|| List of recent Inanc-related patents
| Antimicrobial film retrofit product for high traffic sanitation|
There is a widespread need for an improvement in the overall sanitation level of high traffic public and private establishments, which contain equipment that undergoes constant changing of hands by those who frequent the establishment. Currently, there is little financial incentive for such establishments to incorporate more advanced sanitation and cleaning protocols.
| Conversion and liquidation of defaulted positions|
A method of liquidating defaulted positions associated with centrally cleared financial product is disclosed. The method includes identifying a defaulted position associated with a centrally cleared financial product, calculating a value differential between the defaulted position and a standard position, offering the value differential and the standard position to a party such that the value differential and the standard position represent a converted position, and settling the converted position upon acceptance of the offer by the party..
| System for real time continuous data processing for investment portfolios|
A real time continuous data inputting, processing, scanning and displaying system for financial data and inputting variable boundaries of data for a variety of desired data characteristics. The process displays when the data characteristics fall outside their respective variable boundaries.
| Banknote processing apparatus for detecting, reporting, and integrally managing counterfeit banknotes and method of controlling the same|
A method of controlling a banknote processing apparatus for detecting, reporting, and integrally managing counterfeit banknotes includes detecting an injected banknote through an injection detecting unit; determining whether the injected banknote is a counterfeit banknote; obtaining counterfeit banknote information including a serial number of a banknote firmly determined as a counterfeit banknote; and transmitting the counterfeit banknote information including the serial number to a counterfeit banknote management system of a central bank through a communication unit when a counterfeit banknote report command previously set by a user is input. Since the blacklist of counterfeit banknotes established by the counterfeit banknote management system of the central bank is received and it is determined whether the injected banknote is a counterfeit banknote based on the received blacklist, accuracy of discriminating counterfeit banknotes of financial facilities including banks is improved..
| Systems and methods for facilitating secure access|
Various embodiments are directed to methods for generating proxy account data for a financial account and authorizing payment from an account of a customer based on proxy account data. Example methods may comprise selecting a serial number for a first customer and storing an association between the serial number and an account of the first customer.
| Data protection in near field communications (nfc) transactions|
Described herein are architectures, platforms and methods for protecting sensitive data that are utilized during near field communications (nfc) communications or transactions and more particularly, a system on chip (soc) microcontroller that is configured to control processing of the sensitive data during the nfc transactions is described. The sensitive data may include, but not limited to, personal information, financial information, or business identification numbers..
| System and method for automatic thresholding for payment card spend control|
A method for providing an automatic threshold for payment card controls includes: storing historical data for financial transactions involving a payment card; receiving an automatic threshold request, the request including a threshold model and a card use control; identifying a use threshold associated with the card use control based on an application of the threshold model to the historical data; receiving an authorization request for a financial transaction involving the payment card, the request including transaction data related to the financial transaction; and identifying if the use threshold is exceeded based on the transaction data and the card use control, wherein if the use threshold is exceeded, transmitting an authorization response indicating the threshold has been or will be exceeded by the financial transaction, and, if the use threshold is not exceeded, transmitting, an authorization response indicating approval with respect to not exceeding the threshold of the financial transaction.. .
| Intermodal money transport system and method for real-time cash or cash equivalent transfers on electronic devices with an intermodal money application interface that functions as an automated teller machine over one or more open loop financial networks by utilizing a virtual account management system and an intermodal money transport protocol|
Disclosed is an intermodal money transportation system and method to send and receive money in real-time on a computer programmable electronic device with an atm application interface over open loop financial networks during a single financial transaction acquiring session, utilizing an intermodal money transportation protocol data set that is compatible with financial network message protocols, and a virtual account management system that enables financial instrument holders to convert a plurality of financial instruments into virtual cash tokens in a manner that is independent of the modality of payment method used to process said financial instruments, where said financial instruments are readily convertible into cash or a cash equivalent on a transaction terminal and the transaction is irreversible by the originator of said transaction.. .
