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37 results about "Decision tool" patented technology

Decision Tools is a set of Microsoft excel add-ins for risk and decision analysis. It includes @Risk, StatTools, PrecisionTree, TopRank and other Excel add ins. It is a commercial product from Palisade Corporation.

Internet-based system for identification, measurement and ranking of investment portfolio management, and operation of a fund supermarket, including "best investor" managed funds

Internet-based business system and management programs therefor, and more particularly to financial investment management characterized by a unique system of attracting and identifying the Best Investors, including offering, facilitating and managing performance-based investment competitions based on model (virtual) investment portfolios, creating actual portfolios for the identified Best Investor, creating and operating actual mutual funds based on the identified Best Investors as fund managers, and providing a full suite of related subscriber and investor services associated therewith as a fund supermarket. The invention includes facilitation of daily feedback of one or more significant and appropriate financial performance metric(s), preferably the NAV (iTAV), of identified stocks and funds. Performance ranking of advice is provided so that the investor knows the track record (ranking), on an ongoing basis, of a particular advisor, thereby establishing credibility of comments. Important analytic tools are provided, including unique reports on: Overall Performance, Stratification, Volatility, Market Timing, Fundamentals, and GS / E or GE / S Ratio, which function as powerful decision tools for the site members, fund managers and subscribers. The top 100 Best Investors are recognized as the m100, which may be a list, a tracked index, and a Fund.
Owner:MARKETOCRACY

Internet-based system for identification, measurement and ranking of investment portfolio management, and operation of a fund supermarket, including “best investor” managed funds

Internet-based business system and management programs therefor, and more particularly to financial investment management characterized by a unique system of attracting and identifying the Best Investors, including offering, facilitating and managing performance-based investment competitions based on model (virtual) investment portfolios, creating actual portfolios for the identified Best Investor, creating and operating actual mutual funds based on the identified Best Investors as fund managers, and providing a full suite of related subscriber and investor services associated therewith as a fund supermarket. The invention includes facilitation of daily feedback of one or more significant and appropriate financial performance metric(s), preferably the NAV (iTAV), of identified stocks and funds. Performance ranking of advice is provided so that the investor knows the track record (ranking), on an ongoing basis, of a particular advisor, thereby establishing credibility of comments. Important analytic tools are provided, including unique reports on: Overall Performance, Stratification, Volatility, Market Timing, Fundamentals, and GS / E or GE / S Ratio, which function as powerful decision tools for the site members, fund managers and subscribers. The top 100 Best Investors are recognized as the m100, which may be a list, a tracked index, and a Fund.
Owner:MARKETOCRACY

Method and apparatus for modeling a business process to facilitate evaluation of driving metrics

ActiveUS7272817B1Maximize and improve goal metricMaximize and optimize any metricFinanceSoftware simulation/interpretation/emulationDecision toolData warehouse
Method and apparatus for modeling a business process to facilitate evaluation of driving metrics. A decision tool can be provided to help manage a business process. Model files are created based on data pertaining to a plurality interrelated metrics. Each of the plurality of model files is optimized. The results of the optimization for the various metrics can be combined into a summary, which describes a hierarchy of selected driving metrics in such a way as to facilitate an understanding how to fine-tune various metrics to meet goals. An embodiment of the invention can take the form of a stand-alone computing system running a spreadsheet program, a stand-alone computer system running a dedicated application, or a computer system interconnected with a data warehouse to acquire current data regarding the interrelated metrics.
Owner:BANK OF AMERICA CORP

Multi-channel marketing database development methodology

A development methodology for a full-service, multi-channel marketing solution that helps retailers, financial services and telecommunications companies determine where, when and how to interact with their prospects and customers to build stronger relationships. The preferred embodiment of the invention results in an outsourced marketing solution that is tailored to the client's goals and resources, and that delivers everything the client needs to streamline the marketing process, including data warehousing, reports and queries, campaign management and execution, marketing strategy consulting, Internet information delivery services, promotion data processing, data enhancement, strategy design and execution, decisioning tools, optimization tools, and predictive and descriptive modeling.
Owner:FAIRLSAAC & COMPANY

