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1. 发明授权

US08086617B2 Link analysis mapping program risk management 有权
标题翻译：链接分析绘图程序风险管理
公开(公告)号：US08086617B2
公开(公告)日：2011-12-27
申请号：US12785387
申请日：2010-05-21
申请人： J. Gilmore Childers , David Lawrence
发明人： J. Gilmore Childers , David Lawrence
IPC分类号： G06F17/30
CPC分类号： G06Q40/08 , G06Q10/10 , G06Q40/06 , G06Q50/01
摘要： A method and system for managing risk by indicating links between one or more persons or entities which can include a process that gathers information about individuals and organizations into a computerized system where it can be analyzed to associate one or more individuals or organizations with links to other individuals or organizations. A user can designate a person or entity and the system will provide an indication of linkages associated with the designated person. Some embodiments can include a user specifying a particular type of link or limit links to a specified degree of separation between the designated person and any other person or entity.
摘要翻译：通过指示一个或多个个人或实体之间的链接来管理风险的方法和系统，其可以包括将个人和组织的信息收集到计算机化系统中的过程，其中可以对其进行分析，以将一个或多个个人或组织链接到其他个人或组织。用户可以指定个人或实体，并且系统将提供与指定的人相关联的链接的指示。一些实施例可以包括指定特定类型的链接或限制链接到指定的人与任何其他个人或实体之间的特定分离程度的用户。

2. 发明授权

US08271301B1 Method of providing insurance 有权
标题翻译：提供保险的方法
公开(公告)号：US08271301B1
公开(公告)日：2012-09-18
申请号：US11757284
申请日：2007-06-01
申请人： Craig K. Nordyke , Bret Benham
发明人： Craig K. Nordyke , Bret Benham
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08
摘要： This disclosure details the implementation of methods for providing a permanent life insurance policy, such as a universal life or variable universal life insurance policy, that may provide a level cost of insurance and may be marketed to clients of an asset manager. A need exists for a life insurance policy that provides level cost of insurance rates for a specific duration, while providing a death benefit and a cash value. The instant invention provides a method and an insurance policy that addresses these and other issues. In some embodiments, the level cost of insurance rate for a universal or variable universal life insurance policy may be provided for a fixed period of time and determined based on the corresponding cost of insurance rate for a comparable term life insurance policy having a term substantially similar to that fixed period of time. In further embodiments, the asset manager may receive compensation for advising the client based on the total value of assets in the insurance policy.
摘要翻译：本披露详细说明了提供永久人寿保险政策（例如普遍生活或可变全球人寿保险）的方法的实施，可能提供水平的保险成本，并可向资产管理者的客户进行上市。需要一种人寿保险政策，提供特定期限的保险费用水平成本，同时提供死亡福利和现金价值。本发明提供了解决这些和其他问题的方法和保险单。在一些实施例中，普遍或可变全球人寿保险的保险费水平成本可以在固定时间段内提供，并且基于具有术语大致相似的可比较的人寿保险的相应保险费用成本确定到那段固定的时间。在进一步的实施例中，资产管理者可以基于保险单中的资产的总价值来接收对客户建议的补偿。

3. 发明授权

US08103570B1 System and method for creating and trading near one delta securities 有权
标题翻译：在一个三角洲证券附近创造和交易的制度和方法
公开(公告)号：US08103570B1
公开(公告)日：2012-01-24
申请号：US11762641
申请日：2007-06-13
申请人： Steven Harris Strongin, II , Sheila Patel
发明人： Steven Harris Strongin, II , Sheila Patel
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06 , G06Q40/04
摘要： A financial instrument is disclosed that provides spread exposure to volatility in an underlying security within an upper and lower range of prices. This is accomplished by combining a long option for the underlying security at one strike price and a short option for the underlying security at a different strike price, where difference between the two prices creates the spread exposure and the choice of option type for the high and low strikes determines whether the overall spread is short or long. The financial instrument is then priced such that the cost of the instrument prevents any possible negative value total returns at the exercise date of the underlying options. In other words, the option spread creates a lower limit on the possible downside risk in the transaction and the purchase price insures that at inception the financial instrument has no possible negative values. In this way, options market trading can be accomplished without requiring additional collateral, credit or insurance. Accordingly, such an instrument provides near one delta financial exposure.
摘要翻译：披露了一项金融工具，其在价格上下范围内提供了基础证券的波动性。这是通过将一个执行价格的基础证券的长期期权与不同执行价格的基础证券的短期期权相结合，两种价格之间的差异创造了差价敞口和期权类型为高和低罢工决定总体差距是短还是长。然后，该金融工具的定价使得该工具的成本在基本期权的行使日期阻止任何可能的负值总回报。换句话说，期权价差对交易中的可能的下行风险创造了一个下限，购买价格保证了金融工具初期没有可能的负值。以这种方式，期权市场交易可以实现，而不需要额外的抵押品，信用或保险。因此，这种工具提供近一个三角洲金融风暴。

