MAI MUUTA TONTUNDUM UT US009818156B2 ( 12 ) United States Patent Quinton ( 10 ) Patent No .: US 9 , 818 , 156 B2 (45) Date of Patent : Nov . 14 , 2017 2005 / 0108146 A1 * 5/ 2005 Bond .. . . . . ... . . . .. . . ( 54 ) MULTIPLE MODULAR ASSET CONSTRUCTOR APPARATUSES , METHODS AND SYSTEMS 2010 / 0057636 Al * 3/ 2010 Brennan G06Q 40 / 06 705 / 37 G06Q 40 / 06 705 / 36 R .. .. .. . . .. .. . ( 71 ) Applicant : FMR LLC , Boston , MA ( US ) * cited by examiner ( 72 ) Inventor : Keith Quinton , Hanover , NH ( US ) ( 73 ) Assignee : FMR LLC , Boston , MA ( US ) Primary Examiner - Robert R Niquette ( 74 ) Attorney , Agent , or Firm — Hanchuk Kheit LLP ; Walter G . Hanchuk ( * ) Notice : Subject to any disclaimer , the term of this patent is extended or adjusted under 35 U . S .C . 154 ( b ) by 388 days . ( 21 ) Appl . No .: 14 / 601 , 061 ( 22 ) Filed : Jan . 20 , 2015 ( 65 ) Prior Publication Data US 2016 / 0210696 A1 Jul . 21 , 2016 ( 51 ) Int . Cl . G060 40 / 08 ( 2012 . 01 ) G06Q 40 / 06 ( 2012 . 01 ) ( 52 ) U . S . CI . CPC G06Q 40 /06 ( 2013 . 01 ) ( 58 ) Field of Classification Search None See application file for complete search history . ( 57 ) ABSTRACT The Multiple Modular Asset Class Constructor Apparatuses , Methods and Systems ( “ MMACC " ) transforms collateral ized equity obligation structure parameters , asset search , tranche selections inputs via MMACC components into asset income distribution message , principal distribution message outputs . In one embodiment , the MMACC is an apparatus , with a memory having a component collection , including : a capital structure component , a preferred share class component , and a common share class component . The MMACC also has a processor to issue instructions from the component collection including instructions to obtain a capital structure input via said capital structure component from a system user and determine a preferred share class allocation via said capital structure input and said preferred share class component . The MMACC may use the preferred share class allocation derived from said capital structure input and said preferred share class component and deter mine a common share class allocation via said capital structure input and said common share class component . The MMACC may also output said common share class alloca tion derived from said capital structure input and said common share class component . ( 56 ) References Cited U .S. PATENT DOCUMENTS 8 , 595 , 116 B1 * 11 / 2013 Bettinger , II . . . .. . . . . . G06Q 40 / 04 705 / 36 R 6 Claims , 25 Drawing Sheets Client (s) 1876 MMAC 1992 3rd party / Market 1984 rd party / Market 1985 Asset Buyers 187a All ers 187 , Client ( s ) 186b User ( 5 ) 1862 MACC Collateralized Equity Obligation structures parameters 101 MMACC 1996 to??????? ?y? obligation datastructure parameters ( CEO ) message 102 27 Asset search request 107 Asset search 106 Pool Tranche Instantiation Component (e .g .,see Fig . 2a ) 143 Asset search response 108 Display asset search response 109 Asset Tranche Offer Message 104 Select asset tranche 110 Tranche Asset Transact Component ( e. g. , see Fig . 2b ) 142 Asset tranche purchase order 111 Www Distribute Income less dividend , etc . ) Tranche Component ie . 9, see Fig . 2c : 143 Income Distribution Message 113 Income distribution message 114 ( 13 YR Distribute Principal te . g , capita appreciation / corpus / position proceeds / etc . ) Tranche Component ( 0 . 5 . See Fig .20 344 Principal Distribution ml Message 116 Principal distribution message 117 : MMACC — Datagraph
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MAI MUUTA TONTUNDUM UT US009818156B2
( 12 ) United States Patent Quinton
( 10 ) Patent No . : US 9 , 818 , 156 B2 ( 45 ) Date of Patent : Nov . 14 , 2017
( 71 ) Applicant : FMR LLC , Boston , MA ( US ) * cited by examiner ( 72 ) Inventor : Keith Quinton , Hanover , NH ( US )
( 73 ) Assignee : FMR LLC , Boston , MA ( US ) Primary Examiner - Robert R Niquette ( 74 ) Attorney , Agent , or Firm — Hanchuk Kheit LLP ; Walter G . Hanchuk
( * ) Notice : Subject to any disclaimer , the term of this patent is extended or adjusted under 35 U . S . C . 154 ( b ) by 388 days .
( 21 ) Appl . No . : 14 / 601 , 061
( 22 ) Filed : Jan . 20 , 2015 ( 65 ) Prior Publication Data
US 2016 / 0210696 A1 Jul . 21 , 2016 ( 51 ) Int . Cl .
( 52 ) U . S . CI . CPC G06Q 40 / 06 ( 2013 . 01 )
( 58 ) Field of Classification Search None See application file for complete search history .
( 57 ) ABSTRACT The Multiple Modular Asset Class Constructor Apparatuses , Methods and Systems ( “ MMACC " ) transforms collateral ized equity obligation structure parameters , asset search , tranche selections inputs via MMACC components into asset income distribution message , principal distribution message outputs . In one embodiment , the MMACC is an apparatus , with a memory having a component collection , including : a capital structure component , a preferred share class component , and a common share class component . The MMACC also has a processor to issue instructions from the component collection including instructions to obtain a capital structure input via said capital structure component from a system user and determine a preferred share class allocation via said capital structure input and said preferred share class component . The MMACC may use the preferred share class allocation derived from said capital structure input and said preferred share class component and deter mine a common share class allocation via said capital structure input and said common share class component . The MMACC may also output said common share class alloca tion derived from said capital structure input and said common share class component .
Transactions 23199 Merchants 2319h CEO 23191 CEO 23191 Distribute Principal Tranche component 2344 Distribute Income Tranche Component 2343 Tranche AssetTransact component 2342
Pool Tranche Tnstantiation Component 2341 Slice lype 2319
Crypto Sivr 2320 Mail Server 2321 Into . Server 2316
Mail Client 3322 Web Browser 2318 User Interface 231
Marketvata le : 9 . 77 feed ) 23192
Operating System ( OS ) 2315
Sa Memory 232 * MMACC Controller 2301 MMACC Controller 23
Fig . 23 : MMACC — Controller
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nnova
MULTIPLE MODULAR ASSET FIG . 6 shows a graph illustrating embodiments an equity CONSTRUCTOR APPARATUSES , METHODS product line relationship between returns and risk for the
AND SYSTEMS MMACC ; FIG . 7 shows a datagraph illustrating funds ' relationship
This application for letters patent disclosure document 5 between returns and risk for the MMACC ; describes inventive aspects that include various novel inno - FIG . 8 shows graphs illustrating funds ' performances for vations ( hereinafter “ disclosure ” ) and contains material that the MMACC ; is subject to copyright , mask work , and / or other intellectual FIGS . 9A - B show graphs illustrating funds ' correlated property protection . The respective owners of such intellec - performances for the MMACC ; tual property have no objection to the facsimile reproduction duction 10 FIG . 10 show a datagraph illustrating a CEO structure for
the MMACC ; of the disclosure by anyone as it appears in published Patent FIG . 11 show a calculation worksheet illustrating a hypo Office file / records , but otherwise reserve all rights . thetical CEO structure values for the MMACC ; FIELD FIG . 12 show a calculation worksheet actual 1970 CEO
15 structure values for the MMACC ; FIGS . 13 - 14 show graphs of a range of outcomes from The present innovations generally address information 1961 - 2008 of average annual returns and volatility for the technology , and more particularly , include Multiple Modular example CEO structure for the MMACC ; Asset Class Constructor Apparatuses , Methods and Systems . FIG . 15 shows a graph of a range of outcomes from
However , in order to develop a reader ' s understanding of 20 1961 - 2008 of average annual returns and volatility with risk the innovations , disclosures have been compiled into a shifted by changing tranche allocations for the example single description to illustrate and clarify how aspects of CEO structure for the MMACC : these innovations operate independently , interoperate as FIG . 16 shows a graph of a range of outcomes from between individual innovations , and / or cooperate collec - 1961 - 2008 of average 5 year cumulative returns and vola tively . The application goes on to further describe the 25 tility for the example CEO structure for the MMACC ; interrelations and synergies as between the various innova FIG . 17 shows a graph of a trailing 5 year MMACC tions ; all of which is to further compliance with 35 U . S . C . tranche correlations with the S & P 500 for the example CEO $ 112 . structure for the MMACC ;
FIGS . 18 - 19A - D show graphs of an annual return and BACKGROUND 30 cumulative value of a 2003 - 2007 tranche for the example
CEO structure for the MMACC ; Information technology allows users to access streams of FIG . 20 shows a block diagram illustrating example
information through various user interfaces . Databases can tranche outcomes for a $ 300M fund with 5 % yield for the track assets such as physical inventory , equity shares , example CEO structure for the MMACC ; accounts receivable / payable . debts / loans and derivatives 35 FIGS . 21A - B show graphs illustrating dividends received thereof . Some assets have stable values while others vary by tranche vs dividends received in a given year , as an greatly , the various assets sometimes generating income option ( income ) the example CEO structure for the
MMACC ; streams , while other times appreciate / depreciate . These dif ferent assets have different risk exposures and may be a FIGS . 22A - B show graphs illustrating dividends received attractive to different types of owners . 40 by tranche vs dividends received in a given year , as an
option ( capital ) the example CEO structure for the MMACC ; BRIEF DESCRIPTION OF THE DRAWINGS FIG . 23 shows a block diagram illustrating embodiments of a MMACC controller , Appendices and / or drawings illustrating various , non $ ; hon - 45 APPENDIX 1 illustrates initial purchase embodiments of limiting , example , innovative aspects of the Multiple Modu the MMACC ; lar Asset Class Constructor Apparatuses , Methods and Sys APPENDIX 2 illustrates 5 years of dividends embodi
tems ( hereinafter “ MMACC " ) disclosure , include : ments of the MMACC ; and FIG . 1 shows a datagraph illustrating example embodi - APPENDIX 3 illustrates Dec . 31 . 2013 liquidation
ments of the MMACC ; 50 embodiments of the MMACC . FIG . 2a shows a logic flow diagram illustrating embodi Generally , the leading number of each citation number
ments of a pool tranche instantiation component for the within the drawings indicates the figure in which that MMACC ; citation number is introduced and / or detailed . As such , a
FIG . 2b shows a logic flow diagram illustrating embodi - detailed discussion of citation number 101 would be found ments of a tranche asset transact component for the 55 and / or introduced in FIG . 1 . Citation number 201 is intro MMACC ; duced in FIG . 2 , etc . Any citation and / or reference numbers
FIG . 2c shows a logic flow diagram illustrating embodi - are not necessarily sequences but rather just example orders ments of a distribute income tranche and distribute principal that may be rearranged and other orders are contemplated . tranche components for the MMACC ;
FIG . 3 shows a datagraph illustrating example embodi - 60 DETAILED DESCRIPTION ments of the MMACC ;
FIG . 4 shows a calculation worksheet illustrating embodi - The Multiple Modular Asset Class Constructor Appara ments of a 2008 vintage CEO datastructure parameters for tuses , Methods and Systems ( hereinafter “ MMACC ” ) trans the MMACC ; forms collateralized equity obligation structure parameters ,
FIG . 5 shows a datagraph companion to the worksheet 65 asset search , tranche selections inputs , via MMACC com illustrating embodiments of a 2008 vintage CEO datastruc - ponents ( e . g . , pool tranche instantiation 2341 , tranche asset ture parameters for the MMACC ; transact 2342 , distribute income tranche 2343 , distribute
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principal tranche 2344 of FIG . 23 , etc . ) , into asset income one of those stocks and allocate it to an equity income distribution message , principal distribution message outputs . investor and then at the end of a specified holding period In another embodiment , the MMACC transforms a Capital ( e . g . , 5 year maturity ) the equity income holder will have Structure Component inputs via Preferred Share Class and first claim of getting the principal value they invested out of Common Share Class components into a series of multi - 5 the portfolio ) . In other words , the MMACC slices the share class product offerings . The Capital Structure Com - component return of each stock and allocates it rather than ponent may include one or more of a UIT ( Unit Investment vertically putting each stock into a different portfolio . As Trust ) sub - component , a CLO ( Collateralized Loan Obliga - such , MMACC allows the equity component may be sliced tion ) & CEO ( Collateralized Equity Obligation ) sub - com - of for one group of investors and an income component may ponent and / or an ETF ( Exchange Traded Fund ) sub - com - 10 be sliced off for another group . In one embodiment , ponent . The Preferred Share Class component may include MMACC could allow trades during the maturity period . It one or more of an Income Share Class sub - component , and may be sliced in numerous tranches to distribute and allocate a Growth & Income Share Class sub - component . The Com - portions of the income and capitol at the end of the maturity mon Share Class component may include a Capital Appre - period based on different rules ( e . g . , taking an equity product ciation sub - component . As such , the MMACC may trans - 15 and creating a piece out of it so its like a bond but with a form straight equity products into more attractive higher income component where the MMACC would take a instruments by dividing and allocating the return and risk tranche out of the equity portfolio that provides to a stake streams . The MMACC , rather than allocate stocks to types holder holding until maturity , and when sold , the stake of funds , allocates a portion of each stock ' s return to holder gets their principal back and whatever income made different possible funds : ( 1 ) Income , ( 2 ) Growth & Income 20 during that period ) . In addition to allowing stake holders and / or ( 3 ) Capital Appreciation via a plurality of share owning an income component , equity component and also classes . As such , the MMACC components , in various hybrid components . In one embodiment , MMACC provides embodiments , implement advantageous features as set forth a coverage ratio feature where , for example , MMACC buys below . $ 100 of stock and sells only $ 50 via an income component ,
25 then the MMACC has income from a $ 100 portfolio cov Introduction ering the income promised to the $ 50 income component
( i . e . , protecting the income portfolio ) . In one embodiment , The MMACC provides a new datastructure and data the MMACC employs a collateralized loan obligation
stream allowing asset owners to receive benefits and features ( CLO ) structure to transact , but instead as a collateralized that were never before available from a single asset type . 30 equity obligation datastructure ( CEO ) . Although at one time The MMACC can create slices of value from pools of assets primes and scores could take a stock and split the return of that were never before separable . In this way , an asset buyer a stock into individual pieces , it was limited to as single may enjoy the just the dividend income ( usually paying stock and would work in perpetuity without maturity and set higher rates than bonds for example ) in one slice of an asset allowable trades of one or the other pieces ; it did not allow pool , while a different asset buyer may enjoy just the asset 35 for MMACC features such as , but not limited to : a portfolio appreciate component of that same asset pool without any context , multiple tranches , convergence ratios , fixed matu dividend income . The MMACC provides asset buyers ( e . g . , rity periods , etc . In one embodiment , the MMACC allows investors ) with a number of benefits including , but not users to set both ( a ) how much of each tranche is to be sold limited to , providing them with what they want : income with out of each aggregate pool and ( b ) set the income with an stable principal , growth & income with some capital risk or 40 initial yield paid and is set at the beginning of the period and capital appreciation ; specific term / duration ; no broker / un - does not change ( e . g . , a portfolio that yields 2 . 5 % and derwriter credit risk — not a derivative ; no reinvestment or MMACC sells a 25 % income tranche ( e . g . , sell maximum of roll risk ; low cost . MMACC can employ a datastructure ( s ) 10 % ) and can move the income level up or down in the representing : accounts receivable / payable ( e . g . , income ) , income tranche based on how much risk is to be taken across debts / loans , derivatives , dividends , equity , ETF , hybrid ( e . g . , 45 the other tranches ) . In another example , the MMACC allows permutations herein ) , indexes , mutual fund , notes , physical adjustment of the tranche size ( e . g . , if you only sell $ 20 of goods / inventory / products / services / etc . , trust , etc . ( hereinaf income out of $ 100 pool , then there is $ 80 in the capital ter " asset " or " assets ” ) , and / or a plurality of assets via an appreciation tranche , and the capital appreciation tranche asset ( e . g . , equity ) portfolio . In one embodiment , the provides a lot of support to cover the $ 20 of income over a MMACC help solve the problem that owners of assets ( e . g . , 50 given period ) . In one embodiment , the CEO may include a equity income products ) may experience , i . e . , where the force majeure trigger option where unforeseen events may market for the equity may move up and down while pro - cause liquidation and variations on the obligation . As such , viding a dividend yield , and that fluctuation is unpalatable to the CEO may establish a pool where a capital appreciation the owner where the value change might be greater than a tranche covers the income tranche and appreciation and more moderate asset such as a bond . The MMACC can take 55 corpus of the capital appreciation tranche . The initial tranche datastructures representing assets , e . g . , an equity portfolio , allocation may vary infinitely , but for example , if there was and rather than take assets ( e . g . , stocks ) and split them up by an income component of guaranteed $ 80 income over a risk ( e . g . , low risk stocks going into an equity income maturity period out of $ 100 , and only $ 20 in the capital portfolio and high risk stocks going into capital appreciation appreciation tranche , such a CEO would be very risky and portfolios ) , instead , the MMACC puts a pool of assets ( e . g . , 60 leveraged as there is not a lot of capital in the capital tranche stocks ) and slices the components of the return of each stock to cover short falls in the income tranche . In one embodi into different stake holders of the pool ( e . g . , rather than take ment , the MMACC charges an administrative fee for estab a stock A and say it is a low risk stock and put it into an lishing pools and tranches within a electronic database / equity income portfolio and the provide the return to an computer account and / or transactions in establishing such equity income investor receiving the total return of stock A , 65 electronic records / accounts and requisite accounts . instead MMACC takes a datastructures representing a port - It should be noted that a number of variations are offered folio of stocks and take provides dividend income for each by the MMACC . MMACC can vary : the Income / G & I /
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capital appreciation income and capital allocations to opti - kers , marketmakers , computerized systems , and / or the like mize risk distribution ; income allocation to optimize income 186a . Users can create MMACC datastructures and accom attractiveness to investors . MMACC offers numerous style panying new asset products , e . g . , users can provide speci spaces : large , mid , small , growth , core , value , international , fications and parameters for such new products such as U . S . , global , etc . MMACC can vary allocations of income 5 collateralized equity obligation datastructure ( CEO ) prod and capital appreciation for negative wealth impactor opti - ucts . mization and it can add an “ alpha ” layer for income or As part of creation of new CEO products , the users may appreciation . In one embodiment , the MMACC may create also specify the CEO ' s constituent slice types ( or inter products with a 5 ( or longer ) year period . This provides changeably slices and / or tranches ) . The CEOs may include brokers with the advantage of making a market with intra - 10 a specification of constituent asset ( s ) / portfolio ( s ) , slice types period as the underlying holdings are liquid and transparent . ( e . g . , income ( e . g . , current yield ) , income ( e . g . , dividend )
Some example product structures offered by the MMACC growth , capital appreciation ( e . g . , corpus / position / principal / include : proceeds / etc . ) , hybrid ( e . g . , growth & income ) , total return ,
Closed End Mutual Fund or U . I . T . With , e . g . , 3 , share etc . ) , asset buyer share specification , asset buyer conditions , classes : A : Income ; B : Growth & Income ; C : Capital Appre - 15 etc . ciation . Alternatively , these may be collapsed into , e . g . , 2 : The asset buyers 187a may be looking to acquire slices of preferred ( income ) and common ( capital appreciation ) . asset pools . The MMACC acts to create CEO products to the
As such , the MMACC may produce Collateralized Equity specifications of users 186a and makes otherwise unavail Obligation ( CEO ) products with the following slices : able asset slice types / tranches available to asset buyers tranche A , Income ; tranche B , Growth & Income ; tranche C , 20 where such products were simply never before available . Capital Appreciation . Alternatively , the CEO may be formed The MMACC may interoperate with market servers and 3rd as an ETF with publically disclosed holdings and AP ' s can party servers 198 ( e . g . , obtaining funds and / or assets from create and redeem . asset buyers to be used to populate and / or instantiate CEOs As such , the MMACC and its CEO datastructure products made by the MMACC 199 ) .
are revolutionary and transform normal asset / equities into 25 As such , users 186a may provide MMACC CEO structure more attractive instruments by slicing up and allocating the parameters 101 via their client devices 186b ( e . g . , app / web return and risk streams . based client with web forms for parameter specification ) .