System and method for automatic evaluation of credit requests

A system for credit request processing comprises an automated decision tool that is configured as a single point of entry for all credit requests for a lending entity. The automated decision tool is configured to receive client information data and data from a plurality of databases. The automated decision tool is configured to generate a scoring and a pricing output based on the credit request. Based on the scoring output, the credit request can further be classified as a “white” case that can be processed by a client advisor associated with the client, or as a “grey” case that is typically processed by a credit officer or similar entity within the lending entity. The system is further configured to produce the correct credit documents according to the decision logic and answers to the scoring questions based on the personal data for the specific client.
Owner:UBS AG

Digital city generation method and system

The invention relates to a digital city simulation system, belonging to the virtual technology, in particular to generation method and system in the city plan and construction design field. The system is a professional assisted decision system and a management platform oriented to the government departments, and is also a multimedia propaganda platform with internet and professional server colonygenerality showing the government plan construction fruits. The system is in gapless connection of fusion of planes, positive image mapping and three-dimensional map technology, the double-accuracy of positioning and logic can be implemented totally based on a GIS (Digital Geographic Information System) and a city coordinate system in accordance with the technical data of a total plan, blue linesand red lines and the like provided by the plan departments, and the system can be used as a decision tool.
Owner:新疆中石信息科技有限责任公司

Black start assistant decision making support/training system and its method

The invention discloses a black-start ADM (aid in decision making) supporting / training system and a method thereof. The black-start ADM supporting / training system and the method thereof solve the problems of deficiency of effective ADM tools under the condition of blackout of the prior power system, formulation of a system recovery proposal only by experience and incapability of being suitable for the current electric network requirements, and have the advantages of simple structure, convenient use, high automation degree, capability of effectively aiding in decision making for dispatchers and so on. The invention is characterized in that: the black-start ADM supporting / training system adopts a C / S architecture and consists of a black-start console module and a black-start computing server, wherein, a black-start console is a functional module which is extended on the basis of a DTS function, provides a user interface of the black-start decision supporting system, and utilizes the DTS function to exhibit and simulate a black-start proposal for achieving the aim of training the dispatchers; the black-start computing server comprises a proposal generation module, a proposal checkout module and so on and can generate a black-start operation sequence proposal by utilization of an intelligent search algorithm according to power failure areas and quickly verify the proposal.
Owner:SHANDONG UNIV

Method and system for managing a portfolio

The present invention relates generally to a method and system for managing a portfolio. More specifically, the present invention includes a variety of means to calculate probabilistic risk / benefit measures of portfolios as well as extensive data visualization tools, several group decision-making tools, powerful optimization and tradeoff analysis tools, and customized simulations of projects and portfolios.
Owner:IBM CORP +1

Method and system for evaluating internal business investments by estimating decision-factor variations

A method and system for evaluating internal business investments by estimating decision-factor variations provides a powerful decision-making tool for deciding whether or not to invest in a particular internal business option or for selecting between business investment alternatives. The investment may be a capital investment, a program investment, personnel investment or other business strategy. Variations in cost, benefit, strategic alignment and risk values input to the business decision tool are used to adjust the business value of a business case. The variations can be estimated from data gathered from surveys of personnel rating a confidence or perceived variation from the input values, variations may be estimated in the computed business value due to interdependencies to other adopted or non-adopted business cases, or variations may be estimated based on actual historical collected data on business case performance. Statistical analysis, including real options analysis and / or efficient portfolio analysis can be used to provide a visual or other tool to a system user in order to evaluate multiple business cases.
Owner:US POSTAL SERVICE

Multi-airspace trajectory planning and negotiation method oriented to four-dimensional track operation

The invention discloses a multi-airspace trajectory planning and a negotiation method oriented to four-dimensional track operation, and belongs to the field of air traffic management. The method firstly obtaining a flight plan, an airspace capacity, an airport available time slots, and an air traffic flow management policy information, determining the criteria for interplay between the flight trajectories of flight segments, defining a control airspace and an intermediate airspace, generating an airspace flight interaction relation matrix, and in this way, determining the flight trajectory scope that needs to be prioritized, adjusting the trajectory by changing the key point time and height, iteratively updating the matrix until the number of interdependent flights is zero, planning the result and determining the executability in trajectory sharing and negotiation. According to the multi-airspace trajectory planning and negotiation method oriented to four-dimensional track operation, the technical support can be provided for the development of a hollow tube automation system and a control auxiliary decision tool which support four-dimensional track operation.
Owner:THE 28TH RES INST OF CHINA ELECTRONICS TECH GROUP CORP

