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Patent application title: SYSTEMS AND METHODS FOR AUTOMATED VENDOR RISK ANALYSIS
James B. Arnold (Greensboro, NC, US)
IPC8 Class: AG06Q4000FI
USPC Class:
705 39
Class name: Automated electrical financial or business practice or management arrangement finance (e.g., banking, investment or credit) including funds transfer or credit transaction
Publication date: 2009-01-08
Patent application number: 20090012896
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Systems and methods for automated vendor risk analysis are described. In
one described method for automated vendor risk analysis, an analyzer
receives payment transaction data associated with a vendor, compares the
payment transaction data to a plurality of vendor fraud control measures,
identifies the vendor or transaction associated with the payment
transaction data as potentially fraudulent, and generates a notification
regarding the potentially fraudulent vendor or transaction.
1. A method comprising:receiving payment transaction data associated with
a vendor;comparing the payment transaction data to a plurality of vendor
fraud control measures;identifying the vendor or the transaction
associated with the payment transaction data as potentially fraudulent;
andgenerating a notification regarding the potentially fraudulent vendor
or transaction.
2. The method of claim 1, wherein identifying the vendor or the transaction as potentially fraudulent comprises:determining a vendor fraud risk score based in part on the comparison between the payment transaction data and the plurality of vendor fraud control measures;comparing the vendor fraud risk score to a vendor fraud risk threshold; andidentifying the vendor or transaction as potentially fraudulent if the vendor fraud risk score exceeds the vendor fraud risk threshold.
3. The method of claim 1, wherein the plurality of vendor fraud control measures comprises at least two of: a government list of prohibited persons and organizations, an address, a travel and expense, file, a list of scam vendors, or an invoice file.
4. The method of claim 1, wherein the vendor fraud risk score is associated with an instance of billing fraud, check tampering, or expense reimbursement.
5. The method of claim 1, wherein identifying the vendor or transaction associated with the payment transaction data as potentially fraudulent comprises flagging a plurality of categories of fraud associated with the payment transaction data.
6. The method of claim 5, further comprising comparing the flagged plurality of categories to supporting data.
7. The method of claim 6, wherein the supporting data comprises at least one of invoice data and payment data.
8. The method of claim 1, wherein generating a notification regarding the potentially fraudulent vendor comprises generating a vendor fraud flags report.
9. The method of claim 1, wherein the payment transaction data comprises vendor attributes and invoice attributes.
10. A computer-readable medium comprising executable program code, the computer-readable medium comprising:program code for receiving payment transaction data associated with a vendor;program code for comparing the payment transaction data to a plurality of vendor fraud control measures;program code for identifying the vendor or the transaction associated with the payment transaction data as potentially fraudulent; andprogram code for generating a notification regarding the potentially fraudulent vendor or transaction.
11. The computer-readable medium of claim 10, wherein program code for identifying the vendor or transaction as potentially fraudulent comprises:program code for determining a vendor fraud risk score based in part on the comparison between the payment transaction data and the plurality of vendor fraud control measures;program code for comparing the vendor fraud risk score to a vendor fraud risk threshold; andprogram code for identifying the vendor or transaction as potentially fraudulent if the vendor fraud risk score exceeds the vendor fraud risk threshold.
12. The computer-readable medium of claim 10, wherein program code for identifying the vendor or transaction associated with the payment transaction data as potentially fraudulent comprises program code for flagging a plurality of categories of fraud associated with the payment transaction data.
13. The computer-readable medium of claim 12, further comprising program code for comparing the flagged plurality of categories to supporting data.
14. The computer-readable medium of claim 10, wherein program code for generating a notification regarding the potentially fraudulent vendor comprises program code for generating a vendor fraud flags report.
15. A method comprising:receiving input data comprising at least one of Enterprise Resource Planning data, payment file data, logistics data, or production data;aggregating the input data;performing a pattern match;scrubbing the input data to create scrubbed data;performing an address match to eliminate at least some duplicates in the scrubbed data;comparing the scrubbed data to a common directory to identify discrepancies for a vendor; andidentifying the vendor or transaction as potentially fraudulent based on the identified discrepancies.
16. A computer-readable medium comprising executable program, the computer-readable medium comprising:program code for receiving input data comprising at least one of Enterprise Resource Planning data, payment file data, logistics data, or production data;program code for aggregating the input data;program code for performing a pattern match program code for scrubbing the input data to create scrubbed data;program code for performing an address match to eliminate at least some duplicates in the scrubbed data;program code for comparing the scrubbed data to a common directory to identify discrepancies for a vendor; andprogram code for identifying the vendor or transaction as potentially fraudulent based on the identified discrepancies.