| Bank transactions feed|
Disclosed are electronic systems and techniques for implementing a banking transaction and feed display system are provided that allow a user to visualize and interact with a financial transaction feed displayed on a mobile device. The feed displays a list of transactions made over a defined period of time, and the user selects different views, grouping the financial transactions by type, by recipient, by donor, by amount, and so on.
| Systems, apparatus and methods for mobile companion prepaid card|
Systems, apparatus and methods for providing an un-personalized and un-embossed mobile companion prepaid card to a consumer having a mobile wallet account. An embodiment includes a wallet provider computer receiving an approval request from an agent device for a mobile companion prepaid card for a consumer.
| Systems and methods for electronic payment instrument repository|
Systems and methods that receive one or more images and based at least in part on the received images, identify information associated with a payment instrument. The information associated with the payment instrument may be stored in a payment instrument repository, such as an electronic wallet (ewallet), associated with a user.
| Continuous dialog to reduce credit risks|
A financial interaction related to personal data analytics and behavioral data is facilitated. The financial interaction drives behaviors to affect a real-time credit risk, and provides direct feedback during the financial interaction.
| System and method for entering, formatting, sharing and validating credit data between businesses and creditors|
A system and method for assisting firms enter, format, and validate their financial data with their creditors easily, with greater integrity and greater transparency in credit practices. The system allows for input of a firms financial data, formatting that data into industry standard business format, and allow for secure sharing of that information between businesses, partners and creditors.
| Method and system for repurposing lease analysis, accounting, administration, and market data comparisons|
Lease calculations may be used by commercial real estate brokers, corporate tenants, landlords, financial professionals, financial advisors, accountants and/or the like, to compare financial aspects of one or more leases and/or contracts, determine the impact of new accounting rules on current and/or future leases, comply with current and/or future lease accounting rules, generate financial reports, generate market data comparables, allow clients and users to track, manage and administer lease information and repurpose independent data points to perform one or more of these or other lease calculations or actions.. .
| System and method for mapping financial data|
Mapping financial data comprises receiving a first set of financial data from internal reporting systems. The first set of financial data is loaded into a database having high-level design segmentation.
| Methods and apparatus for calculating optimal social security election decisions|
In some embodiments, a non-transitory processor-readable medium stores code representing instructions to cause a processor to receive, from a user, an input of at least one value associated with financial information of a married couple, and calculate, using the at least one value, an average indexed monthly earnings (aime) value and a primary insurance amount (pia) value for each individual from the married couple. The code represents instructions to cause the processor to calculate, using the aime value or the pia value for each individual from the married couple, a set of social security election outcomes using each election strategy from a set of election strategies for each age combination from a set of age combinations for the married couple.
| Augmented reality financial institution branch locator|
An augmented reality financial institution “fi”) branch locator uses the display screen of a mobile computing device (“mcd”) to show a customer that customer's real-world view of physical reality through the camera of the mcd on the mcd display screen (“camera image”), locations of fi branches for that customer's fi overlaid onto the camera image of the customer's physical location, locations of fi branches for competing fi's overlaid onto the same camera image, distances to the various fi branches overlaid onto the camera image, and directions to fi branches overlaid onto the camera image (together “augmented reality”) so that the user can navigate from the user's current location to a desired fi branch through the augmented reality image.. .
| Method and system for image processing|
Various aspects of a system and method for image processing may include a computing device having one or more processors. The computing device may be operable to determine luminance values of multiple pixels in a subset of a frame of a two-dimensional image.
| Mobile check issue capture system and method|
A system and method is presented for assembling information contained within a financial instrument for subsequent verification of the financial instrument, wherein the financial instrument includes an identifier corresponding to a payee of the financial instrument. An imaging device, such as, for example, a mobile phone or the like, is used to obtain an image of the financial instrument prior to the financial instrument being transferred to the payee.