Internet-Based Discussion System And Method Thereof, Record Media Recorded Discussion Method

Provided is a discussion system and method for Internet-based reasonable decision-making tool, capable of inducing healthy discussion prosecution by a systematic and standardized discussion procedure and rule to solve various points at issue or conflicts and decision-making generated in a society, an enterprise and group; and of establishing theory and knowledge by creating a model that can extract all information, knowledge, suggestion and proposition of a group needed for decision-making through interactive discussion ping-pong by structural objectification for each case and inducing a conclusion. The system is capable of selectively specifying and operating a different discussion prosecuting procedure for each nature and type of the discussion using a pre-classified and registered discussion rule; defining a role of all discussion participants such as a moderator, a panel, a stakeholder, and an audience; and producing and managing discussion information in a hierarchical structure of discussion classification information, subtopic information, suggestions, suggestion grounds, and counter arguments. The system comprises a special statement editor capable of breaking down an argument for each detailed point at issue and structurally registering it. The system has a function of performing interactive ping-pong on various arguments and arguments for each point at issue, structurally enquiring a ping-pong situation, analyzing all suggested arguments and counter arguments to define a logical structure, correlation and nature between arguments, kicking out logically unsuitable arguments and defective arguments based on the logical structure, correlation and nature, defining an evaluation rule that can define logical reasonableness of the argument based on a nature definition and ping-pong result; and performing systematic, automatic evaluation for each detailed case on suitability of the suggestion.
Owner:LEE JONG GU +1

Single airport flight season change time slot optimization method based on historical operation data driving

The invention discloses a single airport flight season change time slot optimization method based on historical operation data driving. The method comprises the following steps of 1) acquiring historical data information; 2) preprocessing acquired historical operation data; 3) constructing an optimization model of data driving, firstly, according to distribution of flight to a time slot, defininga 0-1 type integer decision variable, then, based on historical real operation data, taking a minimized deviation airline company request time and flight delay as a target and establishing a minimizedtarget function, and then, determining a constraint condition, and acquiring the optimization model of data driving; and 4) according to the established optimization model of data driving, using a cutting plane method to solve and acquiring optimal distribution of a season change flight time slot. By using the single airport flight season change time slot optimization method based on the data driving, a quantitative auxiliary decision tool is provided for a flight plan making manager and the flight season change time slot can be programmed scientifically and reasonably.
Owner:NANJING UNIV OF AERONAUTICS & ASTRONAUTICS

Equipment state overhaul management module for EAM system of power plant

The invention relates to an equipment state overhaul management module for an EAM system of a power plant, which comprises a state monitoring point tracking submodule for obtaining detection data from state monitoring points, comparing the monitoring data with judgment conditions preset by the system and generating an exception report when exceptional data appear; a recording submodule used for recording the obtained detection data; and an overhaul item generating submodul used for generating the overhaul items of corresponding equipment when the detection data meet the set conditions. State overhaul is an equipment maintenance and management measure which tracks and analyzes the state monitoring points of the equipment and determines an equipment overhaul countermeasure according to a set overhaul policy in accordance with the comprehensive state of the equipment. The equipment uses a phylogenetic tree structure tissue for displaying, by collecting, analyzing and consulting exception information and variation trend data of relative state points, an equipment manager masters the equipment state in management range conveniently and an auxiliary decision tool for deciding the equipment overhaul countermeasure is provided.
Owner:国能浙江北仑第三发电有限公司

Method and system for making precise crop cultivation scheme through smart mobile phone and GPS (global positioning system)

InactiveCN103745407AEasy to carryRealize regulation and managementData processing applicationsAgricultural scienceDecision tool
The invention discloses a method for making a precise crop cultivation scheme through a smart mobile phone and a GPS (global positioning system). According to the method, basic information data of an agricultural area is loaded through the smart mobile phone, a GPS receiving device is utilized in an agricultural production field for positioning field blocks, the field block cultivation management stage is selected, in addition, the field block crop variety type, yield target and cultivation management measure data or real-time seedling condition data are input, the operational decision is made through a crop management knowledge model module of smart mobile phone processing programs, and a precise management scheme is generated. The method has the advantages that the implementation method is simple, mainstream intelligent mobile phone equipment is used as a decision tool, the carrying is convenient, and the made scheme has practicability and reliability. The invention further discloses a system for making the precise crop cultivation scheme through the smart mobile phone and the GPS, and the system is used for realizing the method disclosed by the invention.
Owner:NANJING AGRICULTURAL UNIVERSITY