[0001]This application claims priority to U.S. Provisional Patent Application No. 60/751,200, filed Dec. 16, 2005, entitled "Systems and Methods for Automated Vendor Risk Analysis," the entirety of which is hereby incorporated by reference.
[0002]This invention relates generally to systems and methods for vendor fraud detection. More particularly, embodiments of this invention relate to systems and methods for automated vendor risk analysis.
[0003]In order to acquire the resources a company needs to function, the company must deal with a variety of vendors. In the case of large, multi-national corporations, the list of vendors with which the company deals may reach into the tens of thousands. And the company may add hundreds of vendors to its vendor list every day.
[0004]In such an environment, it can be difficult to identify fraudulent or potentially fraudulent vendors. And when they are identified, it may be too late to effectively respond. Despite the difficulty in identifying potentially fraudulent vendors in a timely manner, companies must have a duty to do so. This duty arises due to various factors. The officers and board of a company have a fiduciary duty to adequately safeguard the company's resources. In addition, the Sarbanes-Oxley regulations require that a company have an anti-fraud program in place. Section 404(a) of the Sarbanes-Oxley Act addresses management's responsibility for establishing and maintaining adequate internal controls to minimize exposure to abuse. Sarbanes-Oxley has added pressure to control and monitor initial and continuing vendor transactions.
[0005]Responsibility for monitoring and other aspects of an anti-fraud program typically rests with a compliance officer or Chief Financial Officer (CFO). The compliance officer or CFO performs, or more typically, has one of his or her subordinates perform, various simplistic automated and manual processes in an effort to identify potentially fraudulent vendors. However, these conventional processes are insufficient to cope with the speed at which vendors are added to the mix. Service providers, such as eCustoms of Buffalo, N.Y. (www.ecustoms.com), provide niche services to deal with some aspects of vendor authentication. Credit card companies typically utilize fraud detection schemes to detect fraudulent use of a consumer's credit card. For example, a transaction may be flagged as potentially fraudulent if the amount of a transaction or of several closely spaced transactions exceeds a predetermined threshold or if a transaction occurs in an unexpected locale.
[0006]In addition, U.S. Application Publication Nos. 2003/0097330 and 2003/0069820 disclose systems and methods for detecting fraudulent transactions between a vendor and a customer. The systems and methods disclosed in these patent applications examine parameters of the transaction under examination as well as prior non-fraudulent transactions to determine the likelihood that the present transaction is fraudulent.
[0007]Efficient methods and systems for automated vendor risk analysis are needed.
[0008]Embodiments of this invention-provide systems and methods for automated vendor risk analysis. In one embodiment, a method for automated vendor risk analysis comprises receiving payment transaction data associated with a vendor, comparing the payment transaction data to a plurality of vendor fraud control measures, identifying the vendor or transaction associated with the payment transaction data as potentially fraudulent, and generating a notification regarding the potentially fraudulent transaction or vendor. In another embodiment, a computer-readable medium (such as, for example random access memory or a computer disk) comprises code for carrying out such a method.
[0009]These illustrative embodiments are mentioned not to limit or define the invention, but to provide examples to aid understanding thereof. Illustrative embodiments are discussed in the Detailed Description, and further description of the invention is provided there.
[0010]Advantages offered by the various embodiments of this invention may be further understood by examining this specification.
[0011]These and other features, aspects, and advantages of the this invention are better understood when the following Detailed Description is read with reference to the accompanying drawings, wherein:
[0012]FIG. 1 is a block diagram of an illustrative environment for implementation of an embodiment of this invention;
[0013]FIG. 2 is a flow chart illustrating a process for receiving and normalizing data in one embodiment of this invention;
[0014]FIG. 3 is a flowchart illustrating a process of vendor verification in one embodiment of this invention;
[0015]FIG. 4 is a diagram illustrating a process and system for vendor verification in one embodiment of this invention;
[0016]FIG. 5 is a table illustrating a Benford analysis performed by an analytical engine 116 in one embodiment of this invention;
[0017]FIG. 6 is a table illustrating various fraud flags and risk scores in one embodiment of this invention; and
[0018]FIG. 7 is a screen shot illustrating a report creation user interface in one embodiment of this invention.
[0019]Embodiments of this invention provide systems and methods for automated vendor risk analysis.
Illustrative Vendor Verification
[0020]In one illustrative embodiment of this invention, a service provider leverages both technology and skilled scrutiny to isolate and report high-risk situations and transactions. Using an analytical engine implemented in software, the service provider analyzes client-provided vendor data to identify vendors with high-risk characteristics. The service provider may provide a report, such as the Vendor Verification Report shown in Appendix A.
[0021]Initial examination is via automated software routines. The set of vendors reviewed can be determined based on the company's spending with the vendor. A threshold can also be established according to the risk points assessed to the vendor. The result is a fraud flag report that lists vendors according to the spend and risk point thresholds set.
