Patent application number | Description | Published |
20090101516 | METHODS AND APPARATUS FOR THE SYNTHESIS OF USEFUL COMPOUNDS - The present invention relates to methods and apparatus for activation of a low reactivity, non-polar chemical compound. In one example embodiment, the method comprises introducing the low reactivity chemical compound to a catalyst. At least one of (a) an oxidizing agent or a reducing agent and (b) a polar compound is provided to the catalyst and the chemical compound. An alternating current is applied to the catalyst to produce an activation reaction in the chemical compound. This activation reaction produces a useful product. The present invention also relates to a method for oxidizing aromatic compounds by electrocatalysis to oxidized products. | 04-23-2009 |
20090134037 | Methods and apparatus for the synthesis of useful compounds - The present invention relates to methods and apparatus for activation of a low reactivity, non-polar chemical compound. In one example embodiment, the method comprises introducing the low reactivity chemical compound to a catalyst. At least one of (a) an oxidizing agent or a reducing agent and (b) a polar compound is provided to the catalyst and the chemical compound. An alternating current is applied to the catalyst to produce an activation reaction in the chemical compound. This activation reaction produces a useful product. | 05-28-2009 |
20120241327 | MATERIALS AND DESIGN FOR AN ELECTROCATALYTIC DEVICE AND METHOD WHICH PRODUCES CARBON NANOTUBES AND HYDROCARBON TRANSPORTATION FUELS - The present teachings are directed toward an electrocatalytic cell including a barrier, having at least a first side and a second side opposite the first side, comprising a material permeable to oxygen ions and impermeable to at least CO | 09-27-2012 |
20120245236 | FISCHER-TROPSCH CATALYSTS CONTAINING IRON OR COBALT SELECTIVE TOWARDS HIGHER HYDROCARBONS - Cryptomelane-type manganese oxide octahedral molecular sieves (OMS-2) supported Fe and Co catalysts are utilized in a method for producing hydrocarbons by a Fischer-Tropsch mechanism. The hydrocarbon producing method includes providing a catalyst of a manganese oxide-based octahedral molecular sieve nanofibers with an active catalyst component of at least one of iron, cobalt, nickel, copper, manganese, vanadium, zinc, and mixtures thereof, and further containing an alkali metal. The formation of iron carbides and cobalt carbides by exposing the catalyst to conditions sufficient to form those carbides is also taught. After the catalyst has been appropriately treated, a carbon source and a hydrogen source are provided and contacted with the catalyst to thereby form a hydrocarbon containing product. The catalyst have high catalytic activity and selectivity (75%) for C2+ hydrocarbons in both CO hydrogenation and CO2 hydrogenation. Highly selective syntheses of high value jet fuel, C2-C6 alkenes, C2-C6 carboxylic acids; α-hydroxylic acids and their derivatives have been realized by tuning the oxidation ability of OMS-2 supports and by doping with Cu | 09-27-2012 |
Patent application number | Description | Published |
20100161379 | METHODS AND SYSTEMS FOR PREDICTING CONSUMER BEHAVIOR FROM TRANSACTION CARD PURCHASES - A computer-based method for predicting consumer behavior is provided. The method is performed using a computer system coupled to a database. The method includes recording consumer data in the database for each consumer of a global population of consumers including historical purchases made by each consumer using a transaction card, defining a life event by assigning spending variables to the life event, determining a sample group of consumers that are experiencing the life event based on the consumer data stored within the database with respect to the spending variables, generating a predictive model based on historical purchases made by consumers within the sample group, and applying the predictive model to predict each consumer within the global population that will experience the life event. The predictive model is applied using the computer system. A list of consumers predicted to experience the life event within a predetermined time period is output. | 06-24-2010 |
20150019394 | MERCHANT INFORMATION CORRECTION THROUGH TRANSACTION HISTORY OR DETAIL - A method of updating location information associated with a merchant in an electronic payment card network includes retrieving a plurality of payment transaction records associated with a merchant over a predetermined period of time. The plurality of payment transaction records are associated with a plurality of payment accounts, and include location data, including a country of issuance, associated with the payment card accounts. The location data associated with the plurality of payment accounts are aggregated. The merchant's location information is updated in payment transaction records and, optionally, in a central database of merchant location data, based on the aggregated location data associated with the plurality of payment accounts, for example, based on a country of issuance of a majority of the payment cards associated with the payment accounts. | 01-15-2015 |