| Satellite signal receiving device, electronic timepiece and satellite signal receiving method|
A satellite signal receiving device includes a receiving circuit that receives a satellite signal transmitted from a position information satellite, a solar cell that converts light energy into electrical energy, and a control section that controls the receiving circuit and starts a receiving process of the satellite signal, when illuminance of light incident on the solar cell is equal to or greater a preset illuminance threshold within a range of equal to or greater than 1,000 lx and less than 5,000 lx.. .
| Detection system and detection method for detecting distance value of back light module|
A detection system for detecting a distance value between a light source and a group of optical films of a back light module includes a base, a luminance detection device, a transfer device, and a distance detection device. The base is configured for supporting the light source.
| Illuminating apparatus|
Disclosed is an illuminating apparatus including a housing including a lower plate and a side plate and a light emitting module including a substrate disposed on the lower plate and a plurality of light sources disposed on the substrate to be spaced apart from each other, wherein a height of the side plate is determined as a value obtained by dividing a separation distance between adjacent ones of the light sources by a value obtained by multiplying a tangent value of a max intensity angle of each of the light sources by a luminance compensation factor.. .
| Lighting structure of liquid crystal panel in gauge for vehicle|
A lighting structure of a liquid crystal panel in a gauge for a vehicle includes a dial, a pointer member, a liquid crystal display panel, a pointer, and a pointer illuminating light source. The lighting structure further includes an illuminating light dividing and output part, and a luminance adjusting part.
| Luminance filtering assembly|
A luminance filtering assembly provides a translucent plate that extends from a vehicle visor to minimize the glare from sunlight and glares without restricting a line of sight. The translucent plate includes a tint.
| Image processing method and image processing apparatus|
An amount of color correction of a facial region is modified based on changes caused in face average values by white balance correction. Also, the amount of color correction of the facial region is modified according to luminance of pixels of interest to perform optimum color correction on the facial region and a highlight region..
| Imaging device and image signal processor|
Enhancing the image quality by suitable color noise correction is realized without depending on a subject, a photographing scene, and photographing conditions by determining and correcting a color noise component according to photographing conditions of a camera. The present invention is configured of an imaging device that has: an imaging unit; a signal processing unit that performs signal processing on an image signal inputted from the imaging unit and outputs a luminance signal and a chrominance signal; a camera controlling unit that controls at least one of photographing conditions of optical conditions and exposure of the photographing unit and a signal processing condition of the signal processing unit; and a color noise correction unit that extracts and corrects a color noise component from the chrominance signal inputted from the signal processing unit.
| Surveillance device and control method of the same|
A drive controller is configured to control an imaging unit so that a subject is imaged at a first exposure mode and imaged at a second exposure mode. A gain controller is configured to set equal to each other luminance amplitudes of a first and second image signals due to the difference in exposure time period of a first luminance signal obtained by imaging the subject in the first exposure mode and a second luminance signal obtained by imaging the subject in the second exposure mode.
| Video signal processing apparatus and method|
A first rgb converter is configured to convert a luminance signal and a color difference signal of a first frame signal to a first rgb signal. The first frame signal is a current frame having a first number of bits.
| Image projection apparatus and control method therefor|
The image projection apparatus of the present invention includes a light source that outputs coherent light; a phase modulator that performs phase modulation on the light output from the light source to create a fourier transform image; an amplitude modulator that performs amplitude modulation on the fourier transform image in accordance with an image signal; a projection optical system that projects the light that has been amplitude modulated, and a controller that divides the image represented by the image signal into a plurality of divided images, determines the target luminance value of each of the areas of the fourier transform image that is divided corresponding to the division of the image, based on the image signal, and outputs phase data indicating the amount of phase modulation so as to make the luminance value of each area of the fourier transform image acquire the target luminance value of the associated area.. .