[0022]The software highlights vendors that (i) cannot be authenticated via public directories, and (ii) vendors associated with additional high risk indicators, such as appearance on government compliance and enforcement watch lists, vendors submitting invoices having consecutive numbering or even dollar amounts, or a series of invoices in which the first payment is small when compared to the average invoice amount. A manual review on the high risk vendors presented on the Vendor Risk Analysis Report may include a review to determine vendors operating out of residential addresses or private mail services, and verification against independently published directories, paid data retrieval services, and/or state incorporation records.
[0023]The system also evaluates consistency in vendor documentation as a means of establishing validity. For instance, vendor documents (i.e. invoices, statements, etc.) are examined for inconsistencies and irregularities. This step in the process minimizes the risk of paying incomplete invoices--another method of submitting invalid invoices.
[0024]In the report shown in Appendix A, five "Residential Vendors" are identified with spending in excess of $100,000 that appear to be sole proprietors operating from a residential address. In addition, two "Government Risk Vendors", which appeared on a government compliance and enforcement watch list. No high-risk vendors below $50,000 were identified.
[0025]In the example shown, using predetermined criteria, the service provider evaluates the organization's vendors based on a scoring system in which a score of 150 signifies a high risk.
[0026]This example is given to introduce the reader to the general subject matter discussed.
[0027]The invention is not limited to this example.
System Description
[0028]FIG. 1 is a block diagram of an illustrative environment for implementation of an embodiment of this invention. In the embodiment shown, an organization utilizes a variety of information systems, including an Enterprise Resource Planning ("ERP") system 102. The ERP system 102 may, for example, manage invoices and payments from the organization's vendors and maintain a vendor master file. The ERP system may also be used to manage the financial functions of the organization. Examples of vendors of ERP systems are SAP, Oracle, and Baan.
[0029]The organization also operates a logistics system 104. The logistics system 104 helps the company perform supply chain management. The logistics system 104 may share or rely on the ERP system 102 vendor file or may comprise an independent vendor file.
[0030]In the embodiment shown in FIG. 1, the organization also operates a production system 106. The production system 106 helps the organization manage the production process, including ordering of supplies as needed and providing information regarding products that are produced for the organization's customers.
[0031]The organization shown also operates other systems 108. These other systems 108 may include information technology ("IT") systems for managing procurement of computers, copier, peripherals, and other equipment. These systems may also include vendor lists and may also contain contract details for various products and services.
[0032]For example, the organization may utilize a copier service. The copier service installs and supports the various copiers used throughout the organization. One of the systems encompassed by the other systems 108 may help to manage the contract with the copier service. For instance, the organization may be entitled to toner as part of the monthly fee for utilizing the copiers. Such details would be captured in the contract-management system.
[0033]In the embodiment shown in FIG. 1, information from each of these systems is fed to a processor 110. The processor 110 utilizes various software programs to aggregate and analyze the data from various systems. These software programs and the processes performed by these software programs are described in detail below.
[0034]The processor 110 communicates with a database 112. The database 112 stores aggregated data as well as information used to analyze the data from the various systems 102-108. For example, in one embodiment, the database 112 includes a directory of vendors that can be used to identify non-fraudulent vendors among vendors identified as high risk, eliminating some false positives. Other types of information may also be stored in the database 112.
[0035]The processor 110 includes two programs or sets of programs, a data aggregator 114 and an analytical engine 116. Although described in terms of software, these components may be implemented as hardware, firmware, or some combination or hardware, software, and firmware. These components may also be executed on multiple processors, independently of one another.
[0036]The processor 110 shown comprises a computer-readable medium, such as a random access memory (RAM) (not shown) coupled to the processor 110. The processor 110 executes computer-executable program instructions stored in memory, such as the analytical engine 116. Such processors may comprise a microprocessor, an ASIC, and state machines. Such processors comprise, or may be in communication with, media, for example computer-readable media, which stores instructions that, when executed by the processor, cause the processor to perform the steps described herein. Embodiments of computer-readable media include, but are not limited to, an electronic, optical, magnetic, or other storage or transmission device capable of providing a processor, such as the processor 110, with computer-readable instructions. Other examples of suitable media include, but are not limited to, a floppy disk, CD-ROM, DVD, magnetic disk, memory chip, ROM, RAM, an ASIC, a configured processor, all optical media, all magnetic tape or other magnetic media, or any other suitable medium from which a computer processor can read instructions. Also, various other forms of computer-readable media may transmit or carry instructions to a computer, including a router, private or public network, or other transmission device or channel, both wired and wireless. The instructions may comprise code from any suitable computer-programming language, including, for example, C, C++, C#, Visual Basic, Java, Python, Perl, and JavaScript.