4. 发明授权

US08175973B2 Internet payment, authentication and loading system using virtual smart card 有权
标题翻译：互联网支付，使用虚拟智能卡的认证和加载系统
公开(公告)号：US08175973B2
公开(公告)日：2012-05-08
申请号：US13022431
申请日：2011-02-07
申请人： Virgil M. Davis , Suzanne C. Cutino , Margaret Reid , Steve R. Hoffman
发明人： Virgil M. Davis , Suzanne C. Cutino , Margaret Reid , Steve R. Hoffman
IPC分类号： G06Q40/00
CPC分类号： G06Q30/0233 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/105 , G06Q20/12 , G06Q20/351 , G06Q30/0225
摘要： A system loads, authenticates and uses a virtual smart card for payment of goods and/or services purchased on-line over the Internet. An online purchase and load (OPAL) server includes a virtual smart card data base that has a record of information for each smart card that it represents for a user at the behest of an issuer. The server includes a smart card emulator that emulates a smart card by using the card data base and a hardware security module. The emulator interacts with a pseudo card reader module in the server that imitates a physical card reader. The server also includes a client code module that interacts with the pseudo card reader and a remote payment or load server. A pass-through client terminal presents a user interface and passes information between the OPAL server and a merchant server, and between the OPAL server and a bank server. The Internet provides the routing functionality between the client terminal and the various servers. A merchant advertises goods on a web site. A user uses the client terminal to purchase goods and/or services from the remote merchant server. The payment server processes, confirms and replies to the merchant server. The payment server is also used to authenticate the holder of a virtual card who wishes to redeem loyalty points from a merchant. To load value, the client terminal requests a load from a user account at the bank server. The load server processes, confirms and replies to the bank server.
摘要翻译：系统加载，验证和使用虚拟智能卡来支付在互联网上在线购买的商品和/或服务。在线购买和加载（OPAL）服务器包括虚拟智能卡数据库，其具有针对发卡人的要求为用户代表的每个智能卡的信息记录。服务器包括智能卡仿真器，它通过使用卡数据库和硬件安全模块来仿真智能卡。仿真器与模拟物理读卡器的服务器中的伪读卡器模块进行交互。服务器还包括与伪读卡器和远程支付或加载服务器交互的客户端代码模块。传递客户终端提供用户界面，并在OPAL服务器和商家服务器之间以及OPAL服务器和银行服务器之间传递信息。因特网提供客户终端和各种服务器之间的路由功能。商家在网站上刊登商品。用户使用客户终端从远程商家服务器购买商品和/或服务。支付服务器处理，确认和回复商家服务器。支付服务器还用于认证希望从商家兑换忠诚积分的虚拟卡的持有人。要加载值，客户终端从银行服务器的用户帐户请求一个负载。负载服务器处理，确认并回复银行服务器。

5. 发明授权

US08156151B2 Apparatus, method and system for tracking information access 有权
标题翻译：用于跟踪信息访问的装置，方法和系统
公开(公告)号：US08156151B2
公开(公告)日：2012-04-10
申请号：US12760357
申请日：2010-04-14
申请人： David Sidman
发明人： David Sidman
IPC分类号： G06F17/30
CPC分类号： G06F21/31 , G06F21/10 , G06F21/62 , G06F2221/2101 , G06F2221/2117 , H04L63/04 , H04L63/08 , H04L63/0823 , H04L63/083 , H04L63/102
摘要： An apparatus, method and system to track information access over a communications network. The present disclosure teaches how to associate access credentials with content accesser in a global and persistent manner. Both content and people are registered with a Digital Object Identifier (DOI) handle system (1603). Furthermore, security and other information such as certificates, personal records, encryption keys, and all other objects involved in such transactions may also be registered with a DOI in the handle system and/or may be associated with another DOI as one of the multiple-resolution pointers contained in a DOI record. A right clearinghouse (1604) then maintains a rights database associated content rights with content accessers by DOIs. The association of people, i.e., content accessers, with digital object identifiers further ensures that content and accessers may be mapped in a manner allowing for the secure tracking of content access.
摘要翻译：一种通过通信网络跟踪信息访问的装置，方法和系统。本公开教导如何以全局和持续方式将访问凭证与内容访问器相关联。内容和人都用数字对象标识符（DOI）句柄系统（1603）注册。此外，诸如证书，个人记录，加密密钥以及涉及此类交易的所有其他对象的安全性和其他信息也可以在句柄系统中向DOI注册和/或可以与另一个DOI相关联， DOI记录中包含的分辨率指针。权利交换所（1604）然后由DOI维护与内容访问者的权限数据库相关的内容权限。人们（即，内容访问者）与数字对象标识符的关联进一步确保可以以允许内容访问的安全跟踪的方式映射内容和访问者。