The client device 1866 may then in turn provide a CEO MMACC datastructure parameter message to the MMACC which will
30 be used by the pool tranche component 141 ( e . g . , see FIG . FIG . 1 shows a datagraph illustrating example embodi - 2a and 2341 of FIG . 23 for more detail ) to create a new CEO
ments of the MMACC . The datagraph shows interactions product and associated tranches . In one embodiment , the between users 186a and their client devices 186b , a client may provide the following example CEO datastruc MMACC server ( s ) 199 , market / 3rd party server ( s ) 198 , and ture parameter message 102 , substantially in the form of a asset buyers 187a and their client devices 187b . In one 35 ( Secure ) Hypertext Transfer Protocol ( " HTTP ( S ) ” ) POST embodiment , the market server 198 may be incorporated message including eXtensible Markup Language ( “ XML " ) into the MMACC itself . Users may be administrators , bro - formatted data , as provided below :
POST / authrequest . php HTTP / 1 . 1 Host : www . server . com Content - Type : Application / XML Content - Length : 667 < ? XML version = " 1 . 0 " encoding = " UTF - 8 " ? > < CEO _ parameter _ message >
< user _ account _ credentials > < user _ name > JohnDaDoe Doe Doooe @ gmail . com < / account _ name > < password > abc123 < / password > I / OPTIONAL < cookie > cookieID < / cookie > / / OPTIONAL < digital _ cert _ link > www . mydigitalcertificate . com /
John DoeDaDoe Doe @ gmail . com / mycertifcate . de < / digital _ cert _ link > I / OPTIONAL < digital _ certificate > _ DATA _ < / digital _ certificate >
< / user _ account _ credentials > < / user accounts _ details > < client _ details > / / iOS Client with App and Webkit
< client _ IP > 10 . 0 . 0 . 123 < / client _ IP > < user _ agent _ string > Mozilla / 5 . 0 ( iPhone ; CPU iPhone OS 7 _ 1 _ 1 like Mac
OS X ) AppleWebKit / 537 . 51 . 2 ( KHTML , like Gecko ) Version / 7 . 0 Mobile / 110201 Safari / 9537 . 53 < / user _ agent _ string >
< client _ product _ type > iPhone6 , 1 < / client _ product _ type > < client _ serial _ number > DNXXX1X1XXXX < / client _ serial _ number > < client _ UDID > 3XXXXXXXXXXXXXXXXXXXXXXXXD < / client _ UDID > < client _ OSMOS < / client _ OS > < client _ OS _ version > 7 . 1 . 1 < / client _ OS _ version > < client _ app _ type > app with webkit < / client _ app _ type > < app _ installed _ flag > true < / app _ installed _ flag > < app _ name > MMACC . app < / app _ name > < app _ version > 1 . 0 < / app _ version > < app _ webkit _ name > Mobile Safari < / client _ webkit _ name > < client _ version > 537 . 51 . 2 < / client _ version >
< / client details >
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- continued < client _ details > / / iOS Client with Webbrowser
< client _ IP > 10 . 0 . 0 . 123 < / client _ IP > < user _ agent _ string > Mozilla / 5 . 0 ( iPhone ; CPU iPhone OS 7 _ 1 _ 1 like Mac
OS X ) AppleWebKit / 537 . 51 . 2 ( KHTML , like Gecko ) Version 7 . 0 Mobile / 110201 Safari / 9537 . 53 < / user _ agent _ string >
< client _ product _ type > iPhone6 , 1 < / client _ product _ type > < client _ serial _ number > DNXXX1X1XXXX < / client _ serial _ number > < client _ UDID > 3XXXXXXXXXXXXXXXXXXXXXXXXD < / client _ UDID > < client _ oS > iOS < / client _ oS > < client _ OS _ version > 7 . 1 . 1 < / client _ OS _ version > < client _ app _ type > web browser < / client _ app _ type > < client _ name > Mobile Safari < / client _ name > < client version > 9537 . 53 < / client version >
< / Slice Type3 > < CEO _ maturity _ date > 2025 - 12 - 31 - 23 : 59 : 59 < / CEO _ maturity _ date > < CEO _ income _ interval > quarterly < / CEO _ income _ interval >
< / CEO _ datastructure > < / CEO _ parameter _ message >
Once the MMACC 199 generates the CEO product data - buyers 187a . At this point , the asset buyers 187a may make structure , the MMACC stores it in its database . Then , the selections of desired CEO products and / or tranches 110 and MMACC may make the CEO and / or its tranches available 25 their client devices 187b will further on an asset tranche to the market via 3rd party servers 198 by sending an asset purchase order 111 back to the tranche asset transact com tranche offer message 104 detailing the types of CEO ponent 142 at the server ( s ) 198 , 199 . The asset tranche tranche products that are available . In one embodiment , the purchase order may include payment credentials ( e . g . , bank asset tranche offer message is the same as the CEO param account , credit card , etc . ) along with desired quintiles of eter message 102 . In one embodiment , the 3rd party server 30 product , and the tranche asset transact component may use
to obtain funds to secure the desired CEO product tranche and / or market servers 198 may be incorporated into the MMACC server 199 ; while in an alternative embodiment , for the asset buyer .
Once the asset buyers acquire the CEO product tranche , while in another embodiment , either the MMACC or the 3rd the MMACC may seek to make distributions according to party / market servers 198 may instantiate and execute the 35 asset buyers ' secured right . The distribute income tranche tranche asset transact component ( e . g . , see FIG . 2b and / or component ( e . g . , see FIG . 2c and / or 2343 of FIG . 23 for 2342 of FIG . 23 for more details ) . As such , the servers 198 , more details ) 143 seek to make payouts to all asset buyers 199 may store the asset tranche offer message 104 in their having an income tranche CEO product ( and / or hybrid / respective databases and make the new CEO product and apportioned product ) . Upon determining distributions , the tranches available for asset buyers 187 to search out such 40 distribute income tranche component 143 will issue an asset for procurement . In one embodiment , asset buyers income distribution message 113 to the tranche asset transact 187a provide criteria via their clients 187b to search for component 142 which may in turn move funds to / from the desired assets employing the 3ra party / market servers 198 asset buyers based on the performance of the CEO product ( e . g . , in one embodiment , the servers are financial institution tranche owned ( e . g . pro - rata share ) by the asset buyers , and equity brokerage systems allowing for asset searches of 45 as such , the asset buyers 187a will obtain an income items in their database systems , which now includes the new distribution message informing them of such distribution CEO products and tranches ) . The asset buyer ' s 187a client 114 . The MMACC server 199 will also seek to distribute devices 187b may further on the search request and criteria capital appreciation via the distribute principal tranche com 107 to the tranche asset transact component running on the ponent 144 ( e . g . , see FIG . 2c and / or 2344 of FIG . 23 for server ( s ) 198 , 199 . An example PHP / SQL listing for que - 50 more details ) , which also compute the appropriate distribu rying a database for a an asset search is below : tion of asset appreciation and issue a principal distribution
message 116 to the tranche asset transact component 142 , similarly causing fund movement and a principal distribu
< ? PHP tion message 117 to the asset buyers 187a . header ( " Content - Type : text / plain ' ) ; mysql _ connect ( “ 254 . 93 . 179 . 112 " , $ DBserver , $ password ) ; / / access ( - 254 . 93 . 179 . 112 ” , $ DBserver , Spassword ) ; / / access 55 55 FIG . 2a shows a logic flow diagram illustrating embodi database server ments of a pool tranche instantiation component for the mysql _ select _ db ( “ Asset . SQL ” ) ; / / select database table to search MMACC . The pool tranche instantiation component 241 l / create query for asset data initializes 202 and may provide a display login / create screen $ query = " SELECT assetName FROM AssetTable WHERE assetID LIKE ' % ' $ 123abc " ; 204 . In one embodiment , an existing asset / brokerage order $ result = mysql _ query ( $ query ) ; / / perform the search query 60 and account system may be modified to allow users 286 to mysql _ close ( “ MMACC . SQL ” ) ; / / close database access create new CEO datastructures and products . In one embodi
ment , the XML fields from the CEO parameter message 102 may be used to generate web form text fields , pop up lists ,
The server may run a database select command on the and / or other widgets for the specification of such parameters search criteria , and when CEO products and tranches are 65 for transfer via HTTPS POST command . Upon logging in selected , the servers will generate an asset search response 204 and supplying parameters for the new CEO product 108 providing a display of matching assets 109 to the asset ( e . g . , via web form with corresponding fields for the param
? >
25
30
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eters ) , the client 286 may send the CEO parameter message identified and related assets ( e . g . , assetID ) and adding slice 102 to the MMACC server 299 , and it may determine if such type values to the asset records ( e . g . , sliceIDs ) . An exem a CEO product already exists and if there is enough capacity plary listing , written substantially in the form of PHP / SQL for additional asset buyers for the product 212 . If the product commands , to update the records in the MMACC database , does exist and has enough capacity , the user may be pre - 5 is provided below : sented with a massage for them to confirm 210 that they want to make another CEO product with similar features and < ? PHP give it a new and unique name . Then the MMACC server header ( " Content - Type : text / plain " ) ; 299 may select asset ( s ) to be employed for the new CEO / / Update Assets with related slice IDs product 214 . Then , for each asset 216 , the MMACC will 10 mysql _ connect ( “ 201 . 408 . 185 . 132 ” , $ DBserver , $ password ) ; / / access create a new current yield slice data structure ( e . g . , as database server specified in the CEO parameter message 102 ) 218 . In one mysql _ select ( " MMACC _ DB . SQL " ) ; / / select database to append
mysql _ query ( " UPDATE Asset implementation , after receiving the new CEO parameter SET sliceID = ' myCoolSafeHighIncomeStreamTranche ' , timestamp = message 102 , the MMACC server may parse the message “ 2020 - 02 - 22 and create / update CEO product record tables and associated 15 15 : 22 : 43 slice record tables . An exemplary listing , written substan WHERE username = ' JDoe @ gmail . com ” ” ) ;
mysql _ close ( “ MMACC _ DB . SQL " ) ; / / close connection to database tially in the form of PHP / SQL commands , to update the ? > records in the MMACC database , is provided below : < ? PHP
header ( " Content - Type : text / plain ' ) ; 20 / / Update Slices with related Asset IDs
mysql _ connect ( " 201 . 408 . 185 . 132 " , $ DBserver , $ password ) ; / / access < ? PHP database server header ( " Content - Type : text / plain ' ) ; mysql _ select ( “ MMACC _ DB . SQL ” ) ; / / select database to append / / store input data in a database mysql _ connect ( “ 201 . 408 . 185 . 132 " , $ DBserver , $ password ) ; / / access mysql _ query ( “ UPDATE Slice
SET assetName = ' PG ” , assetID = " 123abc ' , timestamp = “ 2020 - 02 - 22 database server 15 : 22 : 43 mysql _ select ( " MMACC _ DB . SQL ” ) ; / / select database to append WHERE username = “ JDoe @ gmail . com ” ' ) ; mysql _ query ( " UPDATE CEO mysql _ close ( “ MMACC _ DB . SQL ” ) ; / / close connection to database SET CEO _ name = ' myCoolProductName ' , CEO _ tranchelName = ? > ' myCoolSafe HighIncomeStreamTranche ' , Slice Typel = ' Income ' , asset1 SliceType1 Return = " . 007 ' , asset2Slice Type1 Return = " . 011 , asset3SliceType1 Return = . 015 ' , timestamp = ' 2020 - 02 - 22 15 : 22 : 43 ' The MMACC determine if there are more slice types 232 WHERE username = “ JDoe @ gmail . com ” ” ) ; mysql _ close ( “ MMACC _ DB . SQL ” ) ; / / close connection to database 30 and if so it continues to iterate through the slice types 226 , ? > otherwise the CEO datastructure is instantiated 234 . An
exemplary listing , written substantially in the form of PHP / Similarly , the MMACC then creates a new dividend SQL commands , to create / update the records in the
growth slide data structure 220 and then it creates a principal 35 MM MMACC database , is provided below : appreciation slice data structure 222 . It should be noted , that various apportionments may be specified via the CEO < ? PHP parameter datastructure 102 where the current yield , divi header ( " Content - Type : text / plain " ) ; dend growth and / or principal appreciation slices have no / / Create / Update CEO datastructure product with related asset slice IDs value , all the value , and / or any number of permutation in mysql _ connect ( “ 201 . 408 . 185 . 132 ” , $ DBserver , $ password ) ; / / access hybrid values between the slices . It should also be noted that database server
mysql _ select ( " MMACC _ DB . SQL ” ) ; / / select database to append in another embodiment , the hybrids may employ plurality of mysql _ query ( " UPDATE CEO slices ( e . g . , more than 3 ) . The MMACC then determines if SET CEO _ name = ' myCoolProductName ' , CEO _ tranchelName = there are more assets and if so 224 , execution will iterate 216 myCoolSafe HighIncomeStreamTranche ' , SliceTypel = ' Income '
until all assets have been examined 224 . Upon examining all 45 SliceType2 . . . asset2 . . . , timestamp = 2020 - 02 - 22 15 : 22 : 43 sliceID1 = ' 123abc ' , asset1 = ‘ PG ' , asset1ID = “ abc123 ' . . . the assets specified for the new CEO product 224 , the ssets specified for the new CEO product 224 , the WHERE username = ' JDoe @ gmail . com ” ) ; MMACC server 299 will then examine and iterate for each mysql _ close ( “ MMACC _ DB . SQL ” ) ; / / close connection to database
? > slice type specified by the CEO parameter datastructure 102 . For each slice type the MMACC will select all the assets for that slice type . An example PHP / SQL listing for querying a 50 FIG . 2b shows a logic flow diagram illustrating embodi database for a assets for the slice type is below : ments of a tranche asset transact component for the
MMACC . The tranche asset transact component 242 initial izes 202 and may provide a display login / create screen 240 .
