42results about How to "More risk" patented technology

A technique for making a payment to a payee on behalf of a payor by a payment service provider is provider. The service provider identifies those of multiple electronic debiting options available for completing a payment request. One of the identified options is selected and a payment account of the payee is electronically debited according to the selected option.

A computer-implemented method is performed at a server having one or more processors and memory storing programs executed by the one or more processors for authenticating a user from video and audio data. The method includes: receiving a login request from a mobile device, the login request including video data and audio data; extracting a group of facial features from the video data; extracting a group of audio features from the audio data and recognizing a sequence of words in the audio data; identifying a first user account whose respective facial features match the group of facial features and a second user account whose respective audio features match the group of audio features. If the first user account is the same as the second user account, retrieve the sequence of words associated with the user account and compare the sequences of words for authentication purpose.

Methods and apparatus, including computer program products, for risk assessment and analysis. In one general aspect, asset data representing a set of assets is received. Threat data representing a set of threats is received. Requirements data representing one or more requirements is received, wherein each requirement requires compliance with a regulation and a failure to satisfy the requirement constitutes a threat additional to the set of threats. Measures data representing a set of measures is received. A current status is calculated using the measures data and the requirements data based on a level of compliance with the requirements, the level of compliance determined by the measures and the additional one or more threats to one or more assets represented by the measures data and the requirements data.

A method of providing financial advice to a client that provides sufficient confidence that their goals will be achieved or exceeded but that avoids excessive sacrifice to the client's current or future lifestyle and avoids investment risk that is not needed to provide sufficient confidence of the goals a client personally values. The method comprises obtaining typical client background information, as well as a list of investment goals, and ideal and acceptable values in dollar amounts and timing for each goal. The client is then asked to provide their preferences for each goal on the list compared to each other goal in the list, wherein the client's preference is expressed in terms of the price, in money or time, that the client is willing to pay in one goal to achieve another goal or a greater amount or sooner timing of other goals on the list. A matrix can be used to express these value contrasts. A recommendation is then created using the portfolio value, and the client goal preferences and the ideal and acceptable values of goals, by simulating models of the relevant capital markets and investing exclusively in passive investment alternatives to avoid the risk of potential material underperformance of active investments under the premise of avoiding investment risk that is not needed to confidently buy the client the goals they personally value. The recommendation may include a range of portfolio values over their life or time horizon within which the client's portfolio should remain in order to ensure the recommendation remains within a “comfort zone”, which represents sufficient confidence that the client's goals will be achieved while avoiding excessive current sacrifice. Periodic monitoring of the recommendation is also performed to capture changes to the client's goals and actual portfolio values based on the results of the capital markets. Appropriate changes to the recommendation can then be made to ensure that die recommendation remains within the “comfort zone”

Methods and apparatus, including computer program products, for risk assessment and analysis. Asset data representing a set of assets is received. Threat data representing a set of threats is received. Measures data representing a set of measures is received. A loss expectancy based upon the value of the assets, the potential reduction of value caused by the threats, and the protection of the value caused by the measures is automatically calculated. Project data representing a simulated project is received. A revised loss expectancy is automatically calculated based upon the value of the assets, the potential reduction of value caused by the threats, and the protection of the value caused by the measures as modified by the simulated project. A savings caused by the simulated project is automatically calculated based upon the loss expectancy and revised loss expectancy.

A control system is provided for controlling a hybrid vehicle that includes an internal combustion engine; an electric motor for starting the internal combustion engine; an inverter for controlling the electric motor; a clutch for selectively connecting and disconnecting power transmission between the internal combustion engine and the electric motor; and a battery for supplying power to the electric motor. The control device includes: a voltage detection unit for detecting the voltage of the battery a voltage control unit for controlling the output of the battery in accordance with a first power value currently available within the voltage limit range of the battery; and an internal combustion engine starting unit for engaging the clutch to start engine while controlling the inverter in accordance with the output from the battery that in turn is controlled by the voltage control unit.

Methods and apparatus, including computer program products, for risk assessment and analysis In one general aspect, asset data representing a set of assets is received, the asset data includes a respective value for each asset in the set of assets having a value. Threat data representing a set of threats is received; each threat in the set of threats potentially reduces the value of one or more of the assets in the set of assets. Measures data representing a set of measures is received; each measure in the set of measures protects the value of one or more assets from one or more threats. Assessment data representing one or more assessments is received; each assessment rates one or more measures. An implementation level for each measure is calculated based upon the assessment data.

The present invention is directed to stabilizing Bone Morphogenetic Protein in various lyophilized formulations and compositions. The present invention comprises formulations primarily including trehalose as an excipient for lyophilized compositions and their subsequent storage and reconstitution, and can also optionally include other excipients, including buffers and surfactants.

A method and computer program product prevent false positives from occurring by reducing or preventing legitimate web site content from triggering matches to phishing black lists, but provides time and cost savings over manual review of black lists. A method implemented in a computer system for detecting false positives among a plurality of search patterns of web sites that include illegitimate content comprises accessing a first page of a legitimate web site, obtaining all links included in the first page, for each link included in the first page that points to a page on the web site, determining whether the link matches at least one of the plurality of search patterns, and for each link that matches the search pattern, indicating that the search pattern is a false positive.