6. 发明授权

US08126800B2 Public offering risk management 有权
标题翻译：公开发行风险管理
公开(公告)号：US08126800B2
公开(公告)日：2012-02-28
申请号：US10801238
申请日：2004-03-15
申请人： David Lawrence
发明人： David Lawrence
IPC分类号： G06Q40/00
CPC分类号： G06Q40/04 , G06Q40/00 , G06Q40/06 , G06Q40/08
摘要： The present invention provides an auction system that allows IPO sales to be offered in an open and transparent manner, wherein, a certain percentage (up to 100%) of shares in an IPO can be offered to qualified bidders at a “buy now” pre-auction price, set by an issuer and/or underwriter. Investors can be allowed to “bid some shares out of the auction process” and thus guarantee those investors' allocation while also allowing bidders to participate in an open auction for other shares. Shares of stock to be offered in an IPO can include a subset of pre-auction price shares and a subset of auction price shares. The pre-auction price shares are offered to pre-auction bidders at a pre-auction price, and auction shares are generally sold to the highest bidder. Pre-auction sales can serve as a catalyst for generating enthusiasm for an associated IPO auction.
摘要翻译：本发明提供一种拍卖系统，其允许以公开和透明的方式提供上市销售，其中，可以以“现在购买”预先向合格的投标者提供上市的一定百分比（高达100％）的股份 - 发行人和/或承销商设定的价格。可以允许投资者“从拍卖过程中出价”，从而保证投资者的分配，同时允许投标人参与其他股票的公开竞价。在IPO上提供股票的股票可以包括拍卖前价格份额的一部分和拍卖价格份额的一部分。拍卖前拍卖价格以拍卖前拍卖价格提供给拍卖前投标人，拍卖股一般卖给最高出价者。拍卖前的拍卖可以作为促成相关IPO拍卖的热情的催化剂。

7. 发明授权

US08095554B1 Global inventory warehouse 有权
标题翻译：全球库存仓库
公开(公告)号：US08095554B1
公开(公告)日：2012-01-10
申请号：US12571217
申请日：2009-09-30
申请人： Melvin Lew , Syed Husain , Perry Fotinatos
发明人： Melvin Lew , Syed Husain , Perry Fotinatos
IPC分类号： G06F17/30
CPC分类号： G06Q10/087 , G06F17/3033 , G06F17/30424 , G06F17/30539 , G06F17/30592 , Y10S707/99937
摘要： Building and maintaining an accurate and up-to-date global inventory of hardware, software, and telecommunications assets deployed throughout an organization is described. A global inventor warehouse (GIW) receives an identification and physical location of these assets from multiple source systems. Some of these source systems contain information pertaining to the assets that has been manually entered into the source system by a human administrator. Other source systems, meanwhile, contain information that has been automatically collected by the source systems without human intervention. The GIW receives this information from the source systems and stores it within a GIW database. The GIW database may thus contain a global inventory of all or nearly all of the hardware, software, and telecommunications assets distributed throughout the organization. This database may also contain an identification of physical locations within the organization of all or substantially all of these assets.
摘要翻译：描述了在整个组织中部署的硬件，软件和电信资产的建立和维护准确和最新的全球库存。全球发明商仓库（GIW）从多个源系统接收这些资产的识别和物理位置。其中一些源系统包含有关由人事管理员手动输入到源系统的资产的信息。同时，其他源系统包含源系统自动收集的信息，而无需人为干预。 GIW从源系统接收该信息并将其存储在GIW数据库中。因此，GIW数据库可能包含分布在整个组织中的所有或几乎所有硬件，软件和电信资产的全局清单。该数据库还可以包含组织中所有或基本上所有这些资产的物理位置的标识。