< ? PHP As has already been discussed 106 of FIG . 1 , asset buyers header ( " Content - Type : text / plain ' ) ; mysql _ connect ( “ 254 . 93 . 179 . 112 ” , $ DBserver , $ password ) ; / / access 55 287 may provide asset search criteria 245 to search the database server server ( s ) 298 , 299 ( and as has already been noted , the mysql _ select _ db ( “ Asset . SQL ” ) ; / / select database table to search tranche asset transact component may run on either and / or l / create query for asset data $ query = " SELECT sliceID FROM AssetTable WHERE assetID both the MMACC 299 and / or market / 3rd party server ( s ) LIKE ' % ' $ 123abc " ; 298 ) . The search results may be presented to the asset buyers $ result = mysql _ query ( $ query ) ; / / perform the search query 60 247 ( e . g . , CEO product , tranche options , etc . ) for purchase . mysql _ close ( “ MMACC . SQL ” ) ; / / close database access The asset buyer 287 may then select a desired product /
tranche ( e . g . , along with a funding source , constraints and / or conditions , etc . ) 248 and the MMACC server will determine
By selecting all the assets associated with a slice type if the quantities are within the limits / availability of current ( e . g . , sliceID ) , the MMACC may create tranche of that slice 65 CEO product offerings 250 . If not 250 , the server ( s ) may type ( e . g . , see FIG . 10 for more details ) . The slice datastruc - need to purchase additional assets 252 so that the CEO ture may then be updated to be associated with all the product constraints are maintained . Then a purchase of the
? >
13 US 9 , 818 , 156 B2
14 CEO product ( e . g . , tranche ) 254 will commence ( e . g . , the and distribute principal tranche component 244 of FIG . 2c server ( s ) may request funds to cover the collateralized may use the following calculations for determining tranche purchase of the tranche 256 ) . If funds are not sufficient 258 , structure over time : an error message and retry option may be presented to the asset buyer 260 and the process may iterate 247 . Once 5 sufficient funds are obtained 258 , the server ( s ) will allocate the collateral CEO tranche record to the asset buyer by updating the slice record with the asset buyer ' s identifier . An exemplary listing , written substantially in the form of PHP / SQL commands , to create / update the records in the 10 MMACC database , is provided below :
M n - 1
m = 1 n = 1
n = 1
mecomens = Minimum ( av . 0 x v . Šiswax bm - tmcomemohon ( Š sw x D m . Š Incomeone x YU ,
ave . Minimumfara . XP - E Mo ) ( ŽSu XP . - Š Mv . m . ) xcus
n - 1
MV = Minimum MVno . Sm X Pmt - MVnnt + m = 1 nn = 1
15 M
Im = 1 nn = 1
0 . Un = 1 ; n = 1 =
? >
m ,
7 . t
< ? PHP header ( " Content - Type : text / plain " ) ; 15 1 / Create / Update CEO datastructure product with asset buyer ' s ID mysql _ connect ( “ 201 . 408 . 185 . 132 " , $ DBserver , $ password ) ; / / access database server mysql _ select ( " MMACC _ DB . SQL " ) ; / / select database to append Subject to : ?YUn = 1 ; ¿ cun = 1 ; tranches are in order of claim mysql _ query ( " UPDATE CEO CUn = 1 ; tranches are in order of claim
SET userID = ' 123 - 45 - 6789 ' , timestamp = ' 2020 - 02 - 22 15 : 22 : 43 20 WHERE sliceID = “ abc123 ” ” ) ; mysql _ close ( “ MMACC _ DB . SQL " ) ; / / close connection to database where the above has the following values :
N = number of tranches ; n = 1 to N T = number of time periods ; t = 1 to T ; t = 0 = initial invest FIG . 2c shows a logic flow diagram illustrating embodi - 25 ment ments of a distribute income tranche and distribute principal M = number of securities in the portfolio ; m = 1 to M tranche components for the MMACC . The tranche asset D = dividends per share , Dm , = security m ' s dividend at transact component 242 initializes 202 and may iterate fore time t
each CEO datastructure record ( e . g . , product ) 266 . For each S = shares held ; Sm = shares held in security m CEO , the MMACC will determine if a threshold time 30 P = price ; P = security m ' s price at time t interval ( e . g . , dynamically , on - demand , periodic ( e . g . , sec Y = yield ; % yield tranche was sold with ond , minute , hour , day , week , month , quarterly , semi / bi YU = yield upside ; % of excess portfolio income any annual , etc . ) , realtime , etc . ) has elapsed 268 and if not , the tranche is entitled to MMACC will continue to iterate 266 . If a threshold interval CU = capital upside ; % of excess portfolio capital any has elapsed for a specific CEO product 266 , 268 , then the 35 tranche is entitled to MMACC will iterate for each CEO product slice and asset MV = market value of a tranche ; MV , buyer 270 . As such , fore each asset buyer ' s tranche 270 , the Income - income paid to each tranche ; Incoment MMACC 299 will then determine the tranche value over We can use the above to drive a ‘ Vintage 2008 ' product time ( e . g . , see FIG . 3 for more calculation details ) and parameter example to see the resulting products . With the update the MMACC database 219 accordingly 272 . There - 40 CEO datastructure having the following values : after if there is maturity due on the asset buyer ' s tranche 274 , the distribute income tranche component 243 will provide ( or request ) funds to cover collateralized performance of the Example product parameters for ‘ 2008 Vintage ' example tranche ( e . g . , pay out income ) 275 and provide notification Underlying Portfolio Large Cap U . S . Stocks of the update 278 ( and tranche iteration will continue if there 45 Number of Tranches 3 : Income , Growth & Income , are more asset buyer slices 282 , 270 , or continue to the next Capital Appreciation CEO product 266 there are no more slices 282 . However , if Maturity date or length 5 Years ( Dec . 31 , 2008 - Dec . 31 , 2013 ) the MMACC server 299 determines there is a maturity due For Each Tranche 274 , then the distribute principal tranche component 244 Funds Raised $ 100 , 000 , 000 x 3 will similarly provide ( or request ) funds to cover collater - 50 Fixed Yield 3 . 1 % / 3 . 1 % / 3 . 1 % alized performance of the tranche ( e . g . , pay out income and Yield upside 0 % / 100 % / 0 % return capital ) 276 and provide notification of the update 278 Priority 1st / 2nd / 3rd
Principal Upside ( and tranche iteration will continue if there are more asset 0 % / 0 % / 100 %
buyer slices 282 , 270 , or continue to the next CEO product 266 there are no more slices 282 . 55 FIG . 4 shows a calculation worksheet illustrating embodi
FIG . 3 shows a datagraph illustrating example embodi - ments of a 2008 vintage CEO datastructure parameters for ments of the MMACC . It is an alternative embodiment to the MMACC . It uses the above parameters showing tranche FIG . 1 and shows multiple asset ( e . g . , tranche ) buyers 1 thru levels , income , market value allocation , portfolio market N 387 may have their funds pooled to buy an initial portfolio value , 5 year returns and annual IRR . 302 . For some term of years 1 thru T , the MMACC will 60 FIG . 5 shows a datagraph companion to the worksheet distribute ( e . g . , dividend ) income to tranches 1 thru N 308 , illustrating embodiments of a 2008 vintage CEO datastruc and then at maturity , the positions will be sold and proceed ture parameters for the MMACC . Three tranches 501 of swill be distributed to the tranches 310 . One can create many $ 100 , 000 , 000 each are pooled into a portfolio on Dec . 31 , CEO datastructure product permutations by manipulating 2008 502 . Each year ' s distribution per tranche 504 is broken the product parameter ‘ dials ’ as specified in the CEO param - 65 down per FIG . 4 ' s worksheet and with totals per year 503 . eter message 102 . The dials vary the structure of the The aggregated total 505 at maturity Dec . 31 , 2013 is further tranches , and the distribute income tranche component 243 broken out to show the income and growth and income
US 9 , 818 , 156 B2 15 16
tranches returned the principal $ 100 , 000 , 000 each 506 , and search , serve , identify , instruct , generate , match , and / or the capital appreciation tranche benefited from growth 507 . facilitate interactions with a computer through information
FIG . 6 shows a graph illustrating embodiments an equity technology technologies , and / or other related data . product line relationship between returns and risk for the Typically , users , which may be people and / or other sys MMACC . FIG . 7 shows a datagraph illustrating funds ' 5 tems , may engage information technology systems ( e . g . , relationship between returns and risk for the MMACC . FIG . computers ) to facilitate information processing . In turn , 8 shows graphs illustrating funds ' performances for the computers employ processors to process information ; such MMACC . FIG . 9 shows graphs illustrating funds ' correlated processors 2303 may be referred to as central processing performances for the MMACC . One may conclude that such units ( CPU ) . One form of processor is referred to as a equity funds have high / similar absolute risk and are highly 10 microprocessor . CPUs use communicative circuits to pass correlated with the S & P and will lose money if the S & P is binary encoded signals acting as instructions to enable down significantly . As such , current equity income funds do various operations . These instructions may be operational not provide principal protection and are too risky to be used and / or data instructions containing and / or referencing other as a bond substitute . instructions and data in various processor accessible and
In contrast , rather than allocate stocks to types of funds , 15 operable areas of memory 2329 ( e . g . , registers , cache the MMACC may allocate a portion of each stock ' s return memory , random access memory , etc . ) . Such communica to different funds . As such , dividend income and the most tive instructions may be stored and / or transmitted in batches principal protection = Income Dividend income and dividend ( e . g . , batches of instructions ) as programs and / or data com growth and some principal protection = Growth and Income . ponents to facilitate desired operations . These stored instruc Also , the MMACC provides possible dividend income and 20 tion codes , e . g . , programs , may engage the CPU circuit all the capital appreciation with the least principal components and other motherboard and / or system compo protection = Capital Appreciation . An example CEO product nents to perform desired operations . One type of program is from the MMACC may illustrate this contrast more effec a computer operating system , which , may be executed by tively . FIGS . 10 - 22 will provide example CEO structures CPU on a computer ; the operating system enables and and show relative performances to such funds . 25 facilitates users to access and operate computer information
FIG . 10 show a datagraphs illustrating a CEO structure for technology and resources . Some resources that may be the MMACC . The CEO includes 3 slices : an income fund employed in information technology systems include : input slice 1001 , growth and income slice 1002 , and a capital and output mechanisms through which data may pass into appreciation slice 1003 . Constituent assets 1004 are com - and out of a computer ; memory storage into which data may pared across a risk spectrum 1005 and returns rates 1006 . 30 be saved ; and processors by which information may be FIG . 11 show a datagraphs illustrating a CEO structure processed . These information technology systems may be values for the MMACC . FIG . 12 show a calculation work - used to collect data for later retrieval , analysis , and manipu sheet actual 1970 CEO structure values for the MMACC . lation , which may be facilitated through a database program . FIGS . 13 - 14 show graphs of a range of outcomes from These information technology systems provide interfaces 1961 - 2008 of average annual returns and volatility for the 35 that allow users to access and operate various system example CEO structure for the MMACC . FIG . 15 shows a components . graph of a range of outcomes from 1961 - 2008 of average In one embodiment , the MMACC controller 2301 may be annual returns and volatility with risk shifted by changing connected to and / or communicate with entities such as , but tranche allocations for the example CEO structure for the not limited to : one or more users from peripheral devices MMACC . FIG . 16 shows a graph of a range of outcomes 40 2312 ( e . g . , user input devices 2311 ) ; an optional crypto from 1961 - 2008 of average 5 year cumulative returns and graphic processor device 2328 ; and / or a communications volatility for the example CEO structure for the MMACC . network 2313 . FIG . 17 shows a graph of a trailing 5 year MMACC tranche Networks are commonly thought to comprise the inter correlations with the S & P 500 for the example CEO struc - connection and interoperation of clients , servers , and inter ture for the MMACC . FIGS . 18 - 19 show graphs of a annual 45 mediary nodes in a graph topology . It should be noted that return and cumulative value of a 2003 - tranche for the the term “ server ” as used throughout this application refers example CEO structure for the MMACC . FIG . 20 shows a generally to a computer , other device , program , or combi block diagram illustrating example tranche outcomes for a nation thereof that processes and responds to the requests of $ 300 M fund with 5 % yield for the example CEO structure remote users across a communications network . Servers for the MMACC . FIG . 21 shows a graph illustrating divi - 50 serve their information to requesting " clients . " The term dends received by tranche vs dividends received in a given “ client ” as used herein refers generally to a computer , year , as an option ( income ) the example CEO structure for program , other device , user and / or combination thereof that the MMACC . FIG . 22 shows a graph illustrating dividends is capable of processing and making requests and obtaining received by tranche vs dividends received in a given year , as and processing any responses from servers across a com an option ( capital ) the example CEO structure for the 55 munications network . A computer , other device , program , or MMACC . FIG . 23 shows a block diagram illustrating combination thereof that facilitates , processes information embodiments of a MMACC controller . APPENDIX 1 illus and requests , and / or furthers the passage of information trates initial purchase embodiments of the MMACC . from a source user to a destination user is commonly APPENDIX 2 illustrates 5 years of dividends embodiments referred to as a “ node . ” Networks are generally thought to of the MMACC . APPENDIX 3 illustrates Dec . 31 , 2013 60 facilitate the transfer of information from source points to liquidation embodiments of the MMACC . destinations . A node specifically tasked with furthering the
passage of information from a source to a destination is MMACC Controller commonly called a " router . ” There are many forms of
networks such as Local Area Networks ( LANs ) , Pico net FIG . 23 shows a block diagram illustrating embodiments 65 works , Wide Area Networks ( WANs ) , Wireless Networks
of a MMACC controller . In this embodiment , the MMACC ( WLANs ) , etc . For example , the Internet is generally controller 2301 may serve to aggregate , process , store , accepted as being an interconnection of a multitude of
17 US 9 , 818 , 156 B2
18 networks whereby remote clients and servers may access communications . These communicative instructions may and interoperate with one another . further be transmitted , received , and the cause of return
The MMACC controller 2301 may be based on computer and / or reply communications beyond the instant computer systems that may comprise , but are not limited to , compo systemization to : communications networks , input devices , nents such as : a computer systemization 2302 connected to 5 other computer systemizations , peripheral devices , and / or memory 2329 . the like . It should be understood that in alternative embodi
ments , any of the above components may be connected Computer Systemization directly to one another , connected to the CPU , and / or
organized in numerous variations employed as exemplified A computer systemization 2302 may comprise a clock 10 by various computer systems .
