86 results about "Life events" patented technology

In a broadcast application on a client-server network the streaming is emulated of animation data over the Internet to a large number of clients. The animation is considered a sequence of states. State information is sent to the clients instead of the graphics data itself. The clients generate the animation data itself under control of the state information. The server and clients communicate using a shared object protocol. Thus, streaming is accomplished as well as a broadcast without running into severe network bandwidth problems. This approach is used to map a real life event, e.g., a motor race, onto a virtual environment in order to let the user participate in a virtual race against the real life professionals, the dynamics of the virtual environment being determined by the state changes sent to the user.

In a broadcast application on a client-server network the streaming is emulated of animation data over the Internet to a large number of clients. The animation is considered a sequence of states. State information is sent to the clients instead of the graphics data itself. The clients generate the animation data itself under control of the state information. The server and clients communicate using a shared object protocol. Thus, streaming is accomplished as well as a broadcast without running into severe network bandwidth problems. This approach is used to map a real life event, e.g., a motor race, onto a virtual environment in order to let the user participate in a virtual race against the real life professionals, the dynamics of the virtual environment being determined by the state changes sent to the user.

Interactively providing financial advice to an individual via a computer system includes: (a) receiving current information of the advisee, the current information including (i) data indicative of a current financial situation of the advisee including assets of the advisee, and (ii) data indicative of a currently intended future life event of the advisee; (b) determining a future financial obligation of the advisee that is representative of the intended future life event of the advisee; (c) determining a rate of return on investment that is required in order for the advisee to meet the future financial obligation based on the advisee's current financial situation; and (d) providing to the advisee a recommended asset allocation and an indication of the probability that the future financial obligation will be met based on the advisee's current financial situation and the recommended asset allocation. Assistance may be provided through a virtual human advisor.

Various embodiments described herein provide systems and methods that establish a betting pool associated with a plurality of pool participants and associated with a plurality of real-life events scheduled to occur over a time period. For a first participant of the plurality of pool participants, the systems and methods may receive a first points wager on a first predicted outcome of a first real-life event of the plurality of real-life events, update the points balance in the points account based on the first points wager and on a first actual outcome of the first real-life event, receive a second points wager on a second predicted outcome of a second real-life event of the plurality of real-life events, and update the points balance in the points account based on the second points wager and on a second actual outcome of the second real-life event.

A method and system for providing on-line game competition are provided. Players select their favorite teams, join with other fans of the team, and compete against players on the opposite team. Teams compete against each other in matches, where matches are based on schedules of real-life events, such as sports schedules or entertainment schedules. Players are grouped with other players associated with their favorite teams, and matches are organized. Various trivia questions may be presented, and players have a predetermined period of time to answer the questions. Points may be awarded based on a player's success in competition and the overall teams success in matches. Further, prizes are awarded based on points received by a player.

A video game includes: (i) a graphic user interface that presents a user a simulation of real-life events; (ii) a content database containing a collection of actual photos and videos of real-life events; (iii) a simulation engine that, presents a plurality of possible actions to the user, receives a selection of at least one of the actions from the user, identifies at least one photo or video in the database that is associated with the user-selected action, and presents the user with a result in response to the selection, wherein the result includes the identified photo or video; (iv) a content update module that receives updated photo or video content from one or more content distributors, creates an association element for the updated content and an available action in the game, and includes the updated content and association element in the content database; and (v) a scoring module.

A method for rule-based gift giving method collects information about life events of one or more friends from one or more social network systems and / or from one or more online profiles. The gathered information may be organized in a news stream format or a calendar items format. The user creates rules including parameters such as monetary value of the gift, identity of the recipient and the life event on which to send the gift. The user may generate a default list of friends who will automatically receive user-selected gifts on user-selected life events. According to another embodiment, the user may generate an on-demand list of friends who will receive gifts on selected life events upon user's approval.

The life history of a person or entity can be presented in a graphical representation of a highway. Life events may be represented by simple data strings, or by files such as photographs, dissertations, job offers, and love-letters, among others. For ease in viewing, the information representing the life history is categorized according to type (medical, educational, photographic, etc.) and placed in lanes corresponding to the type of information. The information is also organized by date, being placed between mile corresponding to temporal periods, for instance, years. Other graphical arrangements of stored information are also included.

A system and method for managing the risk for prospective real estate property buyers of price volatility in the real estate market in which they intend to purchase a property, without the need to make an immediate purchase. Data is input into a computer system and the computer system is used to prepare a Participatory Equity Appreciation Contract or “PEAC” which grants the prospective property owner, in exchange for a fee, the right to receive a payout, calculated as a function of the deviation of the real estate index of the geographic area in which the prospective purchaser intends to purchase a property, upon the earlier of: (i) the end of the term of the contract, or (ii) the occurrence of a life event such as the time the prospective purchaser actually purchases a property in the area. The prospective property owner can only receive the payout upon occurrence of a life event such as the time of purchase of a property in such area, which may be later than the end of the term of the PEAC. The payout is a payment composed of one or more tier payments, each corresponding to a particular range of index increments. For each range of index increments, the respective tier payment consists of a certain pre-determined amount or a share of a certain pre-determined amount.

