A rental real property converting method for seniors includes the steps of (a) executing a preliminary sale agreement between the seniors as conditional purchasers and a seller of the rental real property; (b) converting apartments of the rental real property into a plurality of condominium properties that a sole ownership of the rental real property is converted into multiple ownerships for sale units, wherein a market value of each of the condominium properties must be higher than a sale price of the corresponding to apartment of the rental real property; and (c) selling the condominium property to the respective conditional purchaser, wherein an amount of the “reverse mortgage” loan, in responsive to the market value of the respective condominium property, is pre-arranged for paying off the corresponding apartment of the rental real property at the sale price thereof and a conversion cost of the corresponding apartment.

Methods and systems consistent with the present invention overcome the shortcomings of existing trading systems by providing an invoiceless trading system that creates incentives for customers to pay suppliers within a predetermined period of time, such as a settlement period. Specifically, the invoiceless trading system enables a customer to obtain a discount on orders placed with suppliers in return for an immediate payment (e.g., within 24 hours) by the customer. The supplier receives payment within the predetermined period of time, and the customer receives additional cash benefits by providing an early payment to the supplier. To communicate with and transfer funds between customers and suppliers, the invoiceless trading system may use an electronic gateway and a settlement bank. In addition to creating an incentive to embrace e-commerce, both customers and suppliers avoid the need to manually process orders and use invoices to complete transactions.

A system and a method of global electronic job market in the Internet are provided. The method of operating of a global electronic job market for jobseekers and employers via the Internet includes: registering the jobseekers and the employers; creation of the structured database of offers of employers and a database information about jobseekers on the basis of the International Classification of Specialities and on the basis of the International Classification of Job Positions; creation of requests of jobseekers for search of the necessary information in the database of offers of employers; creation of requests of employers for search of the necessary information in the database information about jobseekers; providing of searching of the necessary information according to requests, specified above, in appropriate databases; providing of jobseekers by the list of offers from employers, acceptable for them, which are available in the database; providing of employers by the list of offers from jobseekers, acceptable for them, which are available in the database; a choice of partners in employment out of the presented lists; holding competitions for job vacancies (tenders); conclusion of job contracts between jobseekers and employers; providing of additional services of the system of global electronic job market.

A method of managing cargo investments and tracking shipments is used as a means for investors to earn money from the profits of individual cargo shipments. The method is performed by a system which includes a personal computing device, at least one server and a plurality of onboard shipment computing devices. The remote server manages an investor profile and a plurality of shipment vehicle profiles. The personal computing device is linked to the investor profile and is used to send an investment contract to the remote server. The remote server assigns the investor profile to at least one investment vehicle profile which is linked to a corresponding onboard shipment computing device. The corresponding onboard shipment computing device monitors a shipment status for the investment vehicle profile. Upon receiving a shipping payment with the remote server, an investor payout is calculated and transferred to the investor profile with the remote server.

Methods, systems and apparatus for determining a proposed cost for use of sensor resources and selecting a method of processing of sensed data are presented. Such a method includes the steps of: predicting a state of an environment, obtaining at least one criterion related to the use of the sensor resources comprising one or more data sensors, determining the proposed cost for use of the sensor resources, acquiring the sensed data from the one or more data sensors, determining a characteristic of the sensed data, and selecting the method of processing the sensed data according to the determined characteristic and the predicted state. The at least one criterion is based upon the predicted state. The determining of the proposed cost is based on the at least one criterion. One or more of steps are implemented on the processor device.

A system and method for rapid evaluation of raw material price risk mitigation contracts aided by simulations driven by an end-user's selection of a settlement parameter, which enable transparent and quick evaluations of one or more contracts. The simulations are presented on a user interface that provides for a unique communication of information relevant to the one or more contracts. An end-user's selection of a settlement parameter is enabled by a digital slider, the actuation of which presents updated simulations in substantially real-time.

A device receives image data of a contractual document that includes an offer including terms of a proposed transaction, converts the image data to text data that identifies text within the contractual document, and receives preferences information for a recipient of the offer. The device identifies key terms within the contractual document by using term identification to analyze the text. The key terms may include a first key term that identifies subject matter of the proposed transaction and other key terms that are part of the offer. The device determines term scores that correspond to likelihoods of the other key terms being favorable to the recipient by using a data model to analyze the key terms and the preferences information. The device, based on the term scores, generates and provides another device with a recommendation to be used in determining whether the accept the offer.

A non-transitory computer readable medium comprising computer executable instructions stored thereon that, when executed by a processor in a source system, cause the processor to receive a smart contract from a customer in a blockchain, the smart contract having a service criteria and a cost for a service and receive automated bids from a plurality of providers, the plurality of providers having access to the blockchain. Additionally, the instructions, when executed by the processor in the source system, further cause the processor to negotiate the smart contract between the customer and a provider based on the ability of the provider to perform the service according to the service criteria and the cost, execute the smart contract for the service between the customer and the provider that matches the service criteria at a lowest cost, and record the smart contract and the negotiations between the customer and the provider.

Examples described herein relate to a system including a BC network associated with a plurality of entities in a defined geographic scope. A first entity of the plurality of entities includes a connected vehicle that generates vehicular data. The BC network is governed by a smart contract. The smart contract includes a data sharing policy defined by a user of the connected vehicle, wherein the data sharing policy allows the user of the connected vehicle to selectively share the vehicular data with one or more other entities of the plurality of entities.

A system and method in various embodiments implements a virtual spectrum band stacking technique facilitating spectrum sharing by converting and combining spectrum bands consisting of several different RF channels, common air interfaces, and radio channel protocols in the radio frequency channel domain to form IP Virtual Radio Channels (IP-VRCs) in the packet data domain. This virtual spectrum stacking technique combines the transmissions of contiguous and non-contiguous RF channels with differing physical layers into IP-VRCs. This technique enables simultaneous parallel high-speed wireless transmission; virtual radio channel hopping for enhanced security; and customized security schemes for different IP-VRC Groups. The deployment of the combination of IP-VRC Groups; Universal “Small Cell” Base Stations; and Universal Wireless End-Point Devices allows the aggregation of all available spectrum bands for use within a building environment. Some benefits of this deployment include expansion of spectrum utilization, service quality, security, applications and transmission throughput for wireless end-point devices.