20150039390 | MOBILE MARKETING AND TARGETING USING PURCHASE TRANSACTION DATA - A method for making a targeted offer by a telecommunication entity to an audience is provided. The method involves receiving from the telecommunication entity a first set of information including billing activities attributable to the telecommunication entity and payment activities attributable to the audience, by a financial transaction processing entity; retrieving by the financial transaction processing entity a second set of information including billing activities attributable to the financial transaction processing entity and purchasing and payment activities attributable to the audience; and generating one or more predictive behavioral models based at least in part on the first set and second set of information. The method also involves identifying activities and characteristics attributable to the audience based on the predictive behavioral models, and conveying those to the telecommunication entity. A system for making a targeted offer by a telecommunication entity to an audience is also provided. | 02-05-2015 |
20150046220 | PREDICTIVE MODEL OF TRAVEL INTENTIONS USING PURCHASE TRANSACTION DATA METHOD AND APPARATUS - A system, method, and computer-readable storage medium configured to predict travel intentions of a payment cardholder based on transaction payment card purchases. | 02-12-2015 |
20150046302 | TRANSACTION LEVEL MODELING METHOD AND APPARATUS - A system, method, and computer-readable storage medium configured to enable transaction level modeling of payment card use. | 02-12-2015 |
20150058088 | METHOD AND SYSTEM FOR USING TRANSACTION DATA TO ASSIGN A TRADE AREA TO A MERCHANT LOCATION - A method for identifying a merchant trade area, includes: receiving a trade area request, the request identifying a merchant; storing a plurality of consumer location data entries, each entry including data related to a consumer involved in one or more payment transactions with the merchant, including a geographic location associated with the related consumer; identifying a geographic location associated with the merchant; identifying at least one geographic deviation metric based on the geographic location associated with the related consumer included in each entry of the plurality of consumer location data entries; identifying a merchant trade area based on the geographic location associated with the merchant and the identified at least one geographic deviation metric; and transmitting the identified merchant trade area in response to the received trade area request. | 02-26-2015 |
20150066651 | Method and System for Secure Mobile Payment Processing and Data Analytics - A method for processing payment transactions includes: storing a plurality of consumer profiles, wherein each consumer profile includes data related to a consumer including at least a combined identifier and at least two payment account identifiers; receiving an authorization request for a payment transaction originating from a point of sale device, wherein the authorization request includes at least a combined identification; identifying a specific consumer profile where the included combined identifier corresponds to the combined identification; transmitting at least the at least two payment account identifiers included in the specific consumer profile to the point of sale device; receiving an indication of one of the at least two payment account identifiers from the point of salve device; updating the authorization request to include at least the indicated one of the at least two payment account identifiers; and transmitting the updated authorization request. | 03-05-2015 |
20150066729 | SYSTEM AND METHOD FOR CURRENCY EXCHANGE RATE FORECASTING - A method for forecasting currency exchange rate is provided. The method involves: providing one or more databases configured to store a first set of information comprising microeconomic information that includes at least payment card holder transaction information; providing one or more databases configured to store a second set of information comprising macroeconomic information; and providing one or more databases configured to store a third set of information comprising foreign exchange market (Forex) information. The method also involves generating, from the first set of information, payment card holder transaction based variables in different currencies for comparable goods and/or services; integrating the payment card holder transaction based variables in different currencies, generated from the first set of information, with the second set of information and the third set of information; and forecasting the currency exchange rate based on the integrated information using a forecasting model that includes exogenous covariates, on a currency exchange time series. A system for forecasting currency exchange rate is also provided. | 03-05-2015 |
20150073906 | METHOD AND SYSTEM FOR OPTIMIZING LOCATION-BASED TARGETED ADS SERVED ON A MOBLE DEVICE - A method for distributing an optimized offer to a mobile communication device includes: storing a plurality of offer data entries, each offer data entry including offer data and an offer location; storing a consumer profile, the consumer profile including historical geographic location data of a mobile communication device associated with the related consumer; receiving a geographic location of the associated mobile communication device; identifying at least one inferred future geographic location for the associated mobile communication device based on the received geographic location and the historical geographic location data; identifying at least one offer data entry where the included offer location corresponds to one of the identified at least one inferred future geographic location; and transmitting the offer data included in the identified at least one offer data entry to the associated mobile communication device. | 03-12-2015 |
Patent application number | Description | Published |