A networked computer system comprising a user, a website of a bank or a financial institution, and a computer software tool. The computer software tool is accessible on the website of the bank or the financial institution and provides personalized lifetime financial planning to the user based upon financial information of the user along with a life event and a life stage of the user in an interactive computer generated timeline. The timeline comprises a past event, a present event, a future event, or a combination thereof of the user. The tool provides an automated reminder to the user based upon information of the user present in the timeline. The user may be a customer of the bank or the financial institution.

Systems, programs, non-transitory computer readable media, and methods of providing gift recommendations to a user of a social media website hosted by a social media server are described. For example, the user may grant an administrator server authorization to interface with the social media server such that the administrator server can identify important life events of the user's social media contacts, such as birthdays, anniversaries, weddings, and other events. If a social media contact of the user is determined to have an upcoming life event, then the administrator server generates a post containing (i) an advertisement that invites the user to review gift recommendations, and (ii) a link to a product page of an e-commerce website. Once generated, the post with the advertisement is streamed to a user device where it is displayed to the user in a ticker format along with other social media content.

A predictive technique for treating diabetes mellitus is described whereby a patient's blood glucose levels are monitored “continuously” over an extended period of time and a life-event diary is maintained records all significant life-events (e.g., food intake, medication, exercise, mood / emotions, etc.). This information is analyzed to derive a mathematical model that closely matches the patient's glucose level variations for the period of monitoring. Specific daily time periods of dysglycemic vulnerability are determined by calculating when the mathematical model predicts that crossings of predetermined hyperglycemic and hypoglycemic threshold levels will occur. These predicted periods of vulnerability are then used to devise a therapeutic plan that administers treatment in anticipation of predicted dysglycemic excursions, thereby limiting the extent of those excursions or eliminating them altogether.

Certain embodiments of the present invention provide for a system and method for integrating live statistical data of a real-life event into a real-time, online mass multi-player game. The method includes receiving a first stat event corresponding to a first real-life event and determining whether the first stat event is related to at least one game. The method includes parsing the first stat event into a first game event if the first stat event is related to the at least one game. The method includes storing the first game event, retrieving the stored first game event, and processing the retrieved first game event to change a game state. The method includes communicating the game state to a client to update the client display.

Embodiments of the invention are directed to a system, method, or computer program product for a distributive network system with specialized data feeds associated with the distributive network for identifying and predicting times of life events within a level of certainty. Utilizing machine learning techniques the likelihood of occurrence of a life event it identified based on a compilation of data points including customer total spend, the magnitude of item or merchant level transactions, and the frequency of item or merchant level transactions. Once a threshold of characteristics is reached, the system identifies with a degree of certainty that an event will occur and a time frame in which it will occur, termed an event horizon. One the event horizon is generated with sufficient evidence from the data points, future actions are positively-biased towards the occurrence of the event.

A computer based method for acquiring life history information from an applicant for employment to minimize positive response bias and enhance the veracity of the acquired life history information. A question collection related to at least one life event is presented to the applicant. The question collection is comprised of a revealed stem question and at least one hidden branch question, the hidden branch question being related to the stem question. Based on the stem question response, the method automatically determines whether to present at least one hidden branch question to the applicant. If a hidden branch question is presented to the applicant, the applicant's response is received and stored in the computer database. The response to the stem question and the response to the hidden branch question are predictive of a predefined negative outcome for the applicant.

The life history of a person or entity can be presented in a graphical representation of a highway. Life events may be represented by simple data strings, or by files such as photographs, dissertations, job offers, and love-letters, among others. For ease in viewing, the information representing the life history is categorized according to type (medical, educational, photographic, etc.) and placed in lanes corresponding to the type of information. The information is also organized by date, being placed between mile corresponding to temporal periods, for instance, years. Other graphical arrangements of stored information are also included.

A system and method for implementing a computer-aided event history calendar includes computer component systems for storing, processing, displaying, and entering the event history calendar data. Recall of retrospective, autobiographical use of consumer products or substance exposure is facilitated in the context of an event history calendar whereby a respondent is asked questions concerning the occurrence and timing of various important life events throughout the respondent's life. Questions are asked regarding the respondent's usage of particular consumer products or exposures to substances as well as the sources of those products or substances. To assist the respondent in recalling the specific sources of consumer products or substances, source-identifying features of various possible consumer products the respondent may have used or substances the respondent may have been exposed to are displayed to the user. In one application of the invention intended to assess the likelihood of contracting lung cancer associated with the use of low-tar verses full flavor cigarettes, users are asked about the brand, timing, and amount of cigarettes used throughout their lifetime, and to assist the user's recall, images of various cigarette packaging are displayed to the user.