| System and method for controlling smart led display board capable of compensating for luminance of led|
A system for controlling a smart led display board capable of compensating for luminance of an led includes a luminance measurement unit which creates first luminance measurement data obtained by digitizing measured luminance of each led, an image data input unit which receives first input data about each led, a comparison unit which selects at least one first led having a luminance value greater than a preset reference value, and creates a compensation power value compensating for the luminance value of the selected first led; an image data compensation unit which receives the first input data and the compensation power value and creates second input data in which a power value that is contained in the first input data transmitted to the first led is changed into the compensation power value; and a drive unit which transmits the second input data to the first led.. .
| Organic light emitting display and method of driving the same|
An organic light emitting display capable of improving display quality. The organic light emitting display includes effective pixels positioned in an effective display unit, at least one dummy pixels positioned in a dummy display unit in order to generate light with predetermined luminance, at least one photodiodes arranged on the dummy display unit to be adjacent to the dummy pixels, and a sensing unit for extracting first resistance information from organic light emitting diodes (oled) included in the effective pixels, extracting second resistance information from oleds included in the dummy pixels, and extracting luminance information corresponding to the second resistance information from the photodiodes..
| Luminance adjustment part, display apparatus having the luminance adjustment part, and method for adjusting luminance|
A luminance adjustment part includes a luminance determination part and a data compensation part. The luminance determination part may determine a control value for controlling luminance of a backlight assembly using linear image data that has a linear luminance profile and is generated by performing a de-gamma process on a first copy of input image data that has a nonlinear luminance profile.
Influence of external light is suppressed. With a photodetector including a photodetector circuit which generates a data signal in accordance with illuminance of incident light and a light unit which overlaps with the photodetector circuit, a first data signal is generated by the photodetector circuit when the light unit is in an on state, a second data signal is formed by the photodetector circuit when the light unit is in an off state, and the first data signal and the second data signal are compared, so that a difference data signal that is data of a difference between the two compared data signals is generated..
| Scr dimming circuit and method|
The present invention relates to an scr dimming circuit and method for regulating the luminance of an led load. In one embodiment, an scr dimming circuit can include: an scr element that generates a lack-phase ac voltage based on a sinusoidal ac supply; a rectifier bridge that generates a lack-phase dc voltage based on the lack-phase ac voltage; a conduction angle generator that receives the lack-phase dc voltage, and generates a controlling signal representative of a conduction angle of the scr element; and a dimming signal generator that generates a dimming signal to regulate luminance of the led load, where the dimming signal generator receives the controlling signal, an adjustable signal, and a clamping voltage, an amplitude of a dimming phase angle range is selected by a fixed signal determined by the clamping voltage, and the dimming phase angle range may be shifted by regulating the adjustable signal..
| Organic light emitting display device|
An organic light emitting display device includes a substrate including a display area on which a plurality of pixels are formed and a non-display area surrounding the display area; a first power line positioned on a lower non-display area; an auxiliary power line positioned on an upper non-display area; a first power supply supplying a first voltage to the first power line; and an auxiliary power supply supplying an auxiliary voltage to the auxiliary power line. Accordingly, it is possible to provide an organic light emitting display device capable of equalizing luminance by minimizing a variation in power supplied to each pixel..
| Aromatic amine derivative and organic electroluminescence device utilizing the same|
Provided is a novel aromatic amine derivative with specified structure. Also provided is an organic electroluminescence device having one or more organic thin-film layers including at least a luminescent layer interposed between a cathode and an anode, in which at least one of the organic thin-film layers contains the above aromatic amine derivative alone or as a component of mixture.
| Method of evaluating luminance of light source and lighting apparatus|
Embodiments provide a method of evaluating luminance of a light source, including acquiring first data including a plurality of luminance values by measuring luminance of the light source, converting the first data into second data corresponding to a plurality of unit cells, acquiring a moving average of the second data, and acquiring a ripple factor. The ripple factor is represented by (draw-ma)/ma, where draw is the second data and ma is the moving average..