2330 , central processing unit ( " CPU ( s ) ” and / or The CPU comprises at least one high - speed data proces " processor ( s ) ” ( these terms are used interchangeable sor adequate to execute program components for executing throughout the disclosure unless noted to the contrary ) ) user and / or system - generated requests . The CPU is often 2303 , a memory 2329 ( e . g . , a read only memory ( ROM ) packaged in a number of formats varying from large super 2306 , a random access memory ( RAM ) 2305 , etc . ) , and / or 15 computer ( s ) and mainframe ( s ) computers , down to mini an interface bus 2307 , and most frequently , although not computers , servers , desktop computers , laptops , thin clients necessarily , are all interconnected and / or communicating ( e . g . , Chromebooks ) , netbooks , tablets ( e . g . , iPads , Android through a system bus 2304 on one or more ( mother ) board ( s ) and Windows tablets , etc . ) , mobile smartphones ( e . g . , 2302 having conductive and / or otherwise transportive cir - Android , iPhones , Nokia , Palm and Windows phones , etc . ) , cuit pathways through which instructions ( e . g . , binary 20 wearable device ( s ) ( e . g . , watches , glasses , goggles ( e . g . , encoded signals ) may travel to effectuate communications , Google Glass ) , etc . ) , and / or the like . Often , the processors operations , storage , etc . The computer systemization may be themselves will incorporate various specialized processing connected to a power source 2386 , e . g . , optionally the power units , such as , but not limited to : integrated system ( bus ) source may be internal . Optionally , a cryptographic proces controllers , memory management control units , floating sor 2326 may be connected to the system bus . In another 25 point units , and even specialized processing sub - units like embodiment , the cryptographic processor , transceivers ( e . g . , graphics processing units , digital signal processing units , ICs ) 2374 , and / or sensor array ( e . g . , accelerometer , altim - and / or the like . Additionally , processors may include inter eter , ambient light , barometer , global positioning system nal fast access addressable memory , and be capable of ( GPS ) ( thereby allowing MMACC controller to determine mapping and addressing memory 2329 beyond the processor its location ) , gyroscope , magnetometer , pedometer , proxim - 30 itself ; internal memory may include , but is not limited to : ity , ultra - violet sensor , etc . ) 2373 may be connected as either fast registers , various levels of cache memory ( e . g . , level 1 , internal and / or external peripheral devices 2312 via the 2 , 3 , etc . ) , RAM , etc . The processor may access this memory interface bus I / O 2308 ( not pictured ) and / or directly via the through the use of a memory address space that is accessible interface bus 2307 . In turn , the transceivers may be con via instruction address , which the processor can construct nected to antenna ( s ) 2375 , thereby effectuating wireless 35 and decode allowing it to access a circuit path to a specific transmission and reception of various communication and / or memory address space having a memory state . The CPU sensor protocols ; for example the antenna ( s ) may connect to may be a microprocessor such as : AMD ' s Athlon , Duron various transceiver chipsets ( depending on deployment and / or Opteron ; Apple ' s A series of processors ( e . g . , A5 , A6 , needs ) , including : Broadcom BCM4329FKUBG transceiver A7 , A8 , etc . ) ; ARM ' s application , embedded and secure chip ( e . g . , providing 802 . 11n , Bluetooth 2 . 1 + EDR , FM , 40 processors ; IBM and / or Motorola ' s DragonBall and Pow etc . ) ; a Broadcom BCM4752 GPS receiver with accelerom - erPC ; IBM ' s and Sony ' s Cell processor : Intel ' s 80X86 eter , altimeter , GPS , gyroscope , magnetometer ; a Broadcom series ( e . g . , 80386 , 80486 ) , Pentium , Celeron , Core ( 2 ) Duo , BCM4335 transceiver chip ( e . g . , providing 2G , 3G , and 4G i series ( e . g . , i3 , i5 , i7 , etc . ) , Itanium , Xeon , and / or XScale ; long - term evolution ( LTE ) cellular communications ; Motorola ' s 680X0 series ( e . g . , 68020 , 68030 , 68040 , etc . ) ; 802 . 11ac , Bluetooth 4 . 0 low energy ( LE ) ( e . g . , beacon 45 and / or the like processor ( s ) . The CPU interacts with memory features ) ) ; a Broadcom BCM43341 transceiver chip ( e . g . , through instruction passing through conductive and / or trans providing 2G , 3G and 4G LTE cellular communications ; portive conduits ( e . g . , ( printed ) electronic and / or optic cir 802 . 11 g ) , Bluetooth 4 . 0 , near field communication ( NFC ) , cuits ) to execute stored instructions ( i . e . , program code ) FM radio ) ; an Infineon Technologies X - Gold 618 - PMB9800 according to conventional data processing techniques . Such transceiver chip ( e . g . , providing 2G / 3G HSDPA / HSUPA 50 instruction passing facilitates communication within the communications ) ; a MediaTek MT6620 transceiver chip MMACC controller and beyond through various interfaces . ( e . g . , providing 802 . 11a / ac / b / g / n , Bluetooth 4 . 0 LE , FM , Should processing requirements dictate a greater amount GPS ; a Lapis Semiconductor ML8511 UV sensor ; a maxim speed and / or capacity , distributed processors ( e . g . , Distrib integrated MAX44000 ambient light and infrared proximity uted MMACC ) , mainframe , multi - core , parallel , and / or sensor ; a Texas Instruments WiLink WL1283 transceiver 55 super - computer architectures may similarly be employed . chip ( e . g . , providing 802 . 11n , Bluetooth 3 . 0 , FM , GPS ) ; Alternatively , should deployment requirements dictate and / or the like . The system clock typically has a crystal greater portability , smaller Personal Digital Assistants oscillator and generates a base signal through the computer ( PDAs ) may be employed . systemization ' s circuit pathways . The clock is typically Depending on the particular implementation , features of coupled to the system bus and various clock multipliers that 60 the MMACC may be achieved by implementing a micro will increase or decrease the base operating frequency for controller such as CAST ' s R8051XC2 microcontroller ; other components interconnected in the computer system Intel ' s MCS 51 ( i . e . , 8051 microcontroller ) ; and / or the like . ization . The clock and various components in a computer Also , to implement certain features of the MMACC , some systemization drive signals embodying information through - feature implementations may rely on embedded compo out the system . Such transmission and reception of instruc - 65 nents , such as : Application - Specific Integrated Circuit tions embodying information throughout a computer sys - ( “ ASIC ” ) , Digital Signal Processing ( “ DSP " ) , Field Pro temization may be commonly referred to as grammable Gate Array ( “ FPGA ” ) , and / or the like embedded
20 US 9 , 818 , 156 B2
19 technology . For example , any of the MMACC component similarly may be connected to the interface bus . The inter collection ( distributed or otherwise ) and / or features may be face bus provides for the communications of interface implemented via the microprocessor and / or via embedded adapters with one another as well as with other components components ; e . g . , via ASIC , coprocessor , DSP , FPGA , and of the computer systemization . Interface adapters are or the like . Alternately , some implementations of the 5 adapted for a compatible interface bus . Interface adapters MMACC may be implemented with embedded components conventionally connect to the interface bus via a slot archi that are configured and used to achieve a variety of features tecture . Conventional slot architectures may be employed , or signal processing . such as , but not limited to : Accelerated Graphics Port
Depending on the particular implementation , the embed - ( AGP ) , Card Bus , ( Extended ) Industry Standard Architec ded components may include software solutions , hardware 10 ture ( ( E ) ISA ) , Micro Channel Architecture ( MCA ) , NuBus , solutions , and / or some combination of both hardware / soft - Peripheral Component Interconnect ( Extended ) ( PCI ( X ) ) , ware solutions . For example , MMACC features discussed PCI Express , Personal Computer Memory Card Interna herein may be achieved through implementing FPGAs , tional Association ( PCMCIA ) , and / or the like . which are a semiconductor devices containing program Storage interfaces 2309 may accept , communicate , and / or mable logic components called “ logic blocks ” , and program - 15 connect to a number of storage devices such as , but not mable interconnects , such as the high performance FPGA limited to : storage devices 2314 , removable disc devices , Virtex series and / or the low cost Spartan series manufac - and / or the like . Storage interfaces may employ connection tured by Xilinx . Logic blocks and interconnects can be protocols such as , but not limited to : ( Ultra ) ( Serial ) programmed by the customer or designer , after the FPGA is Advanced Technology Attachment ( Packet Interface ) ( ( Ul manufactured , to implement any of the MMACC features . A 20 tra ) ( Serial ) ATA ( PI ) ) , ( Enhanced ) Integrated Drive Elec hierarchy of programmable interconnects allow logic blocks tronics ( ( E ) IDE ) , Institute of Electrical and Electronics to be interconnected as needed by the MMACC system Engineers ( IEEE ) 1394 , fiber channel , Small Computer designer / administrator , somewhat like a one - chip program Systems Interface ( SCSI ) , Universal Serial Bus ( USB ) , mable breadboard . An FPGA ' s logic blocks can be pro and / or the like . grammed to perform the operation of basic logic gates such 25 Network interfaces 2310 may accept , communicate , and / as AND , and XOR , or more complex combinational opera - or connect to a communications network 2313 . Through a tors such as decoders or mathematical operations . In most communications network 2313 , the MMACC controller is FPGAs , the logic blocks also include memory elements , accessible through remote clients 2333b ( e . g . , computers which may be circuit flip - flops or more complete blocks of with web browsers ) by users 2333a . Network interfaces may memory . In some circumstances , the MMACC may be 30 employ connection protocols such as , but not limited to : developed on regular FPGAs and then migrated into a fixed direct connect , Ethernet ( thick , thin , twisted pair 10 / 100 / version that more resembles ASIC implementations . Alter 1000 / 10000 Base T , and / or the like ) , Token Ring , wireless nate or coordinating implementations may migrate connection such as IEEE 802 . 11a - x , and / or the like . Should MMACC controller features to a final ASIC instead of or in processing requirements dictate a greater amount speed addition to FPGAs . Depending on the implementation all of 35 and / or capacity , distributed network controllers ( e . g . , Dis the aforementioned embedded components and micropro tributed MMACC ) , architectures may similarly be employed cessors may be considered the “ CPU ” and / or “ processor ” for to pool , load balance , and / or otherwise decrease / increase the the MMACC . communicative bandwidth required by the MMACC con
troller . A communications network may be any one and / or Power Source 40 the combination of the following : a direct interconnection ;
the Internet ; Interplanetary Internet ( e . g . , Coherent File The power source 2386 may be of any standard form for Distribution Protocol ( CFDP ) , Space Communications Pro
powering small electronic circuit board devices such as the tocol Specifications ( SCPS ) , etc . ) ; a Local Area Network following power cells : alkaline , lithium hydride , lithium ion , ( LAN ) ; a Metropolitan Area Network ( MAN ) ; an Operating lithium polymer , nickel cadmium , solar cells , and / or the like . 45 Missions as Nodes on the Internet ( OMNI ) ; a secured Other types of AC or DC power sources may be used as well . custom connection ; a Wide Area Network ( WAN ) ; a wire In the case of solar cells , in one embodiment , the case less network ( e . g . , employing protocols such as , but not provides an aperture through which the solar cell may limited to a cellular , WiFi , Wireless Application Protocol capture photonic energy . The power cell 2386 is connected ( WAP ) , I - mode , and / or the like ) ; and / or the like . A network to at least one of the interconnected subsequent components 50 interface may be regarded as a specialized form of an input of the MMACC thereby providing an electric current to all output interface . Further , multiple network interfaces 2310 subsequent components . In one example , the power source may be used to engage with various communications net 2386 is connected to the system bus component 2304 . In an work types 2313 . For example , multiple network interfaces alternative embodiment , an outside power source 2386 is may be employed to allow for the communication over provided through a connection across the I / O 2308 interface . 55 broadcast , multicast , and / or unicast networks . For example , a USB and / or IEEE 1394 connection carries Input Output interfaces ( I / O ) 2308 may accept , commu both data and power across the connection and is therefore nicate , and / or connect to user , peripheral devices 2312 ( e . g . , a suitable source of power . input devices 2311 ) , cryptographic processor devices 2328 ,
and / or the like . I / O may employ connection protocols such Interface Adapters 60 as , but not limited to : audio : analog , digital , monaural , RCA ,
stereo , and / or the like ; data : Apple Desktop Bus ( ADB ) , Interface bus ( ses ) 2307 may accept , connect , and / or com - IEEE 1394a - b , serial , universal serial bus ( USB ) ; infrared ;
municate to a number of interface adapters , conventionally joystick ; keyboard ; midi ; optical ; PC AT ; PS / 2 ; parallel ; although not necessarily in the form of adapter cards , such radio ; touch interfaces : capacitive , optical , resistive , etc . as but not limited to : input output interfaces ( I / O ) 2308 , 65 displays ; video interface : Apple Desktop Connector ( ADC ) , storage interfaces 2309 , network interfaces 2310 , and / or the BNC , coaxial , component , composite , digital , Digital Visual like . Optionally , cryptographic processor interfaces 2327 Interface ( DVI ) , ( mini ) displayport , high - definition multi
US 9 , 818 , 156 B2 21 22
media interface ( HDMI ) , RCA , RF antennae , S - Video , may also be used . Other commercially available specialized VGA , and / or the like ; wireless transceivers : 802 . 11a / ac / b / cryptographic processors include : Broadcom ' s CryptoNetX g / n / x ; Bluetooth ; cellular ( e . g . , code division multiple access and other Security Processors ; nCipher ' s nShield ; SafeNet ' s ( CDMA ) , high speed packet access ( HSPA ( + ) ) , high - speed Luna PCI ( e . g . , 7100 ) series ; Semaphore Communications ' downlink packet access ( HSDPA ) , global system for mobile 5 40 MHz Roadrunner 184 ; Sun ' s Cryptographic Accelerators communications ( GSM ) , long term evolution ( LTE ) , ( e . g . , Accelerator 6000 PCIe Board , Accelerator 500 Daugh WiMax , etc . ) ; and / or the like . One typical output device may tercard ) ; Via Nano Processor ( e . g . , L2100 , L2200 , U2400 ) include a video display , which typically comprises a Cath line , which is capable of performing 500 + MB / s of crypto ode Ray Tube ( CRT ) or Liquid Crystal Display ( LCD ) based graphic instructions ; VLSI Technology ' s 33 MHz 6868 ; monitor with an interface ( e . g . , DVI circuitry and cable ) that 10 and / or the like . accepts signals from a video interface , may be used . The video interface composites information generated by a com Memory puter systemization and generates video signals based on the composited information in a video memory frame . Another Generally , any mechanization and / or embodiment allow output device is a television set , which accepts signals from 15 ing a processor to affect the storage and / or retrieval of a video interface . Typically , the video interface provides the information is regarded as memory 2329 . However , memory composited video information through a video connection is a fungible technology and resource , thus , any number of interface that accepts a video display interface ( e . g . , an RCA memory embodiments may be employed in lieu of or in composite video connector accepting an RCA composite concert with one another . It is to be understood that the video cable ; a DVI connector accepting a DVI display cable , 20 MMACC controller and / or a computer systemization may etc . ) . employ various forms of memory 2329 . For example , a
Peripheral devices 2312 may be connected and / or com computer systemization may be configured wherein the municate to I / O and / or other facilities of the like such as operation of on - chip CPU memory ( e . g . , registers ) , RAM , network interfaces , storage interfaces , directly to the inter - ROM , and any other storage devices are provided by a paper face bus , system bus , the CPU , and / or the like . Peripheral 25 punch tape or paper punch card mechanism ; however , such devices may be external , internal and / or part of the MMACC an embodiment would result in an extremely slow rate of controller . Peripheral devices may include : antenna , audio operation . In a typical configuration , memory 2329 will devices ( e . g . , line - in , line - out , microphone input , speakers , include ROM 2306 , RAM 2305 , and a storage device 2314 . etc . ) , cameras ( e . g . , gesture ( e . g . , Microsoft Kinect ) detec A storage device 2314 may be any conventional computer tion , motion detection , still , video , webcam , etc . ) , dongles 30 system storage . Storage devices may include : an array of ( e . g . , for copy protection , ensuring secure transactions with devices ( e . g . , Redundant Array of Independent Disks a digital signature , and / or the like ) , external processors ( for ( RAID ) ) ; a drum ; a ( fixed and / or removable ) magnetic disk added capabilities ; e . g . , crypto devices 528 ) , force - feedback drive ; a magneto - optical drive ; an optical drive ( i . e . , Blu devices ( e . g . , vibrating motors ) , infrared ( IR ) transceiver , eray , CD ROM / RANI / Recordable ( R ) / ReWritable ( RW ) , network interfaces , printers , scanners , sensors / sensor arrays 35 DVD R / RW , HD DVD R / RW etc . ) ; RAM drives ; solid state and peripheral extensions ( e . g . , ambient light , GPS , gyro memory devices ( USB memory , solid state drives ( SSD ) , scopes , proximity , temperature , etc . ) , storage devices , trans etc . ) ; other processor - readable storage mediums ; and / or ceivers ( e . g . , cellular , GPS , etc . ) , video devices ( e . g . , other devices of the like . Thus , a computer systemization goggles , monitors , etc . ) , video sources , visors , and / or the generally requires and makes use of memory . like . Peripheral devices often include types of input devices 40 ( e . g . , cameras ) . Component Collection
User input devices 2311 often are a type of peripheral device 512 ( see above ) and may include : card readers , The memory 2329 may contain a collection of program dongles , finger print readers , gloves , graphics tablets , joy - and / or database components and / or data such as , but not sticks , keyboards , microphones , mouse ( mice ) , remote con - 45 limited to : operating system component ( s ) 2315 ( operating trols , security / biometric devices ( e . g . , fingerprint reader , iris system ) ; information server component ( s ) 2316 ( informa reader , retina reader , etc . ) , touch screens ( e . g . , capacitive , tion server ) ; user interface component ( s ) 2317 ( user inter resistive , etc . ) , trackballs , trackpads , styluses , and / or the face ) ; Web browser component ( s ) 2318 ( Web browser ) ; like . database ( s ) 2319 ; mail server component ( s ) 2321 ; mail
It should be noted that although user input devices and 50 client component ( s ) 2322 ; cryptographic server peripheral devices may be employed , the MMACC control - component ( s ) 2320 ( cryptographic server ) ; the MMACC ler may be embodied as an embedded , dedicated , and / or component ( s ) 2335 ; and / or the like ( i . e . , collectively a monitor - less ( i . e . , headless ) device , wherein access would be component collection ) . These components may be stored provided over a network interface connection . and accessed from the storage devices and / or from storage
Cryptographic units such as , but not limited to , micro - 55 devices accessible through an interface bus . Although non controllers , processors 2326 , interfaces 2327 , and / or devices conventional program components such as those in the 2328 may be attached , and / or communicate with the component collection , typically , are stored in a local storage MMACC controller . A MC68HC16 microcontroller , manu - device 2314 , they may also be loaded and / or stored in factured by Motorola Inc . , may be used for and / or within memory such as : peripheral devices , RAM , remote storage cryptographic units . The MC68HC16 microcontroller uti - 60 facilities through a communications network , ROM , various lizes a 16 - bit multiply - and - accumulate instruction in the 16 forms of memory , and / or the like . MHz configuration and requires less than one second to perform a 512 - bit RSA private key operation . Cryptographic Operating System units support the authentication of communications from interacting agents , as well as allowing for anonymous trans - 65 The operating system component 2315 is an executable actions . Cryptographic units may also be configured as part program component facilitating the operation of the of the CPU . Equivalent microcontrollers and / or processors MMACC controller . Typically , the operating system facili
23 US 9 , 818 , 156 B2
