纳入外部信用评级，内部信用评分，商品，地理区域，交易期限和安全工具等因素。 信用，交易和风险随后在层级中的任何级别确定。 在总结曝光和信用限额信息后，系统会对公司及其交易对手提供全面，详细，实时的企业范围的当前曝光，抵押要求和可用信用额度，从而方便用户识别故障点 通过交易对手，地理，行业和信用评级，并管理公司的流动性。

公开(公告)号：US20050114244A1

公开(公告)日：2005-05-26

申请号：US10942185

申请日：2004-09-16

Applicant: John Miri ,  Jarod Belshaw ,  Samuel Farley ,  Colin Hendricks ,  Paul Kaisharis ,  Corey Heath ,  Mark Silhavy ,  Misbah Abassi ,  Dan Reid ,  Cynthia Haynie

Inventor： John Miri ,  Jarod Belshaw ,  Samuel Farley ,  Colin Hendricks ,  Paul Kaisharis ,  Corey Heath ,  Mark Silhavy ,  Misbah Abassi ,  Dan Reid ,  Cynthia Haynie

IPC: G06F20060101 ,  G06F17/60

CPC classification number: G06Q10/10 ,  G06Q10/06 ,  G06Q20/10 ,  G06Q20/4016 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/08 ,  Y10S707/99943

Abstract: Software aggregates and integrates credit exposure and credit data across accounting, trading and operational systems within an organization and generates views of available credit in light of the exposure and credit limits. A comprehensive model of exposure to all counterparties, across all of their divisions and subsidiaries, is assembled, enabling the creation of a hierarchical view of each counterparty that models its real-world parent-child relationships. Credit limits are set across the enterprise, supporting the organization's unique methodology and business process, and on a granular basis, incorporating factors such as external credit ratings, internal credit scores, commodity, geographic region, deal duration, and security instruments. Credit, transactions, and risk are then determined at any level in the hierarchy. After aggregating exposure and credit limit information, the system presents a comprehensive, detailed, real-time, enterprise-wide view of current exposure, collateral requirements and available credit for both a company and its counterparties, making it easy for users to identify trouble spots by counterparty, geography, industry, and credit rating and to manage the company's liquidity.

Abstract translation: 软件将组织内的会计，交易和运营系统的信用风险和信用数据整合在一起，并根据风险敞口和信贷限额产生可用信贷的观点。 组合了所有交易对手的所有部门和子公司的综合敞口模式，从而能够建立每个交易对手层级视图，模拟其现实世界的亲子关系。 整个企业设定信用额度，支持组织的独特方法和业务流程，并在细化的基础上纳入外部信用评级，内部信用评分，商品，地理区域，交易期限和安全工具等因素。 信用，交易和风险随后在层级中的任何级别确定。 在总结曝光和信用限额信息后，系统会对公司及其交易对手提供全面，详细，实时的企业范围的当前曝光，抵押要求和可用信用额度，从而方便用户识别故障点 通过交易对手，地理，行业和信用评级，并管理公司的流动性。

公开(公告)号：US07890398B2

公开(公告)日：2011-02-15

申请号：US11557890

申请日：2006-11-08

Applicant: John Miri ,  Jarod Belshaw ,  Samuel Jesse Farley ,  Colin Hendricks ,  Paul Kaisharis ,  Corey Heath ,  Mark Silhavy ,  Misbah Abassi ,  Dan Reid ,  Cynthia Haynie

Inventor： John Miri ,  Jarod Belshaw ,  Samuel Jesse Farley ,  Colin Hendricks ,  Paul Kaisharis ,  Corey Heath ,  Mark Silhavy ,  Misbah Abassi ,  Dan Reid ,  Cynthia Haynie

IPC: G06Q40/10

CPC classification number: G06Q10/10 ,  G06Q10/06 ,  G06Q20/10 ,  G06Q20/4016 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/08 ,  Y10S707/99943

Abstract: Software aggregates and integrates credit exposure and credit data across accounting, trading and operational systems within an organization and generates views of available credit in light of the exposure and credit limits. A comprehensive model of exposure to all counterparties, across all of their divisions and subsidiaries, is assembled, enabling the creation of a hierarchical view of each counterparty that models its real-world parent-child relationships. Credit limits are set across the enterprise, supporting the organization's unique methodology and business process, and on a granular basis, incorporating factors such as external credit ratings, internal credit scores, commodity, geographic region, deal duration, and security instruments. Credit, transactions, and risk are then determined at any level in the hierarchy. After aggregating exposure and credit limit information, the system presents a comprehensive, detailed, real-time, enterprise-wide view of current exposure, collateral requirements and available credit for both a company and its counterparties, making it easy for users to identify trouble spots by counterparty, geography, industry, and credit rating and to manage the company's liquidity.

Abstract translation: 软件将组织内的会计，交易和运营系统的信用风险和信用数据整合在一起，并根据风险敞口和信用额度产生可用信贷的观点。 组合了所有交易对手的所有部门和子公司的综合敞口模式，从而能够建立每个交易对手层级视图，模拟其现实世界的亲子关系。 整个企业设定信用额度，支持组织的独特方法和业务流程，并在细化的基础上纳入外部信用评级，内部信用评分，商品，地理区域，交易期限和安全工具等因素。 信用，交易和风险随后在层级中的任何级别确定。 在总结曝光和信用限额信息后，系统会对公司及其交易对手提供全面，详细，实时的企业范围的当前曝光，抵押要求和可用信用额度，从而方便用户识别故障点 通过交易对手，地理，行业和信用评级，并管理公司的流动性。