| Credit card with alterable id/security features|
This invention relates to a card with alterable security features are displayed and method of enhancing security of a financial transaction card. The present invention provides a financial transaction card with alterable id/security features including an e-paper display unit on one or both surfaces of the card that displays alterable id/security features.
| Medium pick-up apparatus, medium process apparatus and financial device|
Provided is a pick-up apparatus. The medium pick-up apparatus comprise a support plate to support a medium, a pick-up roller unit comprising a pick-up roller for picking up the medium, a detection unit to detect the number of medium that is picked up by the pick-up roller, and a pick-up roller moving device to move the pick-up roller unit to space the pick-up roller unit from the medium supported by the support plate when the pick-up of predetermined number of medium is detected by the detection unit..
|Licensed electronic investment portfolio management bidding system|
A licensed electronic investment portfolio management bidding system running on a computing device comprises of a website interface allowing an owner of investment portfolios to list their investment portfolio in a directory or post the investment portfolio in an investment marketplace. Approved financial advisors may submit requests to manage an investment portfolio listed or bid on a listed investment portfolio.
|Allocating financial risk and reward in a multi-tenant environment|
Multi-tenant resources can be funded using payment submitted with requests for those resources, such that the resources do not need to be associated with a specific user account. A resource can be allocated and available as long as payment has been provided.
|Object oriented system for managing complex financial instruments|
Object oriented design strategies and patterns are applied to financial data processing systems for processing and modeling of financial products (also referred to as financial instruments) with an emphasis being on derivative products. The system employs valuation independent, well-defined financial components (also referred to as financial events) that can be combined to build new financial structures.
|System allowing banks to diversify their loan portfolios via exchanging loans|
A method of measuring concentration capital in a bank's loan portfolio and facilitating exchanging of loans, is described. Banks exchange their loans with each other in order to reduce their portfolio's concentration capital and keep within their lending limits.
|System and method for application security|
A secured hardware token includes an embedded processor, secured persistent storage, and read only memory. The storage includes functionality to store data that includes an account master secret for an account at a financial institution.
|Integrated bill presentment and payment system and method of operating the same|
An integrated bill presentment and payment system and an associated method are disclosed which can accomplish the entire process of bill presentment and payment directly with billers, customers, and their respective financial institutions, but which are also capable of interfacing with independent biller service providers, independent customer service providers, independent consolidators, and/or independent payment providers. The integrated bill presentment and payment system and method of the present invention can link directly to billers and customers, and can also access and distribute billing information from third party biller service providers or consolidators and participate in the distribution of the billing information to customers through third party customer service providers and consolidators.
|Trading related to fund compositions|
An electronic marketplace uses a fund composition to guide trading opportunities. Mutual funds typically have a target composition of financial instruments.
|System and method for evaluating financial trading strategies|
A method for evaluating a financial trading strategy includes at least one computing device receiving a trade record comprising a sequence of trades. The method further includes determining, by the at least one computing device, performance parameters associated with the trades, wherein at least some performance parameters are based on financial data captured at a time other than a time of execution of the trades.
|Financial account authentication|
Methods, systems, and apparatus, including computer programs encoded on computer storage media, for account authentication. A method includes receiving a user request to include financial data describing a financial account in an interface, the financial account being associated with a financial institution.
|Financial record modification|
Embodiments for modifying financial record data, such as check images, are provided herein. The embodiments include receiving financial record data; identifying one or more criteria associated with the financial record data; quantifying the size of the one or more criteria; modifying at least a portion of the financial record data based on size of the one or more criteria; and providing at least a portion of the received financial record data or modified financial record data to a recipient..
|Travel expense automation|
A method of monitoring the expenses of a traveller during the progress of an itinerary utilises nfc for carrying out the financial transactions associated with the itinerary and updates a corporate erp or similar financial database with the financial transactions as they occur allowing rapid allocation to cost centres. The itinerary may be laid out in terms of itinerary events, each of which may be tracked by an nfc connection with an nfc device at an expected location and date for the itinerary event..