Policy analysis and action decision tool

Using stochastic directed graphs, a social network stochastic directed graph model allows for policy analysis and action. An activity generator may be used for creating agents that represent a population stratum. Agents may be proportionally selected to the size of the population stratum and representative activities that are associated with said population stratum. Agents have one or more conditional probabilities attached to the activities, which indicate the likelihood of interaction between agents and one or more agents or actors. Outcomes for the interactions may be accumulated. Based on these outcomes, which include benign and acute, a multinomial probability distribution may be estimated.
Owner:GEORGE MASON INTPROP INC

System and Method for Predicting An Adequate Ratio of Unmanned Vehicles to Operators

The present invention is a computer decision tool for use in a system for controlling a team of unmanned vehicles. The computer decision tool includes a system performance model for receiving interface usability, automation level and algorithm efficiency variables and an operator performance model. The operator performance model receives task management efficiency and decision making strategy or DM efficiency variables. The system performance model is responsive to the interface usability, automation level and algorithm efficiency variables for providing a system performance status signal. The operator performance model is responsive to task management efficiency and DM strategy variables for providing an operator performance status signal. An operator capacity decision model is responsive to the system performance and operator performance status signals and a workload variable for providing a decision signal representative of an adequate team size or an optimal recommendation, such as changing the team size.
Owner:THE UNITED STATES OF AMERICA AS REPRESENTED BY THE SECRETARY OF THE NAVY

Power grid planning scheme evaluation and optimization method and system based on full-cost electricity price

The invention discloses a power grid planning scheme evaluation and optimization method and system based on full-cost electricity price, and the method comprises the steps: obtaining the basic data ofa power grid, and calculating the node marginal power generation cost, the node unit load power construction cost, and the node unit load power operation and maintenance cost according to the basic data of the power grid; linearly adding the node marginal power generation cost, the node unit load power construction cost and the node unit load power operation and maintenance cost to generate a power grid full-cost electricity price; establishing a power grid planning evaluation index system according to the full-cost electricity price of the power grid; and assessing the plurality of power grid line planning schemes according to the power grid planning assessment index system, and optimally selecting an optimal power grid planning scheme. The method can comprehensively evaluate the safetyand economy of a power grid planning scheme, is beneficial to improving the lean level of power grid planning, and can provide a quantitative analysis method and an auxiliary decision-making tool forinvestment planning of a power grid company under the background of new power transformation.
Owner:TSINGHUA UNIV +2

Geographic selection system based on resource allocation and distribution

Embodiments of the invention are directed to a system, method, or computer program product for triggering of living option resource allocation. In some embodiments, the invention provides a system for triggering of a model generation for location selection. As such, the system may interconnect with market analysis devices, medical devices, and home repair associates to determine resource availability and requirement for location selection. In this way, the system generates a real-time interactive indication of location selection for the user. Furthermore, a decision tool may be linked to a trusted individual associated with the user and provided upon generation to the individual.
Owner:BANK OF AMERICA CORP

System and method for predicting an adequate ratio of unmanned vehicles to operators

The present invention is a computer decision tool for use in a system for controlling a team of unmanned vehicles. The computer decision tool includes a system performance model for receiving interface usability, automation level and algorithm efficiency variables and an operator performance model. The operator performance model receives task management efficiency and decision making strategy or DM efficiency variables. The system performance model is responsive to the interface usability, automation level and algorithm efficiency variables for providing a system performance status signal. The operator performance model is responsive to task management efficiency and DM strategy variables for providing an operator performance status signal. An operator capacity decision model is responsive to the system performance and operator performance status signals and a workload variable for providing a decision signal representative of an adequate team size or an optimal recommendation, such as changing the team size.
Owner:THE UNITED STATES OF AMERICA AS REPRESENTED BY THE SECRETARY OF THE NAVY

Power generator intelligent agent based on depth deterministic strategy gradient algorithm and quotation method