24 tates access of I / O , network interfaces , peripheral devices , like . The information server provides results in the form of storage devices , and / or the like . The operating system may Web pages to Web browsers , and allows for the manipulated be a highly fault tolerant , scalable , and secure system such generation of the Web pages through interaction with other as : Apple ' s Macintosh OS X ( Server ) ; AT & T Plan 9 ; Be OS ; program components . After a Domain Name System ( DNS ) Google ' s Chrome ; Microsoft ' s Windows 7 / 8 ; Unix and 5 resolution portion of an HTTP request is resolved to a Unix - like system distributions ( such as AT & T ' s UNIX ; particular information server , the information server Berkley Software Distribution ( BSD ) variations such as resolves requests for information at specified locations on FreeBSD , NetBSD , OpenBSD , and / or the like ; Linux dis - the MMACC controller based on the remainder of the HTTP tributions such as Red Hat , Ubuntu , and / or the like ) ; and / or request . For example , a request such as http : / / the like operating systems . However , more limited and / or 10 123 . 124 . 125 . 126 / my Information . html might have the IP less secure operating systems also may be employed such as portion of the request “ 123 . 124 . 125 . 126 ” resolved by a DNS Apple Macintosh OS , IBM OS / 2 , Microsoft DOS , Microsoft server to an information server at that IP address ; that Windows 2000 / 2003 / 3 . 1 / 95 / 98 / CE / Millenium / Mobile / NT / information server might in turn further parse the http Vista / XP ( Server ) , Palm OS , and / or the like . Additionally , request for the “ / myInformation . html " portion of the request for robust mobile deployment applications , mobile operating 15 and resolve it to a location in memory containing the systems may be used , such as : Apple ' s iOS ; China Operating information “ my Information . html . ” Additionally , other System COS ; Google ' s Android ; Microsoft Windows information serving protocols may be employed across RT / Phone ; Palm ' s WebOS ; Samsung / Intel ' s Tizen ; and / or various ports , e . g . , FTP communications across port 21 , the like . An operating system may communicate to and / or and / or the like . An information server may communicate to with other components in a component collection , including 20 and / or with other components in a component collection , itself , and / or the like . Most frequently , the operating system including itself , and / or facilities of the like . Most frequently , communicates with other program components , user inter - the information server communicates with the MMACO faces , and / or the like . For example , the operating system database 2319 , operating systems , other program compo may contain , communicate , generate , obtain , and / or provide nents , user interfaces , Web browsers , and / or the like . program component , system , user , and / or data communica - 25 Access to the MMACC database may be achieved tions , requests , and / or responses . The operating system , through a number of database bridge mechanisms such as once executed by the CPU , may enable the interaction with through scripting languages as enumerated below ( e . g . , communications networks , data , 1 / 0 , peripheral devices , CGI ) and through inter - application communication channels program components , memory , user input devices , and / or as enumerated below ( e . g . , CORBA , WebObjects , etc . ) . Any the like . The operating system may provide communications 30 data requests through a Web browser are parsed through the protocols that allow the MMACC controller to communicate bridge mechanism into appropriate grammars as required by with other entities through a communications network 2313 . the MMACC . In one embodiment , the information server Various communication protocols may be used by the would provide a Web form accessible by a Web browser . MMACC controller as a subcarrier transport mechanism for Entries made into supplied fields in the Web form are tagged interaction , such as , but not limited to : multicast , TCP / IP , 35 as having been entered into the particular fields , and parsed UDP , unicast , and / or the like . as such . The entered terms are then passed along with the
field tags , which act to instruct the parser to generate queries Information Server directed to appropriate tables and / or fields . In one embodi
ment , the parser may generate queries in standard SQL by An information server component 2316 is a stored pro - 40 instantiating a search string with the proper join / select
gram component that is executed by a CPU . The information commands based on the tagged text entries , wherein the server may be a conventional Internet information server resulting command is provided over the bridge mechanism such as , but not limited to Apache Software Foundation ' s to the MMACC as a query . Upon generating query results Apache , Microsoft ' s Internet Information Server , and / or the from the query , the results are passed over the bridge like . The information server may allow for the execution of 45 mechanism , and may be parsed for formatting and genera program components through facilities such as Active tion of a new results Web page by the bridge mechanism . Server Page ( ASP ) , ActiveX , ( ANSI ) ( Objective - ) C ( + + ) , Such a new results Web page is then provided to the C # and / or . NET , Common Gateway Interface ( CGI ) scripts , information server , which may supply it to the requesting dynamic ( D ) hypertext markup language ( HTML ) , FLASH , Web browser . Java , JavaScript , Practical Extraction Report Language 50 Also , an information server may contain , communicate , ( PERL ) , Hypertext Pre - Processor ( PHP ) , pipes , Python , generate , obtain , and / or provide program component , sys wireless application protocol ( WAP ) , WebObjects , and / or tem , user , and / or data communications , requests , and / or the like . The information server may support secure com - responses . munications protocols such as , but not limited to , File Transfer Protocol ( FTP ) ; HyperText Transfer Protocol 55 User Interface ( HTTP ) ; Secure Hypertext Transfer Protocol ( HTTPS ) , Secure Socket Layer ( SSL ) , messaging protocols ( e . g . , Computer interfaces in some respects are similar to auto America Online ( AOL ) Instant Messenger ( AIM ) , Applica - mobile operation interfaces . Automobile operation interface tion Exchange ( APEX ) , ICQ , Internet Relay Chat ( IRC ) , elements such as steering wheels , gearshifts , and speedom Microsoft Network ( MSN ) Messenger Service , Presence 60 eters facilitate the access , operation , and display of automo and Instant Messaging Protocol ( PRIM ) , Internet Engineer - bile resources , and status . Computer interaction interface ing Task Force ' s ( IETF ' s ) Session Initiation Protocol ( SIP ) , elements such as check boxes , cursors , menus , scrollers , and SIP for Instant Messaging and Presence Leveraging Exten - windows ( collectively and commonly referred to as widgets ) sions ( SIMPLE ) , open XML - based Extensible Messaging similarly facilitate the access , capabilities , operation , and and Presence Protocol ( XMPP ) ( i . e . , Jabber or Open Mobile 65 display of data and computer hardware and operating system Alliance ' s ( OMA ' s ) Instant Messaging and Presence Ser resources , and status . Operation interfaces are commonly vice ( IMPS ) ) , Yahoo ! Instant Messenger Service , and / or the called user interfaces . Graphical user interfaces ( GUI ) such
25
nd / or 30
US 9 , 818 , 156 B2 26
as the Apple ' s iOS , Macintosh Operating System ' s Aqua ; may be a conventional Internet mail server such as , but not IBM ' s OS / 2 ; Google ' s Chrome ; Microsoft ' s Windows var - limited to : dovecot , Courier IMAP , Cyrus IMAP , Maildir , ied UIs 2000 / 2003 / 3 . 1 / 95 / 98 / CE / Millenium / Mobile / NT / Microsoft Exchange , sendmail , and / or the like . The mail Vista / XP ( Server ) ( i . e . , Aero , Surface , etc . ) ; Unix ' s X - Win server may allow for the execution of program components dows ( e . g . , which may include additional Unix graphic 5 th Unix _ graphic 5 through facilities such as ASP , ActiveX , ( ANSI ) ( Objec interface libraries and layers such as K Desktop Environ tive - ) C ( + + ) , C # and / or . NET , CGI scripts , Java , JavaScript , ment ( KDE ) , myth TV and GNU Network Object Model PERL , PHP , pipes , Python , WebObjects , and / or the like . The Environment ( GNOME ) ) , web interface libraries ( e . g . , ActiveX , AJAX , ( D ) HTML , FLASH , Java , JavaScript , etc . mail server may support communications protocols such as , interface libraries such as , but not limited to , Dojo , jQuery but not limited to : Internet message access protocol ( IMAP ) , ( UI ) , MooTools , Prototype , script . aculo . us , SWFObject , 10 Messaging Application Programming Interface ( MAPI ) / Mi Yahoo ! User Interface , any of which may be used and ) crosoft Exchange , post office protocol ( POP3 ) , simple mail provide a baseline and means of accessing and displaying transfer protocol ( SMTP ) , and / or the like . The mail server information graphically to users . can route , forward , and process incoming and outgoing mail
A user interface component 2317 is a stored program messages that have been sent , relayed and / or otherwise component that is executed by a CPU . The user interface 15 traversing through and / or to the MMACC . Alternatively , the may be a conventional graphic user interface as provided by , mail server component may be distributed out to mail with , and / or atop operating systems and / or operating envi - service providing entities such as Google ' s cloud services ronments such as already discussed . The user interface may ( e . g . , Gmail and notifications may alternatively be provided allow for the display , execution , interaction , manipulation , via messenger services such as AOL ' s Instant Messenger , and / or operation of program components and / or system 20 Apple ' s iMessage , Google Messenger , SnapChat , etc . ) . facilities through textual and / or graphical facilities . The user Access to the MMACC mail may be achieved through a interface provides a facility through which users may affect , number of APIs offered by the individual Web server com interact , and / or operate a computer system . A user interface ponents and / or the operating system . may communicate to and / or with other components in a Also , a mail server may contain , communicate , generate , component collection , including itself , and / or facilities of 25 25 obtain , and / or provide program component , system , user , the like . Most frequently , the user interface communicates and / or data communications , requests , information , and / or with operating systems , other program components , and / or the like . The user interface may contain , communicate , responses . generate , obtain , and / or provide program component , sys
Mail Client tem , user , and / or data communications , requests , and / or responses .
A mail client component 2322 is a stored program com Web Browser ponent that is executed by a CPU 2303 . The mail client may
be a conventional mail viewing application such as Apple A Web browser component 2318 is a stored program Mail , Microsoft Entourage , Microsoft Outlook , Microsoft
component that is executed by a CPU . The Web browser 35 Outlook Express , Mozilla , Thunderbird , and / or the like . may be a conventional hypertext viewing application such as Mail clients may support a number of transfer protocols , Apple ' s ( mobile ) Safari , Google ' s Chrome , Microsoft Inter such as : IMAP , Microsoft Exchange , POP3 , SMTP , and / or net Explorer , Mozilla ' s Firefox , Netscape Navigator , and / or the like . A mail client may communicate to and / or with other the like . Secure Web browsing may be supplied with 128 bit components in a component collection , including itself , ( or greater ) encryption by way of HTTPS , SSL , and / or the 40 and / or facilities of the like . Most frequently , the mail client like . Web browsers allowing for the execution of program communicates with mail servers , operating systems , other components through facilities such as ActiveX , AJAX , mail clients , and / or the like ; e . g . , it may contain , commu ( D ) HTML , FLASH , Java , JavaScript , web browser plug - in nicate , generate , obtain , and / or provide program component , APIs ( e . g . , FireFox , Safari Plug - in , and / or the like APIs ) , system , user , and / or data communications , requests , infor and / or the like . Web browsers and like information access 45 mation , and / or responses . Generally , the mail client provides tools may be integrated into PDAs , cellular telephones , a facility to compose and transmit electronic mail messages . and / or other mobile devices . A Web browser may commu nicate to and / or with other components in a component Cryptographic Server collection , including itself , and / or facilities of the like . Most frequently , the Web browser communicates with information 50 A cryptographic server component 2320 is a stored pro servers , operating systems , integrated program components gram component that is executed by a CPU 2303 , crypto ( e . g . , plug - ins ) , and / or the like ; e . g . , it may contain , com - graphic processor 2326 , cryptographic processor interface municate , generate , obtain , and / or provide program compo 2327 , cryptographic processor device 2328 , and / or the like . nent , system , user , and / or data communications , requests , Cryptographic processor interfaces will allow for expedition and / or responses . Also , in place of a Web browser and 55 of encryption and / or decryption requests by the crypto information server , a combined application may be devel - graphic component ; however , the cryptographic component , oped to perform similar operations of both . The combined alternatively , may run on a conventional CPU . The crypto application would similarly affect the obtaining and the graphic component allows for the encryption and / or decryp provision of information to users , user agents , and / or the like tion of provided data . The cryptographic component allows from the MMACC enabled nodes . The combined applica - 60 for both symmetric and asymmetric ( e . g . , Pretty Good tion may be nugatory on systems employing standard Web Protection ( PGP ) ) encryption and / or decryption . The cryp browsers . tographic component may employ cryptographic techniques
such as , but not limited to : digital certificates ( e . g . , X . 509 Mail Server authentication framework ) , digital signatures , dual signa
65 tures , enveloping , password access protection , public key A mail server component 2321 is a stored program management , and / or the like . The cryptographic component
component that is executed by a CPU 2303 . The mail server will facilitate numerous ( encryption and / or decryption )
Moi
US 9 , 818 , 156 B2 27 28
security protocols such as , but not limited to : checksum , XML ) , table , and / or the like . Such data - structures may be Data Encryption Standard ( DES ) , Elliptical Curve Encryp stored in memory and / or in ( structured ) files . In another tion ( ECC ) , International Data Encryption Algorithm alternative , an object - oriented database may be used , such as ( IDEA ) , Message Digest 5 ( MD5 , which is a one way hash Frontier , ObjectStore , Poet , Zope , and / or the like . Object operation ) , passwords , Rivest Cipher ( RC5 ) , Rijndael , RSA 5 databases can include a number of object collections that are ( which is an Internet encryption and authentication system grouped and / or linked together by common attributes ; they that uses an algorithm developed in 1977 by Ron Rivest , Adi may be related to other object collections by some common Shamir , and Leonard Adleman ) , Secure Hash Algorithm attributes . Object - oriented databases perform similarly to ( SHA ) , Secure Socket Layer ( SSL ) , Secure Hypertext Trans - relational databases with the exception that objects are not fer Protocol ( HTTPS ) , Transport Layer Security ( TLS ) , 10 just pieces of data but may have other types of capabilities and / or the like . Employing such encryption security proto - encapsulated within a given object . If the MMACC database cols , the MMACC may encrypt all incoming and / or outgo is implemented as a data - structure , the use of the MMACC ing communications and may serve as node within a virtual database 2319 may be integrated into another component private network ( VPN ) with a wider communications net such as the MMACC component 2335 . Also , the database work . The cryptographic component facilitates the process 15 may be implemented as a mix of data structures , objects , and of “ security authorization ” whereby access to a resource is relational structures . Databases may be consolidated and / or inhibited by a security protocol wherein the cryptographic distributed in countless variations through standard data component effects authorized access to the secured resource . processing techniques . Portions of databases , e . g . , tables , In addition , the cryptographic component may provide may be exported and / or imported and thus decentralized unique identifiers of content , e . g . , employing and MD5 hash 20 and / or integrated . to obtain a unique signature for an digital audio file . A In one embodiment , the database component 2319 cryptographic component may communicate to and / or with includes several tables 2319a - z : other components in a component collection , including An accounts table 2319a includes fields such as , but not itself , and / or facilities of the like . The cryptographic com limited to : an accountID , accountOwnerID , accountContac ponent supports encryption schemes allowing for the secure 25 ID , assetIDs , deviceIDs , paymentIDs , transactionIDs , use transmission of information across a communications net rIDs , CEO _ ID , SliceTypeID , account Type ( e . g . , agent , work to enable the MMACC component to engage in secure entity ( e . g . , corporate , non - profit , partnership , etc . ) , indi transactions if so desired . The cryptographic component vidual , etc . ) , accountCreationDate , accountUpdateDate , facilitates the secure accessing of resources on the MMACC accountName , accountNumber , routingNumber , link Wal and facilitates the access of secured resources on remote 30 letsID , accountPrioritAccaountRatio , accountAddress , systems ; i . e . , it may act as a client and / or server of secured accountState , account ZIPcode , accountCountry , accountE resources . Most frequently , the cryptographic component mail , accountPhone , accountAuthKey , accountIPaddress , communicates with information servers , operating systems , accountURLAccessCode , accountPortNo , accountAuthori other program components , and / or the like . The crypto zationCode , accountAccessPrivileges , accountPreferences , graphic component may contain , communicate , generate , 35 accountRestrictions , and / or the like ; obtain , and / or provide program component , system , user , A users table 2319b includes fields such as , but not limited and / or data communications , requests , and / or responses . to : a userID , userSSN , taxID , userContactID , accountID ,
assetIDs , deviceIDs , paymentIDs , transactionIDs , CEO _ ID , The MMACC Database SliceTypeID , userType ( e . g . , MMACC product user , asset
40 buyer , agent , entity ( e . g . , corporate , non - profit , partnership , The MMACC database component 2319 may be embod - etc . ) , individual , etc . ) , namePrefix , firstName , middleName ,
ied in a database and its stored data . The database is a stored lastName , nameSuffix , DateOfBirth , userAge , userName , program component , which is executed by the CPU ; the userEmail , userSocial AccountID , contactType , contactRela stored program component portion configuring the CPU to tionship , userPhone , userAddress , userCity , userState , user process the stored data . The database may be a conventional , 45 ZIP Code , userCountry , userAuthorizationCode , user Access fault tolerant , relational , scalable , secure database such as Privilges , userPreferences , userRestrictions , and / or the like MySQL , Oracle , Sybase , etc . may be used . Additionally , ( the user table may support and / or track multiple entity optimized fast memory and distributed databases such as accounts on a MMACC ) ; IBM ' s Netezza , MongoDB ' s MongoDB , opensource An devices table 2319c includes fields such as , but not Hadoop , opensource VoltDB , SAP ' s Hana , etc . Relational 50 limited to : deviceID , sensorIDs , accountID , assetIDs , pay databases are an extension of a flat file . Relational databases mentIDs , deviceType , deviceName , device Manufacturer , consist of a series of related tables . The tables are intercon deviceModel , deviceVersion , deviceSerialNo , deviceIPad nected via a key field . Use of the key field allows the dress , device MACaddress , device _ ECID , deviceUUID , combination of the tables by indexing against the key field ; device Location , deviceCertificate , deviceOS , applDs , i . e . , the key fields act as dimensional pivot points for 55 deviceResources , deviceSession , authKey , deviceSe combining information from various tables . Relationships cureKey , walletAppinstalled Flag , deviceAccessPrivileges , generally identify links maintained between tables by devicePreferences , deviceRestrictions , hardware _ config , matching primary keys . Primary keys represent fields that software _ config , storage _ location , sensor _ value , pin _ read uniquely identify the rows of a table in a relational database . ing , data _ length , channel _ requirement , sensor _ name , sen Alternative key fields may be used from any of the fields 60 sor _ model _ no , sensor _ manufacturer , sensor _ type , sen having unique value sets , and in some alternatives , even sor _ serial _ number , sensor _ power _ requirement , device _ non - unique values in combinations with other fields . More power _ requirement , location , sensor _ associated _ tool , sen precisely , they uniquely identify rows of a table on the " one " sor _ dimensions , device _ dimensions , power _ condition , tem side of a one - to - many relationship . perature _ setting , speed _ adjust , hold _ duration , part _ actua
Alternatively , the MMACC database may be imple - 65 tion , and / or the like . Device table may , in some mented using various standard data - structures , such as an embodiments , include fields corresponding to one or more array , hash , ( linked ) list , struct , structured text file ( e . g . , Bluetooth profiles , such as those published at https : / / www
29 US 9 , 818 , 156 B2
30 . bluetooth . org / en - us / specification / adopted - specifications , through Microsoft ' s Active Template Library and Dealing and / or other device specifications , and / or the like ; Object Technology ' s real - time toolkit Rtt . Multi . An apps table 2319d includes fields such as , but not In one embodiment , the MMACC database may interact
limited to : appID , appName , appType , appDependencies , with other database systems . For example , employing a accountID , deviceIDs , transactionID , userID , appStoreAu - 5 distributed database system , queries and data access by thKey , appStore Account ID , appStoreIPaddress , app search MMACC component may treat the combination of StoreURLaccessCode , appStorePortNo , appAccessPrivi the MMACC database , an integrated data security layer leges , appPreferences , appRestrictions , portNum , database as a single database entity . access _ API _ call , linked _ wallets _ list , and / or the like ; In one embodiment , user programs may contain various
An assets table 2319e includes fields such as , but not but not 10 user interface primitives , which may serve to update the limited to : assetID , accountID , userID , distributorAccoun MMACC . Also , various accounts may require custom data tID , distributorPaymentID , distributorOnwerID , CEO _ ID , base tables depending upon the environments and the types