An object tracking method uses a system having an object identifying device and at least one video tracking device, wherein the object identifying device monitors an area to identify an object entering the area and the video tracking device wired / wirelessly connected to the object identifying device monitors the area monitored by the object identifying device. The method includes: extracting, at the object identifying device, object identification information of the object; providing, at the object identifying device, the object identification information to the video tracking device; tracking, at the video tracking device, the object to extract physical information of the object; mapping, at the video tracking device, the physical information to the object identification information to generate object information of the object; and storing, at the video tracking device, the object information in a memory of the video tracking device.

A technique for making a payment to a payee on behalf of a payor by a payment service provider is provided. A determination is made as to if a requested payment amount is less than a certain amount. The certain amount is associated with the payee and is determined by the service provider, not the payee. If the payment amount is less than the certain amount, payment to the payee on behalf of the payor is made drawn on an account of the service provider.

A sealed monolithic photo-electrochemical system (1) comprising an electrically insulating substrate (2), an electrically conducting pattern (3) including carrier areas (4) arranged to support working electrodes (12), contact portions (10) connected to counter electrodes (14), a first set of contact paths (5) connecting said carrier areas (4) with a first terminal (6), and a second set of contact paths (7) connecting said contact portions (10) with a second terminal (8), the system furthermore comprises an array of porous structures (111-112n) arranged on said substrate (2), where each porous structure (11) comprises a working electrode (12), an insulating layer (13) and a counter electrode (14), an electrolyte at least partially filled in said porous structures (111-112n) for forming a plurality of electrochemical cells and an encapsulation covering said array of porous structures (111-112n) and a method for manufacturing a sealed monolithic electrochemical system.

A technique for making a payment to a payee on behalf of a payor by a payment service provider is provided. The service provider identifies one or more risk reduction techniques available for use in fulfilling a received payment request. The risk reduction techniques are identified based upon the received payment request. An identified technique is selected and payment is made according to that selected risk reduction technique.

A manual air hand pump operated and powered by two hands of a user for blowing dust and debris from computer related equipment and accessories. The hand pump contains a cylinder, a handle, a piston movable inside the cylinder, and a cone shaped nozzle. The piston is attached to the handle at the first end of the cylinder; and the cylinder has the nozzle at the second end of the cylinder. The cone shaped hollow nozzle has a hole or opening at its tip of ideal size for blowing dust and debris from electronics, computer related equipment, and for general use in a clean manufacturing environment. A battery operated or rechargeable shake or crank flashlight or crank low voltage electric generator may also be attached to or combined with the pump to make it multifunctional and add to its utility.

A bed system for the inspection and treatment of crawling insects, for example bed bugs, includes a main support panel and at least one movable mattress panel upon the main support panel to define a crevice between the panels for harboring crawling insects for subsequent inspection and treatment. A sleeping mattress is then supported on the mattress panel. The support panel is supported above a supporting surface, for example the floor or a boxspring mattress, by a spacer frame. The support panel further includes a skirt member extending down from the perimeter edge of the support panel by a height of the spacer frame so that the bottom free edge of the skirt member is in close, non-contacting proximity to the supporting surface. Treatment chemicals may optionally be provided in the space below the main support panel which is defined by the spacer frame mounted between the supporting surface and the main support panel.

Proposed is a method and apparatus for forming an orthodontic bracket for use with an orthodontic archwire involving shaping a length of material to form at least two enlarged portions and a base member, the base member being intermediate two arm members and the respective enlarged portions having a thickness that is thicker than the thickness of the base member; bending the length of material at the respective enlarged portions; and coining the respective enlarged portions, such that portions of the arm members define a channel to receive a portion of the orthodontic archwire.

The present invention provides an apparatus and method particularly well suited for cutting vegetation and applying chemical fluids to the stump efficiently over wide areas, particularly with common mechanical devices such as sickle bar trimmers, rotary mowers, and flail mowers. Furthermore, the chemical fluids are precisely applied to the desired vegetation stumps so that the biomass has low chemical residue and the chemicals does not disturb the soil. Therefore, the biomass is preserved, soil residues are reduced, chemical waste is reduced, undesired vegetation is treated with a correct dosage, and manual labor is dramatically reduced. Thus, the soil residues are reduced and the biomass is preserved for further downstream processes.

The present invention is in the field of ophthalmology and relates to methods of performing a generally round posterior capsulotomy, preferably in a continuous manner, without disturbing an intraocular lens, and without inducing any pressure changes inside the eye. The posterior capsulotomy comprises performing a generally round circular posterior capsulotomy using a suitable ophthalmic laser device.

The described embodiments provide systems and methods for delivering power and data to lighting system. Specifically, the embodiments provide systems and methods for delivering power and data to the type of lighting system which is often used in entertainment programs and specifically live shows. Embodiments disclose various systems incorporating truss technology in conjunction with lighting, dimming, power and data distribution systems encompassing a complete and integrated mobile and rapid deployment lighting and lighting support system. Further embodiments describe truss systems used for managing cable.