|Transaction log for loyalty based offers and awards|
Financial transactions are tracked and a communication thread related to a financial transaction is generated. A reward stimulus is offered as part of and related to the communication thread.
|Methods and apparatus for conducting financial transactions|
A method of establishing wireless communications between an interrogator and individual ones of multiple wireless identification devices, the method comprising combining tree search and aloha methods to establish communications between the interrogator and individual ones of the multiple wireless identification devices without collision. A system comprising an interrogator, and a plurality of wireless identification devices configured to communicate with the interrogator in a wireless fashion, the respective wireless identification devices having a unique identification number, the interrogator being configured to employ tree search and aloha techniques to determine the unique identification numbers of the different wireless identification devices so as to be able to establish communications between the interrogator identification and individual devices without ones of the multiple wireless collision by multiple wireless identification devices attempting to respond to the interrogator at the same time..
Front-end patient financial triage is provided, wherein various financial clearance checks may be processed prior to proceeding with a non-emergent patient encounter. A patient's credit history, historic payment information, and symptoms of his/her financial health, such as employment and income, family size, etc., as well as address and social security number verification may be utilized to help a health care provider determine if a patient may pay for health care services.
|Portable and readily dismantled human restraint system|
A portable human restraint system for use by those who practice an alternative sexual lifestyle known as dominance and submission or discipline and bondage. The restraint system includes a bondage frame that can be secured to any door of a room and easily dismantled into a compact size for storage or traveling.
|Financial gaming management system and method|
A system, apparatus, and method for providing accounting between and among different gaming platforms, comprising a first gaming platform for allowing an individual to participate in a game being played on a second gaming platform, and for receiving a wager from the individual via the first gaming platform for use in the game, and a server coupled to the first gaming platform and the second gaming platform for determining an amount owed to the first gaming platform by the second gaming platform depending on an outcome of the wager.. .
|Inspection method for semiconductor light-emitting device and manufacturing method for semiconductor light-emitting device|
An inspection method for a semiconductor light-emitting device includes an image capturing step for capturing an image of photoluminescence released from the active layer, an inspection region extracting step for extracting an inspection region from the captured image; a luminance average determination step for, determining the semiconductor light emitting device as defective when a luminance average is smaller than a predetermined threshold, a luminance variance determination step for determining the semiconductor light emitting device as defective when a luminance variance is larger than a predetermined threshold, a color determination step for determining the semiconductor light-emitting device as defective when a pixel in which a color component indicating a photoluminescence intensity of light released from the active layer and having a wavelength shorter than the original emitting wavelength, and a total determination step for totally determining the semiconductor light-emitting device as defective when determined in at least one of these determination results within the inspection region.. .
|Antiviral material, antiviral film, antiviral fiber, and antiviral product|
In one embodiment, an antiviral material includes at least one microparticles selected from tungsten oxide microparticles and tungsten oxide composite microparticles. The microparticles have an inactivation effect r of 1 or more expressed by [r=log c−log a], when there is evaluated a virus titer by inoculating on a specimen to which the microparticles are adhered, at least one virus selected from a low pathogenic avian influenza virus (h9n2), a high pathogenic avian influenza virus (h5n1) and a swine influenza virus, and irradiating the specimen with visible light having a wavelength of 380 nm or more and illuminance of 6000 lx.
|Method for determining the luminance of traffic signs and device for implementing same|
The method of the invention comprises: obtaining a sequence of at least two images, with different levels of illumination; extracting the region containing the sign in the image; calculating the luminance values of the signs; and obtaining the difference in luminance of the sign corresponding to the two levels of illumination. The value obtained is the luminance of the sign (11) corresponding to an illumination equal to the difference between the illuminations, or additional illumination.