of clients the MMACC may need to serve . It should be noted SliceTypeID , assetType , assetName , assetCode , assetQuan that any unique fields may be designated as a key field tity , assetCost , assetPrice , assetManufactuer , assetModelNo , 100NO , 15 throughout . In an alternative embodiment , these tables have assetSerialNo , assetLocation , assetAddress , assetState , been decentralized into their own databases and their respec asset ZIPcode , assetState , assetCountry , assetEmail , assetI tive database controllers ( i . e . , individual database controllers Paddress , assetURLaccessCode , assetOwnerAccountID , for each of the above tables ) . Employing standard data subscriptionIDs , assetAuthroizationCode , assetAccessPrivi processing techniques , one may further distribute the data leges , assetPreferences , assetRestrictions , assetConditions , 20 bases over several computer systemizations and / or storage initialCost , currentValue , initialQuarterly Dividend , current devices . Similarly , configurations of the decentralized data QuarterlyDividend , purchaseTime , alpha , beta , curren base controllers may be varied by consolidating and / or tYield , totalReturn , and / or the like ; distributing the various database components 2319a - z . The
A payments table 2319f includes fields such as , but not MMACC may be configured to keep track of various limited to : paymentID , accountID , userID , CEO _ ID , Slice - 25 settings , inputs , and parameters via database controllers . TypeID , paymentType , paymentAccountNo , paymentAc - The MMACC database may communicate to and / or with countName , paymentAccountAuthorizationCodes , paymen - other components in a component collection , including tExpirationDate , paymentCCV , paymentRoutingNo , itself , and / or facilities of the like . Most frequently , the paymentRouting Type , paymentAddress , paymentState , pay MMACC database communicates with the MMACC com mentZIPcode , paymentCountry , paymentEmail , payment - 30 ponent , other program components , and / or the like . The AuthKey , payment / Paddress , paymentURLaccessCode , database may contain , retain , and provide information paymentPortNo , paymentAccessPrivileges , paymentPrefer - regarding other nodes and data . ences , payementRestrictions , and / or the like ; An transactions table 2319g includes fields such as , but The MMACCs
not limited to : transactionID , accountID , assetIDs , device - 35 IDs , paymentIDs , transactionIDs , userID , merchantID , The MMACC component 2335 is a stored program com CEO _ ID , SliceTypeID , transaction Type , transactionDate , ponent that is executed by a CPU . In one embodiment , the transaction Time , transactionAmount , transactionQuantity , MMACC component incorporates any and / or all combina transaction Details , products List , productType , productTitle , tions of the aspects of the MMACC that was discussed in the products Summary , productParams List , transactionNo , 40 previous figures . As such , the MMACC affects accessing , transactionAccessPrivileges , transactionPreferences , trans obtaining and the provision of information , services , trans actionRestrictions , merchantAuthKey , merchantAuthCode , actions , and / or the like across various communications and / or the like ; networks . The features and embodiments of the MMACC An merchants table 2319h includes fields such as , but not discussed herein increase network efficiency by reducing
limited to : merchantID , merchant TaxID , merchanteName , 45 data transfer requirements the use of more efficient data merchantContactUserID , accountID , issuerID , acquirerID , structures and mechanisms for their transfer and storage . As merchantEmail , merchantAddress , merchantState , mer - a consequence , more data may be transferred in less time , chantZIPcode , merchantCountry , merchantAuthKey , mer - and latencies with regard to transactions , are also reduced . In chantIPaddress , portNum , merchantURLaccessCode , mer - many cases , such reduction in storage , transfer time , band chantPortNo , merchantAccessPrivileges , 50 width requirements , latencies , etc . , will reduce the capacity merchantPreferences , merchantRestrictions , and / or the like ; and structural infrastructure requirements to support the
An CEO table 2319i includes fields such as , but not MMACC ' s features and facilities , and in many cases reduce limited to : CEO _ ID , sliceID , CEO _ Name , SliceType , Sli the costs , energy consumption / requirements , and extend the ceName , assetID , accountID , userID , distributorAccountID , life of MMACC ' s underlying infrastructure ; this has the distributorPaymentID , distributorOnwerID , priority , fund - 55 added benefit of making the MMACC more reliable . Simi sRaised , FixedYield , YieldUpside , and / or the like ; larly , many of the features and mechanisms are designed to An SliceType table 2319i includes fields such as , but not be easier for users to use and access , thereby broadening the
limited to : SliceTypeID , CEO _ ID , sliceID , SliceType , Sli - audience that may enjoy / employ and exploit the feature sets ceName , assetID , accountID , userID , distributorAccountID , of the MMACC ; such ease of use also helps to increase the distributorPaymentID , distributorOnwerID , priority , fund - 60 reliability of the MMACC . In addition , the feature sets sRaised , FixedYield , YieldUpside , and / or the like ; include heightened security as noted via the Cryptographic Amarket data table 2319z includes fields such as , but not components 2320 , 2326 , 2328 and throughout , making
limited to : market _ data _ feed _ ID , asset _ ID , asset _ symbol , access to the features and data more reliable and secure asset _ name , spot _ price , bid _ price , ask _ price , and / or the The MMACC transforms collateralized equity obligation like ; in one embodiment , the market data table is populated 65 structure parameters , asset search , tranche selections inputs , through a market data feed ( e . g . , Bloomberg ' s PhatPipe , via MMACC components ( e . g . , pool tranche instantiation Dun & Bradstreet , Reuter ' s Tib , Triarch , etc . ) , for example , 2341 , tranche asset transact 2342 , distribute income tranche
31 US 9 , 818 , 156 B2
32 2343 , distribute principal tranche 2344 of FIG . 23 ) , into figuration results in more consolidated and / or integrated asset income distribution message , principal distribution program components , results in a more distributed series of message outputs . program components , and / or results in some combination
The MMACC component enabling access of information between a consolidated and distributed configuration , data between nodes may be developed by employing standard 5 may be communicated , obtained , and / or provided . Instances development tools and languages such as , but not limited to : of components consolidated into a common code base from Apache components , Assembly , ActiveX , binary the program component collection may communicate , executables , ( ANSI ) ( Objective - ) C ( + + ) , C # and / or . NET , obtain , and / or provide data . This may be accomplished database adapters , CGI scripts , Java , JavaScript , mapping through intra - application data processing communication tools , procedural and object oriented development tools , 10 techniques such as , but not limited to : data referencing ( e . g . , PERL , PHP , Python , shell scripts , SQL commands , web pointers ) , internal messaging , object instance variable com application server extensions , web development environ munication , shared memory space , variable passing , and / or ments and libraries ( e . g . , Microsoft ' s ActiveX ; Adobe AIR , FLEX & FLASH ; AJAX ; ( D ) HTML ; Dojo , Java ; If component collection components are discrete , sepa JavaScript ; jQuery ( UI ) ; Moo Tools ; Prototype ; script . acu - 15 rate , and / or external to one another , then communicating , lo . us ; Simple Object Access Protocol ( SOAP ) ; SWFObject ; obtaining , and / or providing data with and / or to other com Yahoo ! User Interface ; and / or the like ) , WebObjects , and / or ponent components may be accomplished through inter the like . In one embodiment , the MMACC server employs application data processing communication techniques such a cryptographic server to encrypt and decrypt communica - as , but not limited to : Application Program Interfaces ( API ) tions . The MMACC component may communicate to and / or 20 information passage ; ( distributed ) Component Object Model with other components in a component collection , including ( D ) COM ) , ( Distributed ) Object Linking and Embedding itself , and / or facilities of the like . Most frequently , the ( DOLE ) , and / or the like ) , Common Object Request Broker MMACC component communicates with the MMACC Architecture ( CORBA ) , Jini local and remote application database , operating systems , other program components , program interfaces , JavaScript Object Notation ( JSON ) , and / or the like . The MMACC may contain , communicate , 25 Remote Method Invocation ( RMI ) , SOAP , process pipes , generate , obtain , and / or provide program component , sys - shared files , and / or the like . Messages sent between discrete tem , user , and / or data communications , requests , and / or component components for inter - application communica responses . tion or within memory spaces of a singular component for
intra - application communication may be facilitated through Distributed MMACCs 30 the creation and parsing of a grammar . A grammar may be
developed by using development tools such as lex , yacc , The structure and / or operation of any of the MMACC XML , and / or the like , which allow for grammar generation
node controller components may be combined , consoli - and parsing capabilities , which in turn may form the basis of dated , and / or distributed in any number of ways to facilitate communication messages within and between components . development and / or deployment . Similarly , the component 35 For example , a grammar may be arranged to recognize the collection may be combined in any number of ways to tokens of an HTTP post command , e . g . : facilitate deployment and / or development . To accomplish w3c - post http : / / . . . Valuel this , one may integrate the components into a common code where Valuel is discerned as being a parameter because base or in a facility that can dynamically load the compo - " http : / / ” is part of the grammar syntax , and what follows is nents on demand in an integrated fashion . As such a com - 40 considered part of the post value . Similarly , with such a bination of hardware may be distributed within a location , grammar , a variable “ Valuel ” may be inserted into an within a region and / or globally where logical access to a “ http : / / ” post command and then sent . The grammar syntax controller may be abstracted as a singular node , yet where a itself may be presented as structured data that is interpreted multitude of private , semiprivate and publically accessible and / or otherwise used to generate the parsing mechanism node controllers ( e . g . , via dispersed data centers ) are coor - 45 ( e . g . , a syntax description text file as processed by lex , yacc , dinated to serve requests ( e . g . , providing private cloud , etc . ) . Also , once the parsing mechanism is generated and / or semi - private cloud , and public cloud computing resources ) instantiated , it itself may process and / or parse structured and allowing for the serving of such requests in discrete data such as , but not limited to : character ( e . g . , tab ) delin regions ( e . g . , isolated , local , regional , national , global cloud eated text , HTML , structured text streams , XML , and / or the access ) . 50 like structured data . In another embodiment , inter - applica
The component collection may be consolidated and / or tion data processing protocols themselves may have inte distributed in countless variations through standard data grated and / or readily available parsers ( e . g . , JSON , SOAP , processing and / or development techniques . Multiple and / or like parsers ) that may be employed to parse ( e . g . , instances of any one of the program components in the communications ) data . Further , the parsing grammar may be program component collection may be instantiated on a 55 used beyond message parsing , but may also be used to parse : single node , and / or across numerous nodes to improve databases , data collections , data stores , structured data , performance through load balancing and / or data - processing and / or the like . Again , the desired configuration will depend techniques . Furthermore , single instances may also be dis - upon the context , environment , and requirements of system tributed across multiple controllers and / or storage devices ; deployment . e . g . , databases . All program component instances and con - 60 For example , in some implementations , the MMACC trollers working in concert may do so through standard data controller may be executing a PHP script implementing a processing communication techniques . Secure Sockets Layer ( " SSL " ) socket server via the infor
The configuration of the MMACC controller will depend mation server , which listens to incoming communications on on the context of system deployment . Factors such as , but a server port to which a client may send data , e . g . , data not limited to , the budget , capacity , location , and / or use of 65 encoded in JSON format . Upon identifying an incoming the underlying hardware resources may affect deployment communication , the PHP script may read the incoming requirements and configuration . Regardless of if the con message from the client device , parse the received JSON
US 9 , 818 , 156 B2 33 34
encoded text data to extract information from the JSON that further undescribed alternate embodiments may be encoded text data into PHP script variables , and store the available for a portion is not to be considered a disclaimer data ( e . g . , client identifying information , etc . ) and / or of those alternate embodiments . It will be appreciated that extracted information in a relational database accessible many of those undescribed embodiments incorporate the using the Structured Query Language ( “ SQL ” ) . An exem - 5 same principles of the innovations and others are equivalent . plary listing , written substantially in the form of PHP / SQL Thus , it is to be understood that other embodiments may be commands , to accept JSON - encoded input data from a client utilized and functional , logical , operational , organizational , device via a SSL connection , parse the data to extract structural and / or topological modifications may be made
variables , and store the data to a database , is provided below : without departing from the scope and / or spirit of the dis 10 closure . As such , all examples and / or embodiments are
deemed to be non - limiting throughout this disclosure . Also , < ? PHP no inference should be drawn regarding those embodiments header ( " Content - Type : text / plain ' ) ; discussed herein relative to those not discussed herein other / / set ip address and port to listen to for incoming data than it is as such for purposes of reducing space and $ address = ` 192 . 168 . 0 . 100 " ; repetition . For instance , it is to be understood that the logical $ port = 255 ; / / create a server - side SSL socket , listen for / accept incoming and / or topological structure of any combination of any communication program components ( a component collection ) , other com $ sock = socket _ create ( AF _ INET , SOCK _ STREAM , 0 ) ; ponents , data flow order , logic flow order , and / or any present socket _ bind ( $ sock , $ address , Sport ) or die ( " Could not bind to address ' ) ; feature sets as described in the figures and / or throughout are socket _ listen ( $ sock ) ; $ client = socket _ accept ( $ sock ) ; 20 not limited to a fixed operating order and / or arrangement , / / read input data from client device in 1024 byte blocks until end of but rather , any disclosed order is exemplary and all equiva message lents , regardless of order , are contemplated by the disclo do { sure . Similarly , descriptions of embodiments disclosed $ input = " " ;
$ input = socket _ read ( $ client , 1024 ) ; throughout this disclosure , any reference to direction or $ data . = $ input ; orientation is merely intended for convenience of descrip
} while ( $ input ! = " " ) ; tion and is not intended in any way to limit the scope of / / parse data to extract variables described embodiments . Relative terms such as “ lower , " $ obj = json _ decode ( $ data , true ) ; / / store input data in a database “ upper , " " horizontal , ” “ vertical , " " above , " " below , " " up , ” mysql _ connect ( “ 201 . 408 . 185 . 132 " , $ DBserver , $ password ) ; / / access " down , " " top ” and “ bottom ” as well as derivative thereof database server 30 ( e . g . , " horizontally , " " downwardly , " " upwardly , ” etc . ) mysql _ select ( “ CLIENT _ DB . SQL " ) ; / / select database to append should not be construed to limit embodiments , and instead , mysql _ query ( " INSERT INTO UserTable ( transmission ) VALUES ( $ data ) ” ) ; / / add data to UserTable table in a CLIENT database again , are offered for convenience of description of orien mysql _ close ( " CLIENT _ DB . SQL ” ) ; / / close connection to database tation . These relative descriptors are for convenience of ? > description only and do not require that any embodiments be
35 constructed or operated in a particular orientation unless Also , the following resources may be used to provide explicitly indicated as such . Terms such as " attached , "
example embodiments regarding SOAP parser implementa " affixed , " " connected , " " coupled , ” “ interconnected , " and tion : similar may refer to a relationship wherein structures are
secured or attached to one another either directly or indi 40 rectly through intervening structures , as well as both mov
http : / / www . xav . com / perl / site / lib / SOAP / Parser . html able or rigid attachments or relationships , unless expressly http : / / publib . boulder . ibm . com / infocenter / tivihelp / v2r1 / index . jsp ? topic = / described otherwise . Furthermore , it is to be understood that com . ibm . IBMDI . doc / referenceguide295 . htm such features are not limited to serial execution , but rather ,
any number of threads , processes , services , servers , and / or and other parser implementations : 45 the like that may execute asynchronously , concurrently , in
parallel , simultaneously , synchronously , and / or the like are contemplated by the disclosure . As such , some of these
http : / / publib . boulder . ibm . com / infocenter / tivihelp / v2r1 / index . jsp ? topic = / features may be mutually contradictory , in that they cannot com . ibm . IBMDI . doc / referenceguide259 . htm be simultaneously present in a single embodiment . Simi
50 larly , some features are applicable to one aspect of the all of which are hereby expressly incorporated by reference . innovations , and inapplicable to others . In addition , the
In order to address various issues and advance the art , the disclosure includes other innovations not presently claimed . entirety of this application for Multiple Modular Asset Class Applicant reserves all rights in those presently unclaimed Constructor Apparatuses , Methods and Systems ( including innovations including the right to claim such innovations , the Cover Page , Title , Headings , Field , Background , Sum - 55 file additional applications , continuations , continuations in mary , Brief Description of the Drawings , Detailed Descrip - part , divisions , and / or the like thereof . As such , it should be tion , Claims , Abstract , Figures , Appendices , and otherwise ) understood that advantages , embodiments , examples , func shows , by way of illustration , various embodiments in which tional , features , logical , operational , organizational , struc the claimed innovations may be practiced . The advantages tural , topological , and / or other aspects of the disclosure are and features of the application are of a representative sample 60 not to be considered limitations on the disclosure as defined of embodiments only , and are not exhaustive and / or exclu - by the claims or limitations on equivalents to the claims . It sive . They are presented only to assist in understanding and is to be understood that , depending on the particular needs teach the claimed principles . It should be understood that and / or characteristics of a MMACC individual and / or enter they are not representative of all claimed innovations . As prise user , database configuration and / or relational model , such , certain aspects of the disclosure have not been dis - 65 data type , data transmission and / or network framework , cussed herein . That alternate embodiments may not have syntax structure , and / or the like , various embodiments of the been presented for a specific portion of the innovations or MMACC , may be implemented that enable a great deal of
US 9 , 818 , 156 B2 35 36
flexibility and customization . For example , aspects of the MMACC have included information technology , however , it MMACC may be adapted for separating , e . g . , physical , asset is to be understood that the embodiments described herein benefits and liabilities across slices of an asset collection . may be readily configured and / or customized for a wide While various embodiments and discussions of the variety of other applications and / or implementations .
APPENDIX 1 Example MMACC embodiments ( initial purchases )
2008 Tranche - 5 Year Maturity Initialization ( Dec . 31 , 2008 )
Sum : 3M Company Abbott Laboratories Abercrombie & Fitch Co . Class A Adobe Systems Incorporated Advanced Micro Devices , Inc . AES Corporation Aetna Inc . Affiliated Computer Services Inc . CI A Aflac Incorporated Agilent Technologies , Inc . Air Products and Chemicals , Inc . AK Steel Holding Corporation Akamai Technologies , Inc . Alcoa Inc . Allegheny Energy Allegheny Technologies Incorporated Allergan , Inc . Allstate Corporation Altera Corporation Altria Group , Inc . Amazon . com , Inc . Ameren Corporation American Capital , Ltd . American Electric Power Company , Inc . American Express Company American International Group , Inc . American Tower Corporation Ameriprise Financial , Inc . AmerisourceBergen Corporation Amgen Inc . Amphenol Corporation Class A Anadarko Petroleum Corporation Analog Devices , Inc . Aon plc Apache Corporation Apartment Investment and Management Company C Apollo Education Group , Inc . Class A Apple Inc . Applied Materials , Inc . Archer - Daniels - Midland Company Assurant , Inc . AT & T Inc . Autodesk , Inc . Automatic Data Processing , Inc . AutoNation , Inc . AutoZone , Inc . AvalonBay Communities , Inc . Avery Dennison Corporation Avon Products , Inc . Baker Hughes Incorporated Ball Corporation Bank of America Corporation Bank of New York Mellon Corporation Baxter International Inc . BB & T Corporation Becton , Dickinson and Company Bed Bath & Beyond Inc . Bemis Company , Inc . Best Buy Co . , Inc . Big Lots , Inc . Biogen Idec Inc . BJ Services Co Black & Decker Corporation BMC Software , Inc . Boeing Company Boston Properties , Inc .
