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PROVIDING FUNDING
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Technical Examples
- A system and method for qualifying a bidder over a global network for an auction helps to significantly reduce or eliminate commerce fraud. An auction site, for example, enlists the system to maintain bidder funding accounts for prospective bidders. When a bid is placed, the funds are reserved in the bidder's bidder funding account including funds for a deposit if required. In the event that a bidder is not the high bidder, the reserved funds are released. At completion of the auction, the funds may be transferred from the winning bidder's bidder funding account to the seller, and the bid holds are released. A balance in the bidder funding account can be established according to funds deposited in the account in an interest-bearing account or via a line of credit issued from a bank card issuing company or the like.
- Various embodiments of the present invention are directed to methods and systems for securitization of certificates of deposit. In addition, the present invention relates to a corresponding security itself (e.g., a security associated with one or more certificates of deposit). As such, in one embodiment, the present invention creates a more or less standard investment instrument (i.e. the funding certificate) by pooling the CDs to back the instrument-thus, the net effect is the replacement of non-marketable instrument provided by financial institutions (i.e. the CD) with negotiable securities issued in the public capital markets (i.e. the funding certificate).
- A computer-implemented process creates a financial plan for parental funding of a student's college education. The plan includes a variable life insurance policy, a schedule of estimated college loans to be applied for by the parent for each of the years of attendance by the student, consolidation loan recommendations for consolidation of the annual college loans, including monthly debt servicing amounts for the consolidation loan, and debt servicing recommendations for making withdrawals or loans against the accumulated value of the life insurance policy to pay at least some of the monthly debt servicing amounts of the consolidation loan.
- Herein disclosed are a portable information terminal and a communication system according to the present invention. The portable information terminal comprises an information providing unit 109 for providing information in accordance with a providing method which the information providing unit 109 is set to, a providing pattern data storage unit 104 for storing therein pattern data associating each of the providing methods with a location and a moving speed, a sensor unit 102 for detecting a current location and a moving speed, and a providing method control unit 106 for obtaining the providing method associated with the current location and the moving speed from the providing pattern data storage unit 104 and controlling an output port 108 to change the providing method previously set to the information providing unit 109 to have the information provided in accordance with the providing method indicated by the obtained pattern data.
- A method of fabricating an electronic structure by providing a conductive layer, providing a dielectric layer over the conductive layer, providing first and second openings through the dielectric layer, providing first and second conductive bodies in the first and second openings respectively and in contact with the conductive layer, providing a memory structure over the first conductive body, providing a protective element over the memory structure, and undertaking processing on the second conductive body.
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