20100293000 | SYSTEM FOR EVALUATING POTENTIAL CLAIM OUTCOMES USING RELATED HISTORICAL DATA - A computer system includes a data storage device. The data storage module receives, stores, and provides access to historical claim data. A categorical aggregation component comprising program instructions stored in a program memory provides categorized and aggregated historical claim data by identifying claim categories based on the historical claim data, each of the one or more claim categories associated with a respective set of claim characteristics, identifying claims of the historical claim data associated with one of the claim categories, assigning each identified claim to one of a plurality of total severity ranges based on the total severity of the identified claim, and determining an average cost per claim year for claims of each total severity range when executed by a computer processor. | 11-18-2010 |
20120116801 | SYSTEM FOR EVALUATING POTENTIAL CLAIM OUTCOMES USING RELATED HISTORICAL DATA - A computer system includes a data storage device. The data storage module receives, stores, and provides access to historical claim data. A categorical aggregation component comprising program instructions stored in a program memory provides categorized and aggregated historical claim data by identifying claim categories based on the historical claim data, each of the one or more claim categories associated with a respective set of claim characteristics, identifying claims of the historical claim data associated with one of the claim categories, assigning each identified claim to one of a plurality of total severity ranges based on the total severity of the identified claim, and determining an average cost per claim year for claims of each total severity range when executed by a computer processor. | 05-10-2012 |
20130290037 | SYSTEM AND METHOD FOR CALCULATING ESTIMATED CLAIM COSTS - A computer system includes a data storage device. The data storage module receives, stores, and provides access to historical claim data. A categorical aggregation component comprising program instructions stored in a program memory provides categorized and aggregated historical claim data by identifying claim categories based on the historical claim data, each of the one or more claim categories associated with a respective set of claim characteristics, identifying claims of the historical claim data associated with one of the claim categories, assigning each identified claim to one of a plurality of total severity ranges based on the total severity of the identified claim, and determining an average cost per claim year for claims of each total severity range when executed by a computer processor. | 10-31-2013 |
Patent application number | Description | Published |
20110117114 | Neovascular-Targeted Immunoconjugates - Immunoconjugates for treating diseases associated with neovascularization such as cancer, rheumatoid arthritis, the exudative form of macular degeneration, and atherosclerosis are described. The immunoconjugates typically consist of the Fc region of a human IgG1 immunoglobulin including the hinge, or other effector domain or domains that can elicit, when administered to a patient, a cytolytic immune response or cytotoxic effect against a targeted cell. The effector domain is conjugated to a targeting domain which comprises a factor VII mutant that binds with high affinity and specificity to tissue factor but does not initiate blood clotting such as factor VII having a substitution of alanine for lysine-341 or of alanine for serine-344. | 05-19-2011 |
20120082686 | Neovascular-Targeted Immunoconjugates - Immunoconjugates for treating diseases associated with neovascularization such as cancer, rheumatoid arthritis, the exudative form of macular degeneration, and atherosclerosis are described. The immunoconjugates typically consist of the Fc region of a human IgG1 immunoglobulin including the hinge, or other effector domain or domains that can elicit, when administered to a patient, a cytolytic immune response or cytotoxic effect against a targeted cell. The effector domain is conjugated to a targeting domain which comprises a factor VII mutant that binds with high affinity and specificity to tissue factor but does not initiate blood clotting such as factor VII having a substitution of alanine for lysine-341 or of alanine for serine-344. | 04-05-2012 |
Patent application number | Description | Published |
20080206227 | FACTOR VII CONJUGATES FOR SELECTIVELY TREATING NEOVASCULARIZATION DISORDERS - Methods and compositions are provided for the treatment of diseases such as exudative macular degeneration, diabetic retinopathy, retinopathy of prematurity, choroidal neovascularization, retinal neovascularization, iris neovascularization, corneal neovascularization, ocular tumors, and other disorders of the eye, cancer, and inflammatory disorders. The method involves administering a conjugate, referred to as fVIIPD, containing a photosensitizer and a targeting molecule such as factor VII (“fVII”), fVIIa, or modified fVII, which binds with high affinity and specificity to tissue factor (TF). TF is more highly expressed, abnormally expressed or specifically expressed on endothelial cells lining the luminal surface of pathological neovasculature, than on normal vasculature, thus providing a specific and accessible therapeutic target. Following administration of fVIIPD, the compound specifically binds to the pathological neovasculature of the eye by interaction of the targeting molecule with TF expressed by endothelial cells within abnormal blood vessels. The photosensitizer may then be activated with a non-thermal laser light for selective destruction of abnormal vasculature. | 08-28-2008 |