Example MMACC embodiments ( initial purchases ) 2008 Tranche - 5 Year Maturity Initialization ( Dec . 31 , 2008 )
Initial Weight ( % )
Purchase Price * Company Name Invested Shares
7 . 7
52
Boston Scientific Corporation Bristol - Myers Squibb Company Broadcom Corporation Class A Brown - Forman Corporation Class B Burlington Northern C . R . Bard , Inc . C . H . Robinson Worldwide , Inc . CA , Inc . Cabot Oil & Gas Corporation Cameron International Corporation Campbell Soup Company Capital One Financial Corporation Cardinal Health , Inc . Carnival Corporation Caterpillar Inc . CB Richard Ellis Group Inc . CBS Corporation Class B Celgene Corporation CenterPoint Energy , Inc . Centex Corp . CenturyLink , Inc . Cephalon Inc CF Industries Holdings , Inc . Charles Schwab Corporation Chesapeake Energy Corporation Chevron Corporation Chubb Corporation Ciena Corporation Cigna Corporation Cincinnati Financial Corporation Cintas Corporation Cisco Systems , Inc . CIT Group Inc . ( Old ) Citigroup Inc . Citrix Systems , Inc . Clorox Company CME Group Inc . Class A CMS Energy Corporation Coach , Inc . Coca - Cola Company Coca - Cola Enterprises , Inc . Cognizant Technology Solutions Corporation Class A Colgate - Palmolive Company Comcast Corporation Class A Comerica Incorporated Computer Sciences Corporation Compuware Corporation ConAgra Foods , Inc . ConocoPhillips CONSOL Energy Inc . Consolidated Edison , Inc . Constellation Brands , Inc . Class A Constellation Energy Group Inc . Convergys Corporation Cooper Industries PLC CI A Corning Incorporated Costco Wholesale Corporation Coventry Health Care Inc . Covidien Plc CSX Corporation Cummins Inc . CVS Health Corporation D . R . Horton , Inc . Danaher Corporation Darden Restaurants , Inc . DaVita Health Care Partners Inc . Dean Foods Company Deere & Company Dell Inc . DENTSPLY International Inc . Developers Diversified Realty Corp . Devon Energy Corporation DirecTV Group Inc .
Discover Financial Services Dominion Resources , Inc . Dover Corporation Dow Chemical Company Dr Pepper Snapple Group , Inc . DTE Energy Company Duke Energy Corporation Dun & Bradstreet Corporation Dynegy Inc . E * TRADE Financial Corporation E . I . du Pont de Nemours and Company Eastman Chemical Company Eastman Kodak Company Eaton Corp . eBay Inc . Ecolab Inc . Edison International El Paso Corp . Electronic Arts Inc . Eli Lilly and Company Embarq Corp . EMC Corporation Emerson Electric Co . Ensco plc Entergy Corporation EOG Resources , Inc . Equifax Inc . Equitable Resources Inc . Equity Residential Estee Lauder Companies Inc . Class A Exelon Corporation Expedia , Inc . Expeditors International of Washington , Inc . Express Scripts Holding Company Exxon Mobil Corporation Family Dollar Stores , Inc . Fastenal Company Federated Investors , Inc . Class B FedEx Corporation Fidelity National Information Services , Inc . Fifth Third Bancorp First Horizon National Corporation FirstEnergy Corp . Fiserv , Inc . Flowserve Corporation Fluor Corporation Ford Motor Company Forest Laboratories , Inc . Fortune Brands Inc . FPL Group Inc . Franklin Resources , Inc . Freeport - McMoRan , Inc . Frontier Communications Corporation Class B GameStop Corp . Class A Gannett Co . , Inc . Gap , Inc . General Dynamics Corporation General Electric Company General Mills , Inc . General Motors Corporation Genuine Parts Company Genworth Financial , Inc . Class A Genzyme Corp . Gilead Sciences , Inc . Goldman Sachs Group , Inc . Goodrich Corp . Goodyear Tire & Rubber Company Google Inc . Class A Graham Holdings Co . H & R Block , Inc . H . J . Heinz Company Halliburton Company Harley - Davidson , Inc .
Harman International Industries , Incorporated Harris Corporation Hartford Financial Services Group , Inc . Hasbro , Inc . HCP , Inc . Hershey Company Hess Corporation Hewlett - Packard Company Home Depot , Inc . Honeywell International Inc . Hospira , Inc . Host Hotels & Resorts , Inc . Hudson City Bancorp , Inc . Humana Inc . Huntington Bancshares Incorporated Illinois Tool Works Inc . IMS Health Inc . Ingersoll - Rand Plc Integrys Energy Group , Inc . Intel Corporation IntercontinentalExchange , Inc . International Business Machines Corporation International Flavors & Fragrances Inc . International Game Technology International Paper Company Interpublic Group of Companies , Inc . Intuit Inc . Intuitive Surgical , Inc . Invesco Ltd . ITT Corporation J . C . Penney Company , Inc . J . M . Smucker Company Jabil Circuit , Inc . Jacobs Engineering Group Inc . Janus Capital Group Inc . JDS Uniphase Corporation Johnson & Johnson Johnson Controls , Inc . Jones Apparel Group Inc . JPMorgan Chase & Co . Juniper Networks , Inc . KB Home Kellogg Company KeyCorp Kimberly - Clark Corporation Kimco Realty Corporation King Pharmaceuticals KLA - Tencor Corporation Kohl ' s Corporation Kraft Foods Inc . Kroger Co . L - 3 Communications Holdings , Inc . Laboratory Corporation of America Holdings Legg Mason , Inc . Leggett & Platt , Incorporated Lennar Corporation Class A Leucadia National Corporation Lexmark International , Inc . Class A Life Technologies Corporation Limited Brands Inc . Lincoln National Corporation Linear Technology Corporation Lockheed Martin Corporation Loews Corporation Lorillard , Inc . Lowe ' s Companies , Inc . LSI Corporation M & T Bank Corporation Macy ' s Inc Manitowoc Company , Inc . Marathon Oil Corporation Marriott International , Inc . Class A Marsh & McLennan Companies , Inc .
Example MMACC embodiments ( initial purchases ) 2008 Tranche - 5 Year Maturity Initialization ( Dec . 31 , 2008 )
Initial $ Invested
Purchase Price * Company Name Shares
3 , 869 4 , 516 7 , 910 6 , 401
13 , 360 2 , 159 6 , 302
14 , 391 11 , 835 5 , 350
Pinnacle West Capital Corporation Pioneer Natural Resources Company Pitney Bowes Inc . Plum Creek Timber Company , Inc . PNC Financial Services Group , Inc . Polo Ralph Lauren Corp . PPG Industries , Inc . PPL Corporation Praxair , Inc . Precision Castparts Corp . Principal Financial Group , Inc . Procter & Gamble Company Progress Energy Inc . Progressive Corporation Prologis Prudential Financial , Inc . Public Service Enterprise Group Incorporated Public Storage PulteGroup , Inc . QLogic Corporation QUALCOMM Incorporated Quest Diagnostics Incorporated Questar Corporation Qwest Communications International Inc R . R . Donnelley & Sons Company RadioShack Corporation Range Resources Corporation Raytheon Company Regions Financial Corporation Republic Services , Inc . Reynolds American Inc . Robert Half International Inc . Rockwell Automation , Inc . Rockwell Collins , Inc . Rohm & Haas Co . Rowan Cos . Plc Class A Ryder System , Inc . Safeway Inc . salesforce . com , inc . SanDisk Corporation Sara Lee Corp . Schering - Plough Corp . Schlumberger NV Scripps Networks Interactive , Inc . Class A Sealed Air Corporation Sears Holdings Corporation Sempra Energy Sherwin - Williams Company Sigma - Aldrich Corporation Simon Property Group , Inc . SLM Corp Smith International Snap - on Incorporated Southern Company Southwest Airlines Co . Southwestern Energy Company Sovereign Bancorp Inc . Spectra Energy Corp Sprint Nextel Corporation St . Jude Medical , Inc . Staples , Inc . Starbucks Corporation Starwood Hotels & Resorts Worldwide , Inc . State Street Corporation Stericycle , Inc . Stryker Corporation Sun Microsystems Sunoco Inc . SunTrust Banks , Inc . SUPERVALU INC . Symantec Corporation Sysco Corporation T . Rowe Price Group
Example MMACC embodiments ( initial purchases ) 2008 Tranche - 5 Year Maturity Initialization ( Dec . 31 , 2008 )
Initial Purchase Price * Company Name Invested Shares 34 . 5 12 . 4
4 . 1 4 . 6
14 . 8 4 . 2
13 . 2 15 . 5 13 . 9 34 . 1 34 . 1 23 . 6 30 . 2
8 . 8 10 . 3 19 . 9 14 . 0 45 . 2 16 . 2 21 . 6
8 . 8 25 . 0 23 . 9
Target Corporation TECO Energy , Inc . Tellabs , Inc . Tenet Healthcare Corporation Teradata Corporation Teradyne , Inc . Tesoro Corporation Texas Instruments Incorporated Textron Inc . The Stanley Works Thermo Fisher Scientific Inc . Tiffany & Co . Time Warner Inc . Titanium Metals Corp . TJX Companies , Inc . Torchmark Corporation Total System Services , Inc . Travelers Companies , Inc . Tyco Electronics Ltd . Tyco International Ltd . Tyson Foods , Inc . Class A U . S . Bancorp Union Pacific Corporation United Parcel Service , Inc . Class B United States Steel Corporation United Technologies Corporation UnitedHealth Group Incorporated Unum Group UST Inc . V . F . Corporation Valero Energy Corporation Varian Medical Systems , Inc . VeriSign , Inc . Verizon Communications Inc . Viacom Inc . Class B Vornado Realty Trust Vulcan Materials Company W . W . Grainger , Inc . Walgreen Co . Wal - Mart Stores , Inc . Walt Disney Company Waste Management , Inc . Waters Corporation Watson Pharmaceuticals Inc . Weatherford International Ltd . WellPoint , Inc . Wells Fargo & Company Western Union Company Weyerhaeuser Company Whirlpool Corporation Whole Foods Market , Inc . Williams Companies , Inc . Windstream Corp . Wisconsin Energy Corporation Wyeth Wyndham Worldwide Corporation Wynn Resorts , Limited Xcel Energy Inc . Xerox Corporation Xilinx , Inc . XL Capital Ltd . XTO Energy Inc Yahoo ! Inc . YUM ! Brands , Inc . Zimmer Holdings , Inc . Zions Bancorporation
3M Company Abbott Laboratories Abercrombie & Fitch Co . Class A Adobe Systems Incorporated Advanced Micro Devices , Inc . AES Corporation Aetna Inc . Affiliated Computer Services Inc . CI A Aflac Incorporated Agilent Technologies , Inc . Air Products and Chemicals , Inc . AK Steel Holding Corporation Akamai Technologies , Inc . Alcoa Inc . Allegheny Energy Allegheny Technologies Incorporated Allergan , Inc . Allstate Corporation Altera Corporation Altria Group , Inc . Amazon . com , Inc . Ameren Corporation American Capital , Ltd . American Electric Power Company , Inc . American Express Company American International Group , Inc . American Tower Corporation Ameriprise Financial , Inc . AmerisourceBergen Corporation Amgen Inc . Amphenol Corporation Class A Anadarko Petroleum Corporation Analog Devices , Inc . Aon plc Apache Corporation Apartment Investment and Management Company C Apollo Education Group , Inc . Class A Apple Inc . Applied Materials , Inc . Archer - Daniels - Midland Company Assurant , Inc . AT & T Inc . Autodesk , Inc . Automatic Data Processing , Inc . AutoNation , Inc . AutoZone , Inc . Avalon Bay Communities , Inc . Avery Dennison Corporation Avon Products , Inc . Baker Hughes Incorporated Ball Corporation Bank of America Corporation Bank of New York Mellon Corporation Baxter International Inc . BB & T Corporation Becton , Dickinson and Company Bed Bath & Beyond Inc . Bemis Company , Inc Best Buy Co . , Inc . Big Lots , Inc . Biogen Idec Inc . BJ Services Co Black & Decker Corporation BMC Software , Inc . Boeing Company Boston Properties , Inc . Boston Scientific Corporation Bristol - Myers Squibb Company Broadcom Corporation Class A
Brown - Forman Corporation Class B Burlington Northern C . R . Bard , Inc . C . H . Robinson Worldwide , Inc . CA , Inc . Cabot Oil & Gas Corporation Cameron International Corporation Campbell Soup Company Capital One Financial Corporation Cardinal Health , Inc . Carnival Corporation Caterpillar Inc . CB Richard Ellis Group Inc . CBS Corporation Class B Celgene Corporation CenterPoint Energy , Inc . Centex Corp . CenturyLink , Inc . Cephalon Inc CF Industries Holdings , Inc . Charles Schwab Corporation Chesapeake Energy Corporation Chevron Corporation Chubb Corporation Ciena Corporation Cigna Corporation Cincinnati Financial Corporation Cintas Corporation Cisco Systems , Inc . CIT Group Inc . ( Old ) Citigroup Inc . Citrix Systems , Inc . Clorox Company CME Group Inc . Class A CMS Energy Corporation Coach , Inc . Coca - Cola Company Coca - Cola Enterprises , Inc . Cognizant Technology Solutions Corporation Class A Colgate - Palmolive Company Comcast Corporation Class A Comerica Incorporated Computer Sciences Corporation Compuware Corporation ConAgra Foods , Inc . ConocoPhillips CONSOL Energy Inc . Consolidated Edison , Inc . Constellation Brands , Inc . Class A Constellation Energy Group Inc . Convergys Corporation Cooper Industries PLC CI A Corning Incorporated Costco Wholesale Corporation Coventry Health Care Inc . Covidien Plc CSX Corporation Cummins Inc . CVS Health Corporation D . R . Horton , Inc . Danaher Corporation Darden Restaurants , Inc . DaVita Health Care Partners Inc . Dean Foods Company Deere & Company Dell Inc . DENTSPLY International Inc . Developers Diversified Realty Corp . Devon Energy Corporation DirecTV Group Inc .
Discover Financial Services Dominion Resources , Inc . Dover Corporation Dow Chemical Company Dr Pepper Snapple Group , Inc . DTE Energy Company Duke Energy Corporation Dun & Bradstreet Corporation Dynegy Inc . E * TRADE Financial Corporation E . I . du Pont de Nemours and Company Eastman Chemical Company Eastman Kodak Company Eaton Corp . eBay Inc . Ecolab Inc . Edison International El Paso Corp . Electronic Arts Inc . Eli Lilly and Company Embarq Corp . EMC Corporation Emerson Electric Co . Ensco plc Entergy Corporation EOG Resources , Inc . Equifax Inc . Equitable Resources Inc . Equity Residential Estee Lauder Companies Inc . Class A Exelon Corporation Expedia , Inc . Expeditors International of Washington , Inc . Express Scripts Holding Company Exxon Mobil Corporation Family Dollar Stores , Inc . Fastenal Company Federated Investors , Inc . Class B FedEx Corporation Fidelity National Information Services , Inc . Fifth Third Bancorp First Horizon National Corporation FirstEnergy Corp . Fiserv , Inc . Flowserve Corporation Fluor Corporation Ford Motor Company Forest Laboratories , Inc . Fortune Brands Inc . FPL Group Inc . Franklin Resources , Inc . Freeport - McMo Ran , Inc . Frontier Communications Corporation Class B GameStop Corp . Class A Gannett Co . , Inc . Gap , Inc . General Dynamics Corporation General Electric Company General Mills , Inc . General Motors Corporation Genuine Parts Company Genworth Financial , Inc . Class A Genzyme Corp . Gilead Sciences , Inc . Goldman Sachs Group , Inc . Goodrich Corp . Goodyear Tire & Rubber Company Google Inc . Class A Graham Holdings Co . H & R Block , Inc . H . J . Heinz Company
Halliburton Company Harley - Davidson , Inc . Harman International Industries , Incorporated Harris Corporation Hartford Financial Services Group , Inc . Hasbro , Inc . HCP , Inc . Hershey Company Hess Corporation Hewlett - Packard Company Home Depot , Inc . Honeywell International Inc . Hospira , Inc . Host Hotels & Resorts , Inc . Hudson City Bancorp , Inc . Humana Inc . Huntington Bancshares Incorporated Illinois Tool Works Inc . IMS Health Inc . Ingersoll - Rand Plc Integrys Energy Group , Inc . Intel Corporation IntercontinentalExchange , Inc . International Business Machines Corporation International Flavors & Fragrances Inc . International Game Technology International Paper Company Interpublic Group of Companies , Inc . Intuit Inc . Intuitive Surgical , Inc . Invesco Ltd . ITT Corporation J . C . Penney Company , Inc . J . M . Smucker Company Jabil Circuit , Inc . Jacobs Engineering Group Inc . Janus Capital Group Inc . JDS Uniphase Corporation Johnson & Johnson Johnson Controls , Inc . Jones Apparel Group Inc . JPMorgan Chase & Co . Juniper Networks , Inc . KB Home Kellogg Company KeyCorp Kimberly - Clark Corporation Kimco Realty Corporation King Pharmaceuticals KLA - Tencor Corporation Kohl ' s Corporation Kraft Foods Inc . Kroger Co . L - 3 Communications Holdings , Inc . Laboratory Corporation of America Holdings Legg Mason , Inc . Leggett & Platt , Incorporated Lennar Corporation Class A Leucadia National Corporation Lexmark International , Inc . Class A Life Technologies Corporation Limited Brands Inc . Lincoln National Corporation Linear Technology Corporation Lockheed Martin Corporation Loews Corporation Lorillard , Inc . Lowe ' s Companies , Inc . LSI Corporation M & T Bank Corporation Macy ' s Inc
APPENDIX 2 - continued Example MMACC embodiments ( 5 years of dividends )
2008 Tranche - 5 Year Maturity
2009 - 2013 Dividend Income Row
Y2 Yi Divs P / S *
Yi Div $ Rec ' d
Divs Y2Y3
Div $ Divs Rec ' d P / S *
Y3 Div $ Rec ' d
Y4 Divs P / S *
Y4Y5 Div $ Divs Rec ' d
Y5 Div $ Rec ' d Company Name P / S * P / S *
0 3 , 682 105 , 792
1 , 269 207 , 009 23 , 273 173 , 900
8 , 125 361
11 , 390 10 , 754 12 , 826
540 13 , 423 19 , 860 18 , 936
642 4 , 976
197 , 072 25 , 038
0 7 , 136
11 , 390 25 , 831 10 , 584
933 112 , 646
1 , 269 186 , 308 25 , 213 189 , 427
8 , 125 361
11 , 549 10 , 754 5 , 344 864
13 , 738 20 , 147 21 , 303
642 5 , 474
216 , 024 25 , 038 30 , 109 5 , 735
18 , 712 26 , 608 14 , 674
0 0
47 , 011 2 , 432
208 , 799 17 , 990
8 , 182
. SIE EINE ZERBITZ
0 120 , 692
1 , 269 207 , 009 25 , 213
218 , 928 8 , 125 361
11 , 707 10 , 754 15 , 364 1 , 727
14 , 243 20 , 147 23 , 670
642 6 , 966
235 , 662 27 , 653 10 , 337 2 , 294
23 , 593 26 , 608 17 , 560
0 126 , 801
1 , 269 227 , 710 25 , 213 251 , 534
8 , 202 361
11 , 865 10 , 754 20 , 708 3 , 023
14 , 747 20 , 723 26 , 037
642 7 , 763
253 , 330 12 , 519 36 , 484 36 481
133 , 506 1 , 269
248 , 410 25 , 213 277 , 930
8 , 521 361
7 , 416 11 , 138 22 , 979
3 , 562 15 , 251 21 , 155 28 , 404
642 9 . 753
271 , 146 0
7 , 376 0
0
88081 . .