Virtual attendance at a life event is accomplished by inviting guests to attend the life event, providing an event hall for attendance by a first group of invited guests, and providing remote access to at least one portion of the life event for a second group of invited guests. The remote access preferably includes a bi-directional link providing real-time interaction between the first group and the second group of the invited guests. Management of such a virtual attendance system is preferably accomplished by storing a list of guests invited to remotely attend the life event, registering invited guests on the list, accepting payment from invited guests on the list, and outputting a Uniform Resource Locator (an address of a Web site preferably having at least one real-time video link to the event hall) associated with the life event to the invited guests on the list, only if payment is accepted.

Televisions, computers, computer devices, facsimile machines, radios, telephones, walkie-talkies, are used to view, listen to and communicate with individuals in the television studio who, as the secondary program, are watching a primary program (sports, news, commercials, awards, etc.) and discussing those events along with any other topic they choose to. The listening / viewing audience is able to enjoy the primary and secondary programs with two televisions, or one television with picture in picture capability, or a television and a computer. The secondary program commentators and viewing / listening audience may use phones, walkie-talkies, computers, computer devices, and facsimile machines to communicate with each other concerning the primary programming, which could consist of any life event or topic they choose.

A dynamically reconfigurable insurance product, system, and computer-implemented method may, with customer permission or consent, collect customer data; analyze the customer data to determine life events, and customer location and activities; and dynamically adjust the insurance product in real-time or substantially real-time. The dynamically reconfigurable insurance product may include several types of insurance, such as auto, home, life, personal articles, etc. From the data collected, risk levels associated with the insured, their family, and / or personal belongings may be adjusted. Based upon the risk levels determined, different types of the insurance within the insurance product may be updated, or new types of insurance may be added to the insurance product. For instance, based upon a marriage or birth of a child, life insurance coverage may be added or increased. The customer may then be notified of the changes, or proposed changes, and approve or reject the changes to the insurance product.

A process for predicting and forecasting life events and a system that performs a life analysis of a person and predicts life events, milestones, and other life paths are disclosed. Predictability and intelligent forecasting of life statuses, milestones, and achievements are provided through a unique combination of algorithms, heuristic rules, data analytics and digitization.

A system for managing a plurality of child profiles is provided that allows parents of children to capture a child's life events in media files, which are automatically imported into a life album for each child. The system also generates different views for the child's life album based upon both user-generated information and computer-generated information, and allows users to identify favorite media files for review using other tree structures. The system could automatically generate a face transformation video from life album media files, and could automatically generate expert queries from common issues gleaned from community discussions that are summarized and exported to experts for review.

Embodiments of the invention are directed to systems, methods, and computer program products for performing a stress test on a retirement plan. The system is configured to calculate a retirement score for a retirement plan of a user based on one or more parameters; determine one or more life events likely to occur for the user; perform a stress test on the retirement plan of the user to determine whether the retirement plan is capable of withstanding the one or more life events; provide recommendations to the user if the retirement plan of the user is not capable of withstanding the one or more life events.

A computer-implemented simulation calculates financial consequences and likelihoods for a large number of potential real life events based on demographic data and based on an individual's responses to a questionnaire, in order to predict which types of financial products might best serve the individual's long term needs based on market trends extrapolated from historical market data. The computer-implemented simulation model provides an objective, non-speculative basis for recommending financial products that are most likely to meet the individual's present and future financial needs. The model assumes that any number of different products can satisfy customer needs for matters such as wealth generation, wealth and social status preservation, wealth transfer, or charitable giving. The model also factors whether existing and anticipated funding sources are to be dispensed in the form of a sinking or sustainable fund. Product affordability is also taken into consideration.

The pre-need combination risk protection insurance policy; a transferable, portable pre-need or individual insurance policy with combination risk protection features in a single product or pre-need product in conjunction with life event services dependent on a service provider, group of service providers, merchandise providers and having a contractual association with a service provider to provide products, transferable services, transferable plans as a service with combination risk protection insurance in a single product or pre-need product to streamline service providers operations in many industries to increase profitability through centralization of operations.

Embodiments of a game system and method employ the outcomes of external real-life events in determining winners. Generally, in various embodiments, the game system selects a group of performers for presenting in a game play area of an issued ticket, determines a performance score for each performer based on each performer's real-life performance in an upcoming event, and compares the performance score with the scores other performers in order to determine whether the ticket has zero, one or more winners. In embodiments, the game system can monitor performer status between the time of ticket issuance and the time of performance, and can replace any originally selected performers who become unavailable with a replacement performer. The game system and method of the present disclosure thus ensure that issued tickets maintain a full complement of chances based on external event outcomes.

A computer-implemented method and apparatus assists a user with diabetes management. The apparatus and method enables the user to record a plurality of their life events; record a plurality of their emotions, each corresponding to one of the plurality of life events; record a plurality of their blood glucose levels, each corresponding to one of the plurality of life events; and predict their glucose changes corresponding to their engaging in one of the recorded life events, and having the corresponding emotion to prevent hypoglycemia.