8. 发明授权

US08069105B2 Hedge fund risk management 有权
标题翻译：对冲基金风险管理
公开(公告)号：US08069105B2
公开(公告)日：2011-11-29
申请号：US10464168
申请日：2003-06-17
申请人： David Lawrence
发明人： David Lawrence
IPC分类号： G06Q40/00
CPC分类号： G06Q30/02 , G06Q40/00 , G06Q40/025 , G06Q40/04 , G06Q40/06 , G06Q40/08
摘要： A computerized method and system for managing risk associated with a Hedge Fund is disclosed. Information relating to Hedge Funds is gathered and stored as data in preparation for a risk inquiry search relating to a Hedge Fund. Documents and sources of information can also be stored. A subscriber, such as a Financial Institution, can submit a Hedge Fund descriptor for which a risk inquiry search can be performed. The risk assessment or inquiry search can include data retrieved resultant to augmented retrieval methods. Scrubbed data as well as augmented data can be transmitted from a risk management clearinghouse to a subscriber or to a proprietary risk system utilized by a subscriber, such as a risk management system maintained in-house. Risk inquiry searches can be automated and made a part of standard operating procedure for any transaction conducted by the subscriber in which a Hedge Fund is involved.
摘要翻译：披露了一种用于管理与对冲基金有关的风险的计算机化方法和系统。收集和存储与对冲基金相关的信息，作为数据，准备与对冲基金相关的风险查询。文件和信息来源也可以存储。诸如金融机构的订户可以提交对冲基金描述符，可以对其进行风险查询搜索。风险评估或查询搜索可以包括数据检索结果以增强检索方法。洗涤数据以及增强数据可以从风险管理清算站传送到用户或用户所使用的专有风险系统，例如内部维护的风险管理系统。风险查询搜索可以自动化，并作为涉及对冲基金的用户进行的任何交易的标准操作程序的一部分。

9. 发明授权

US08010436B1 Methods, systems and securities for assuring a company an opportunity to sell stock after a specified time 有权
标题翻译：确保公司在规定时间后有机会出售股票的方法，制度和证券
公开(公告)号：US08010436B1
公开(公告)日：2011-08-30
申请号：US12843115
申请日：2010-07-26
申请人： Emerson P. Jones , Karen Schoen
发明人： Emerson P. Jones , Karen Schoen
IPC分类号： G06Q40/00
CPC分类号： G06Q40/04 , G06Q40/06
摘要： Various embodiments of the present invention relate to methods, systems and securities for assuring a company an opportunity to sell stock (e.g., common stock) after a specified time. One embodiment relates to receiving collateral security data including a collateral security issue price and a collateral security issue-date stock price, as well as variable share forward-contract data including a variable-share forward-contract maturity date; generating a variable-share determination trigger through a comparison of a current date to the variable-share forward-contract maturity date; determining a current stock price derived from current market data or an average historical stock trading price in accordance with the variable-share forward-contract data; calculating a number of shares associated with the variable-share forward contract; and executing a transaction for the calculated number of shares associated with the variable-share forward-contract data.
摘要翻译：本发明的各种实施例涉及用于确保公司在指定时间之后有机会出售股票（例如普通股）的方法，系统和证券。一个实施例涉及接收抵押担保数据，包括抵押担保发行价格和抵押证券发行日期股票价格，以及包括可变股份远期合约到期日的可变股份远期合约数据; 通过将当前日期与可变股份远期合约到期日的比较，产生可变股份确定触发; 根据可变股转让合约数据确定从当前市场数据得出的现行股票价格或平均历史股票交易价格; 计算与可变股远期合约相关的股份数量; 以及对与所述可变股份转发合同数据相关联的所计算的股份数量执行交易。

10. 发明授权

US08939258B2 Wind turbine for generating electric power 有权
标题翻译：用于发电的风力发电机
公开(公告)号：US08939258B2
公开(公告)日：2015-01-27
申请号：US12922148
申请日：2008-11-06
申请人： Markus Becker
发明人： Markus Becker
IPC分类号： F03D9/00 , F03D11/02
CPC分类号： F03D9/25 , F03D9/28 , F03D15/10 , F03D80/70 , F05B2260/98 , Y02E10/72 , Y02P80/158
摘要： The invention relates to a wind turbine for generating electric power by an air stream (1) onto a rotor (48) rotatable about a rotor axis (2), said rotor comprising a plurality of rotor blades (3, 4) and being coupled via a rotor shaft (5) to a generator (6), wherein a primary transmission (8) is present between the rotor shaft (5) and generator input shaft (7) for multiplication of the rotational speed, wherein the pressure-feed or force-feed lubricating system of said main transmission comprising a lubricating pump (9) enables the supply to components (46, 47) subject to wear, wherein the wind turbine (10) has an emergency pump (11) for lubricant supply, which during normal operation of the wind turbine is not operational and during spinning operation and/or a power failure can be connected and which is operated by the rotating rotor (48).
摘要翻译：本发明涉及一种用于通过空气流（1）将电力发电到围绕转子轴线（2）旋转的转子（48）上的风力涡轮机，所述转子包括多个转子叶片（3,4）并且通过转子轴（5）到发电机（6），其中在转子轴（5）和发电机输入轴（7）之间存在用于乘以转速的主变速器（8），其中压力进给或力包括润滑泵（9）的所述主变速器的进料润滑系统使得能够供应磨损的部件（46,47），其中风力涡轮机（10）具有用于润滑剂供应的应急泵（11），其在正常情况下风力涡轮机的运行不可操作，并且在旋转操作期间和/或断电可以连接并由旋转转子（48）操作。

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