The invention discloses a power generator intelligent agent based on a depth deterministic strategy gradient algorithm and a quotation method, and the intelligent agent comprises: a depth deterministic strategy gradient algorithm network construction module which is used for establishing an experience playback library composed of a depth Actor network, a depth Critic network and an Experience Replay memory; and the exploratory quotation action generation module that is used for establishing a market bidding model of the power generator in the electric energy, selecting a quotation action according to a result calculated by the established market bidding model based on Current Actor Network, submitting the quotation of the power generator to ISO for clearing, and storing the current state,the quotation coefficient, the reward and the new state of the intelligent agent of the power generator corresponding to the clearing into Experience Replay memory. According to the invention, the dynamic quotation strategy of the power generator under incomplete information is searched through a deep reinforcement learning method, and the invention is an efficient quotation decision-making tool,and facilitates the more accurate quotation of the power generator in the power market.
Owner:STATE GRID ZHEJIANG ELECTRIC POWER +3

Computerized method and system, and computer program product for patient selection for a medical procedure

In a computerized method, system and computer program product for patient selection first, using a number of sample data sets that contain medical data describing a patient as well as at least one probability of success and one duration of a medical treatment, a decision tool is created and made available to a computer. The computer is then supplied with an input data set by a user that contains medical data describing a patient. Using the decision tool, the computer determines a corresponding expected output data set that contains at least one expected probability of success and one expected duration of a medical treatment, and makes this available as an output to the user.
Owner:SIEMENS AG

Fraction linear neural network model

InactiveCN1797442ASolve no modeling toolsSolve the problem of no decision tools on unbounded regionsBiological neural network modelsHidden layerDecision tool
The invention advances a fractional linear neural network model, comprising m layers of neural cells, where the input layer has 1(x) neural cells, the ith layer has i(x) neural cells and the output layer has m(x) neural cells; the neural cells of all layers are forward interlinked, and the neural cells in the same layer are not interlinked, the input sum of the ith neural cell of the kth layer is written into Iik< / SUP, and the output written into oik, the weight value of connection of the ith neural cell of the (k-1)th hidden layer to the jth neural cell of the kth layer is written into wiú¼jk-1ú¼k, the output function of the jth neural cell of the kth layer is written into fjkú¼and thus the operating characteristics of the ith neutral cell of the (k-1)th hidden layer and the jth neutral cell of the kth layer are written (see top fig.). The invention solves the difficult problem that there are no modeling and policy making tools for nonlinear continuous mapping in infinite regions.
Owner:INST OF SEMICONDUCTORS - CHINESE ACAD OF SCI

Transition consistency verification method of computer network defending strategy

Disclosed is a transition consistency verification method of a computer network defending (CND) strategy. The steps are as follows: (1) strategy preprocessing is firstly carried out; the input strategy description files and topology description files are analyzed through a lexical analyzer and a grammar analyzer generated by a lex (lexical analyzer) / yacc (yet another compiler compiler) tool, and a data package range of processing actions of each kind is obtained. A corresponding subject and a corresponding object are elaborated; (2) then measure preprocessing is carried out: the input measure description files are analyzed through the lexical analyzer and the grammar analyzer generated by the lex / yacc tool so as to confirm a protection domain managed by the equipment, irrelevant configuration rules are removed, and the data package range processed by the regulated actions is taken out; (3) data package ranges of actions of various kinds are formed in logical expressions, and the logical expressions correspond to related safety equipment. Solving of a property decision tool Yices can be met by propositional logic, all the data package ranges are browsed, and whether redundancy or deficiency of the measures exists is detected.
Owner:BEIHANG UNIV

Script content generation method, computer storage medium, and terminal

The invention relates to the field of software applications, and in particular to a script content generation method, a computer storage medium, and a terminal. The method comprises the following steps: obtaining a decision clue; randomly obtaining multiple universal clues from the universal clues corresponding to the decision clue; randomly selecting at least two universal tools from the universal tools corresponding to the decision clue; selecting a universal tool from the at least two universal tools to serve as a decision tool; randomly selecting multiple special clues from the special clues corresponding to the decision tool; using the decision clue, the multiple universal clues and the multiple special clues as front contents, using the at least two universal tools as options, and using the decision tool as an answer to the options; and forming script contents via the front contents, the options and the answer. By adoption of the script content generation method, game script contents with diversity and difference can be simply and quickly generated.
Owner:GUANGZHOU HUYA INFORMATION TECH CO LTD