26 , 034 27 , 579 21 , 168
0 0
61 , 305 4 , 134 4 , 426
0 8 , 182 1 , 200
28 , 149 27 , 968 24 , 777
1 , 230 0
82 , 588 7 , 296 4 , 726
0 8 , 182
1 , 200
Pepsi Bottling PepsiCo , Inc . PerkinElmer , Inc . Pfizer Inc . PG & E Corporation Philip Morris International Inc . Pinnacle West Capital Corporation Pioneer Natural Resources Company Pitney Bowes Inc . Plum Creek Timber Company , Inc . PNC Financial Services Group , Inc . Polo Ralph Lauren Corp . PPG Industries , Inc . PPL Corporation Praxair , Inc . Precision Castparts Corp . Principal Financial Group , Inc . Procter & Gamble Company Progress Energy Inc . Progressive Corporation Prologis Prudential Financial , Inc . Public Service Enterprise Group Incorporated Public Storage PulteGroup , Inc . QLogic Corporation QUALCOMM Incorporated Quest Diagnostics Incorporated Questar Corporation Qwest Communications International Inc R . R . Donnelley & Sons Company RadioShack Corporation Range Resources Corporation Raytheon Company Regions Financial Corporation Republic Services , Inc . Reynolds American Inc . Robert Half International Inc . Rockwell Automation , Inc . Rockwell Collins , Inc . Rohm & Haas Co . Rowan Cos . Plc Class A Ryder System , Inc . Safeway Inc . salesforce . com , inc . SanDisk Corporation Sara Lee Corp . Schering - Plough Corp . Schlumberger NV Scripps Networks Interactive , Inc . Class A Sealed Air Corporation Sears Holdings Corporation Sempra Energy Sherwin - Williams Company Sigma - Aldrich Corporation Simon Property Group , Inc . SLM Corp Smith International Snap - on Incorporated Southern Company Southwest Airlines Co . Southwestern Energy Company Sovereign Bancorp Inc . Spectra Energy Corp Sprint Nextel Corporation St . Jude Medical , Inc . Staples , Inc . Starbucks Corporation Starwood Hotels & Resorts Worldwide , Inc . State Street Corporation Stericycle , Inc .
Stryker Corporation Sun Microsystems Sunoco Inc . SunTrust Banks , Inc . SUPERVALU INC . Symantec Corporation Sysco Corporation T . Rowe Price Group Target Corporation TECO Energy , Inc . Tellabs , Inc . Tenet Healthcare Corporation Teradata Corporation Teradyne , Inc . Tesoro Corporation Texas Instruments Incorporated Textron Inc . The Stanley Works Thermo Fisher Scientific Inc . Tiffany & Co . Time Warner Inc . Titanium Metals Corp . TJX Companies , Inc . Torchmark Corporation Total System Services , Inc . Travelers Companies , Inc . Tyco Electronics Ltd . Tyco International Ltd . Tyson Foods , Inc . Class A U . S . Bancorp Union Pacific Corporation United Parcel Service , Inc . Class B United States Steel Corporation United Technologies Corporation UnitedHealth Group Incorporated Unum Group UST Inc . V . F . Corporation Valero Energy Corporation Varian Medical Systems , Inc . VeriSign , Inc . Verizon Communications Inc Viacom Inc . Class B Vornado Realty Trust Vulcan Materials Company W . W . Grainger , Inc . Walgreen Co . Wal - Mart Stores , Inc . Walt Disney Company Waste Management , Inc . Waters Corporation Watson Pharmaceuticals Inc . Weatherford International Ltd . WellPoint , Inc . Wells Fargo & Company Western Union Company Weyerhaeuser Company Whirlpool Corporation Whole Foods Market , Inc . Williams Companies , Inc . Windstream Corp . Wisconsin Energy Corporation Wyeth Wyndham Worldwide Corporation Wynn Resorts , Limited Xcel Energy Inc . Xerox Corporation Xilinx , Inc . XL Capital Ltd . XTO Energy Inc Yahoo ! Inc .
* Split adjusted for consistency * * - Companies that stop trading have their cash balances carried forward
APPENDIX 3 Example MMACC embodiments ( liquidation Dec . 31 , 2013 )
2008 Tranche - 5 Year Maturity Liquidation ( Dec . 31 , 2013 )
Y5 Ending Valuation
Price Y5
$ MV Company Name As Of : * *
595 , 740 , 879 Sum : 3M Company Abbott Laboratories Abercrombie & Fitch Co . Class A Adobe Systems Incorporated Advanced Micro Devices , Inc . AES Corporation Aetna Inc . Affiliated Computer Services Inc . CI A Aflac Incorporated Agilent Technologies , Inc . Air Products and Chemicals , Inc . AK Steel Holding Corporation Akamai Technologies , Inc . Alcoa Inc . Allegheny Energy Allegheny Technologies Incorporated Allergan , Inc . Allstate Corporation Altera Corporation Altria Group , Inc . Amazon . com , Inc . Ameren Corporation American Capital , Ltd . American Electric Power Company , Inc . American Express Company American International Group , Inc . American Tower Corporation Ameriprise Financial , Inc . AmerisourceBergen Corporation Amgen Inc . Amphenol Corporation Class A Anadarko Petroleum Corporation Analog Devices , Inc . Aon plc Apache Corporation Apartment Investment and Management Company C Apollo Education Group , Inc . Class A Apple Inc . Applied Materials , Inc . Archer - Daniels - Midland Company Assurant , Inc . AT & T Inc . Autodesk , Inc . Automatic Data Processing , Inc . AutoNation , Inc . AutoZone , Inc . AvalonBay Communities , Inc . Avery Dennison Corporation Avon Products , Inc . Baker Hughes Incorporated Ball Corporation
Example MMACC embodiments ( liquidation Dec . 31 , 2013 ) 2008 Tranche - 5 Year Maturity Liquidation ( Dec . 31 , 2013 )
Y5 Ending Valuation
Price Y5
Company Name As Of : * * $ MV
Bank of America Corporation Bank of New York Mellon Corporation Baxter International Inc . BB & T Corporation Becton , Dickinson and Company Bed Bath & Beyond Inc . Bemis Company , Inc . Best Buy Co . , Inc . Big Lots , Inc . Biogen Idec Inc . BJ Services Co Black & Decker Corporation BMC Software , Inc . Boeing Company Boston Properties , Inc . Boston Scientific Corporation Bristol - Myers Squibb Company Broadcom Corporation Class A Brown - Forman Corporation Class B Burlington Northern C . R . Bard , Inc . C . H . Robinson Worldwide , Inc . CA , Inc . Cabot Oil & Gas Corporation Cameron International Corporation Campbell Soup Company Capital One Financial Corporation Cardinal Health , Inc . Carnival Corporation Caterpillar Inc . CB Richard Ellis Group Inc . CBS Corporation Class B Celgene Corporation CenterPoint Energy , Inc . Centex Corp . CenturyLink , Inc . Cephalon Inc CF Industries Holdings , Inc . Charles Schwab Corporation Chesapeake Energy Corporation Chevron Corporation Chubb Corporation Ciena Corporation Cigna Corporation Cincinnati Financial Corporation Cintas Corporation Cisco Systems , Inc . CIT Group Inc . ( Old ) Citigroup Inc . Citrix Systems , Inc . Clorox Company CME Group Inc . Class A CMS Energy Corporation Coach , Inc . Coca - Cola Company Coca - Cola Enterprises , Inc . Cognizant Technology Solutions Corporation Class A Colgate - Palmolive Company Comcast Corporation Class A Comerica Incorporated Computer Sciences Corporation Compuware Corporation ConAgra Foods , Inc . ConocoPhillips CONSOL Energy Inc . Consolidated Edison , Inc . Constellation Brands , Inc . Class A Constellation Energy Group Inc . Convergys Corporation Cooper Industries PLC CI A Corning Incorporated Costco Wholesale Corporation
Example MMACC embodiments ( liquidation Dec . 31 , 2013 ) 2008 Tranche - 5 Year Maturity Liquidation ( Dec . 31 , 2013 )
Y5 Ending Valuation
Price Y5
$ MV Company Name As Of : * *
Coventry Health Care Inc . Covidien Plc CSX Corporation Cummins Inc . CVS Health Corporation D . R . Horton , Inc . Danaher Corporation Darden Restaurants , Inc . DaVita Health Care Partners Inc . Dean Foods Company Deere & Company Dell Inc . DENTSPLY International Inc . Developers Diversified Realty Corp . Devon Energy Corporation DirecTV Group Inc . Discover Financial Services Dominion Resources , Inc . Dover Corporation Dow Chemical Company Dr Pepper Snapple Group , Inc . DTE Energy Company Duke Energy Corporation Dun & Bradstreet Corporation Dynegy Inc . E * TRADE Financial Corporation E . I . du Pont de Nemours and Company Eastman Chemical Company Eastman Kodak Company Eaton Corp . eBay Inc . Ecolab Inc . Edison International EI Paso Corp . Electronic Arts Inc . Eli Lilly and Company Embarq Corp . EMC Corporation Emerson Electric Co . Ensco plc Entergy Corporation EOG Resources , Inc . Equifax Inc . Equitable Resources Inc . Equity Residential Estee Lauder Companies Inc . Class A Exelon Corporation Expedia , Inc . Expeditors International of Washington , Inc . Express Scripts Holding Company Exxon Mobil Corporation Family Dollar Stores , Inc . Fastenal Company Federated Investors , Inc . Class B FedEx Corporation Fidelity National Information Services , Inc . Fifth Third Bancorp First Horizon National Corporation FirstEnergy Corp . Fiserv , Inc . Flowserve Corporation Fluor Corporation Ford Motor Company Forest Laboratories , Inc . Fortune Brands Inc . FPL Group Inc . Franklin Resources , Inc . Freeport - McMoRan , Inc . Frontier Communications Corporation Class B GameStop Corp . Class A Gannett Co . , Inc . Gap , Inc .
APPENDIX 3 - continued Example MMACC embodiments ( liquidation Dec . 31 , 2013 )
2008 Tranche - 5 Year Maturity Liquidation ( Dec . 31 , 2013 )
Y5 Ending Valuation
Price Y5
$ MV Company Name As Of : * *
General Dynamics Corporation General Electric Company General Mills , Inc . General Motors Corporation Genuine Parts Company Genworth Financial , Inc . Class A Genzyme Corp . Gilead Sciences , Inc . Goldman Sachs Group , Inc . Goodrich Corp . Goodyear Tire & Rubber Company Google Inc . Class A Graham Holdings Co . H & R Block , Inc . H . J . Heinz Company Halliburton Company Harley - Davidson , Inc . Harman International Industries , Incorporated Harris Corporation Hartford Financial Services Group , Inc . Hasbro , Inc . HCP , Inc . Hershey Company Hess Corporation Hewlett - Packard Company Home Depot , Inc . Honeywell International Inc . Hospira , Inc . Host Hotels & Resorts , Inc . Hudson City Bancorp , Inc . Humana Inc . Huntington Bancshares Incorporated Illinois Tool Works Inc . IMS Health Inc . Ingersoll - Rand Plc Integrys Energy Group , Inc . Intel Corporation IntercontinentalExchange , Inc . International Business Machines Corporation International Flavors & Fragrances Inc . International Game Technology International Paper Company Interpublic Group of Companies , Inc . Intuit Inc . Intuitive Surgical , Inc . Invesco Ltd . ITT Corporation J . C . Penney Company , Inc . J . M . Smucker Company Jabil Circuit , Inc . Jacobs Engineering Group Inc . Janus Capital Group Inc . JDS Uniphase Corporation Johnson & Johnson Johnson Controls , Inc . Jones Apparel Group Inc . JPMorgan Chase & Co . Juniper Networks , Inc . KB Home Kellogg Company KeyCorp Kimberly - Clark Corporation Kimco Realty Corporation King Pharmaceuticals KLA - Tencor Corporation Kohl ' s Corporation Kraft Foods Inc . Kroger Co . L - 3 Communications Holdings , Inc . Laboratory Corporation of America Holdings Legg Mason , Inc . Leggett & Platt , Incorporated
APPENDIX 3 - continued Example MMACC embodiments ( liquidation Dec . 31 , 2013 )
2008 Tranche - 5 Year Maturity Liquidation ( Dec . 31 , 2013 )
Y5 Ending Valuation
Price Y5
Company Name As Of : * * $ MV
Southern Company Southwest Airlines Co . Southwestern Energy Company Sovereign Bancorp Inc . Spectra Energy Corp Sprint Nextel Corporation St . Jude Medical , Inc . Staples , Inc . Starbucks Corporation Starwood Hotels & Resorts Worldwide , Inc . State Street Corporation Stericycle , Inc . Stryker Corporation Sun Microsystems Sunoco Inc . Sun Trust Banks , Inc . SUPERVALU INC . Symantec Corporation Sysco Corporation T . Rowe Price Group Target Corporation TECO Energy , Inc . Tellabs , Inc . Tenet Healthcare Corporation Teradata Corporation Teradyne , Inc . Tesoro Corporation Texas Instruments Incorporated Textron Inc . The Stanley Works Thermo Fisher Scientific Inc . Tiffany & Co . Time Warner Inc . Titanium Metals Corp . TJX Companies , Inc . Torchmark Corporation Total System Services , Inc . Travelers Companies , Inc . Tyco Electronics Ltd . Tyco International Ltd . Tyson Foods , Inc . Class A U . S . Bancorp Union Pacific Corporation United Parcel Service , Inc . Class B United States Steel Corporation United Technologies Corporation United Health Group Incorporated Unum Group UST Inc . V . F . Corporation Valero Energy Corporation Varian Medical Systems , Inc . VeriSign , Inc . Verizon Communications Inc . Viacom Inc . Class B Vornado Realty Trust Vulcan Materials Company W . W . Grainger , Inc . Walgreen Co . Wal - Mart Stores , Inc . Walt Disney Company Waste Management , Inc . Waters Corporation Watson Pharmaceuticals Inc . Weatherford International Ltd . WellPoint , Inc . Wells Fargo & Company Western Union Company Weyerhaeuser Company Whirlpool Corporation Whole Foods Market , Inc . Williams Companies , Inc .
* - Split adjusted for consistency * * Companies that stop trading have their cash balances carried forward
What is claimed is : a stream value interface for reading stream values of the 1 . A processor - readable non - transient value stream user 25 value stream data structure ;
interface component medium storing processor - issuable and a display region for display of any the mechanisms . instructions , for access by a processor - executable program 2 . The processor - readable non - transient value stream user component to provide a ( n ) datastructure value stream , com interface component medium of claim 1 storing processor prising :
a processor - operable capital structure component interac - 30 issuable instructions for allocating a portion of each of a tion - interface stored in the medium , the interaction plurality of a stock ' s return to different funds , said different interface having a plurality of interaction - interface funds being correlated to said income generation compo mechanisms , wherein the processor - issuable instruc nent , said growth and income generation component , and tions embody the interaction - interface mechanisms and said capital appreciation component .
3 . The processor - readable non - transient value stream user associated data , including : a specification interface mechanism to specify a capital interface component medium storing processor - issuable
instructions of claim 1 , wherein the stream value interface structure component class for a capital structure com ponent data structure ; may stream various equity component constituents and
an interaction interface mechanism to specify slice type assessing appropriate allocation to said income generation subcomponents of the capital structure component data 40 40 component , said growth and income generation component , structure including : and said capital appreciation component .
income generation components , growth and income gen 4 . The processor - readable non - transient value stream user interface component medium storing processor - issuable eration components , and a capital appreciation compo instructions of claim 1 , wherein the capital appreciation nent ( s ) ;
a widget interface mechanism to initiate generation of a 45 com a 45 component comprises one or more of a UIT allocation sub - component , a CLO and CEO allocation sub - component value stream data structure , wherein engagement of the
widget interface : and an ETF sub - component . effectuates population of the capital structure component 5 . The processor - readable non - transient value stream user
data structure , interface component medium storing processor - issuable effectuates population of each slice type subcomponent 50 + 50 instructions of claim 1 , wherein the preferred share class
with assets according to the specification of the slice component comprises one or more of an income share class type subcomponent and according to the specified sub - component and a growth and income sub - component .
6 . The processor - readable non - transient MMACC capital structure component type value stream data structure , medium storing processor - issuable instructions of claim 1 ,
instantiates the value stream data structure and associates 55 W cistes 55 wherein the common share class component comprises a the value stream data structure to the values in the capital appreciation share class sub - component . capital structure component data structure ; and * * *