Hospital clinical workforce redeployment system and method of use

A status and workflow management system, analytic tools, artificial intelligence, and monitoring indexes along with a status and workflow management system, including an intake mechanism and computer systems for use by responsible persons responsible for respective parts of the processing of individual telehealth workforce redeployment opportunities for the at-risk clinical employee populations at a hospital, interests in monitoring hospital telehealth initiatives, and or evaluating the utilization of at-risk clinical employees within telehealth initiatives. A system comprising at least two computers, a telemetric data collection system, and artificial intelligence providing a mechanism that generates for each responsible person a workflow status screen and monitoring dashboards comprising of information pertaining to the given responsible person's perspective of involvement. A task generator element capable of displaying to the given responsible person on his or her screen tasks to which he or she has been assigned and or self-elected to do so. A task update mechanism updates tasks on the screen of the given responsible person in accordance with a sequence of workflow steps. An automatic mechanism for displaying monitoring indexes relative to fluctuations in data. An automatic mechanism for updating reporting and decision making tools via evolving artificial intelligence applied predictive modeling.
Owner:PIERONI ALEXANDER

Internet-based discussion system and method thereof, record media recorded discussion method

Provided is a discussion system and method for Internet-based reasonable decision-making tool, capable of inducing healthy discussion prosecution by a systematic and standardized discussion procedure and rule to solve various points at issue or conflicts and decision-making generated in a society, an enterprise and group; and of establishing theory and knowledge by creating a model that can extract all information, knowledge, suggestion and proposition of a group needed for decision-making through interactive discussion ping-pong by structural objec- tification for each case and inducing a conclusion. The system is capable of selectively specifying and operating a different discussion prosecuting procedure for each nature and type of the discussion using a pre-classified and registered discussion rule; defining a role of all discussion participants such as a moderator, a panel, a stakeholder, and an audience; and producing and managing discussion information in a hierarchical structure of discussion clas not sification information, subtopic information, suggestions, suggestion grounds, and counter not arguments. The system comprises a special statement editor capable of breaking down an argument for each detailed point at issue and structurally registering it. The system has a function of performing interactive ping-pong on various arguments and arguments for each point at issue, structurally enquiring a ping-pong situation, analyzing all suggested arguments and counter not arguments to define a logical structure, correlation and nature between arguments, kicking out logically unsuitable arguments and defective arguments based on the logical structure, correlation and nature, defining an evaluation rule that can define logical reasonableness of the argument based on a nature definition and ping-pong result; and performing systematic, automatic evaluation for each detailed case on suitability of the suggestion.
Owner:李钟九 +1

Power grid auxiliary decision-making tool based on meteorological factors

PendingCN113344302AAccurate and reasonable risk prevention and controlEasy to operate and controlForecastingResourcesGrid faultDecision tool
The invention belongs to the technical field of power grid auxiliary decision-making devices, and relates to a power grid auxiliary decision-making tool based on meteorological factors, which comprises a data layer, a service component layer and an application layer, the data layer comprises a plurality of data, is communicated with the service component layer and is used for providing the data to the service component layer for comprehensive analysis, research and judgment of the data; the service component layer comprises a power grid fault feature recognition service component, a tripping line rapid power recovery research and judgment service component, a real-time meteorological information display and equipment analysis service component and a fault comprehensive emergency aid decision-making service component, and is used for fault feature information identification, tripping information positioning, weather and equipment correlation analysis and fault comprehensive aid decision result generation, and the service component layer is communicated with the application layer; the application layer comprises a plurality of display pages and is used for front-end operation and viewing of analysis results of the service component layer; by combining the data layer, the service component layer and the application layer, operation management and control of the power grid are facilitated when a disaster comes.
Owner:CHINA SOUTHERN POWER GRID DIGITAL GRID RES INST CO LTD

Geographic selection system based on resource allocation and distribution

Embodiments of the invention are directed to a system, method, or computer program product for triggering of living option resource allocation. In some embodiments, the invention provides a system for triggering of a model generation for location selection. As such, the system may interconnect with market analysis devices, medical devices, and home repair associates to determine resource availability and requirement for location selection. In this way, the system generates a real-time interactive indication of location selection for the user. Furthermore, a decision tool may be linked to a trusted individual associated with the user and provided upon generation to the individual.
Owner:BANK OF AMERICA CORP
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