[0037]When the analytical engine 116 generates vendor verification information, it may provide this information to a user in a variety of ways. For example, in the embodiments shown in FIG. 1, the analytical engine 116 provides data to a client 118. The client 118 may comprise a computer executing a browser, such as Microsoft's Internet Explorer. Alternatively, the data may be provided to the client 118 as a spreadsheet or multidimensional database that can be accessed and manipulated by a user.
[0038]Client 118 comprises a processor and memory and may also comprise a number of external or internal devices such as a mouse, a CD-ROM, DVD, a keyboard, a display, or other input or output devices. Examples of client 118 are personal computers, digital assistants, personal digital assistants, cellular phones, mobile phones, smart phones, pagers, digital tablets, laptop computers, Internet appliances, and other processor-based devices. In general, a client device 118 may be any type of suitable processor-based platform that is connected to a network or executing software directly and that interacts with one or more application programs. Client 118 may operate on any operating system capable of supporting a browser or browser-enabled application, such as Microsoft® Windows® or Linux. The client 118 shown includes, for example, personal computers executing a browser application program such as Microsoft Corporation's Internet Explorer®, Netscape Communication Corporation's Netscape Navigator®, and Apple Computer, Inc.'s Safarim or reporting and analysis applications, such as Cognos' PowerPlay online analytical processing tool.
[0039]The analytical engine may also generate reports 120. These reports 120 may be in various formats and include varying levels of detail. Examples of the types of reports that may be produced are illustrated by the data and figures provided in the sample report in Appendix A. The analytical engine may also produce other types of reports including other types of data.
Aggregating Disparate Data
[0040]FIG. 2 is a flow chart illustrating a process for receiving and normalizing data in one embodiment of this invention. In the embodiment shown, the data aggregator 114, or another software program, receives data 202. The data may include ERP, logistics, production, or other data from the systems 102-108 shown in FIG. 1.
[0041]The data aggregator 114 then aggregates the data 204. Aggregation of the data may comprise parsing the data and loading it into a single table or set of tables in database 112.
[0042]The data aggregator 206 next scrubs the data, ensuring that all the data is in a consistent format (referred to as "scrubbed data") 206. Scrubbing the data may include, for example, replacing all of the abbreviations in addresses with a standard format. For instance, the abbreviations "dr" and "drv" may be converted to "drive" in the address field of any record containing those abbreviations. Similar scrubbing may occur on other types of data such as name. For instance, "Inc" may be replaced with "Incorporated."
[0043]In the embodiment shown in FIG. 2, the data aggregator 114 next performs an address match to eliminate duplicates in the aggregated data 208. For instance, the same vendor may be listed multiple times with slightly different names but the same address. These various vendor records are linked to a single vendor record so that all invoices or other information associated with this vendor are properly grouped.
[0044]The data aggregator 114 next performs pattern matching to eliminate additional duplicates in the aggregated data 210. Pattern matching may be more inclusive than address matching since address matching may require an exact match between two addresses before the data is considered a match.
[0045]In the embodiment shown, the data aggregator 114 next compares the data to a common directory 212. For instance, a common directory may be compiled for an industry that lists known vendors in the industry. The data may be compared to this directory to identify vendors in the aggregated data with data discrepancies, such as incorrect or incomplete addresses.
[0046]Further steps to clean the data may also be performed. For instance, the data may be compared with different or additional directories. Also, the data may be manually examined for quality assurance or other purposes.
Vendor Verification
[0047]In embodiments of this invention, an application program may include a complex, computer algorithm that is intended to support vendor validation work, as well as become the standard for continuous monitoring of "at risk" vendors. By incorporating fraud knowledge from client embezzlements as well as vendor frauds previously isolated, this application refines the ability to spot questionable vendor activity. The application is capable of flagging vendors that possess certain attributes that in alone, in combination, or in total, indicate a higher propensity for fraud or vendor compliance violations. Risk points may be assigned to each of the various attributes of the vendor or of transactions with the vendor, and are summarized by vendor. The client can customize the risk point allocation for each of the attributes if certain tests should be assigned higher risk based upon their internal control environment. For example, vendors meeting established disbursement levels, and accumulating sufficient risk points may be highlighted for further review. Illustrative tests are described below, and can be performed on a periodic or real-time basis.
[0048]The Vendor Fraud Flags application receives data from a variety of system, such as an ERP system, and aggregates the data. The application then scrubs the aggregated data. The application then examine vendor and invoice attributes of the aggregated data to identify anomalies. Some of the vendor and invoice attributes are examine by conventional systems. However, the conventional systems do not examine the combination of flags examined by the Vendor Fraud Flags application. Nor do the conventional systems calculate a vendor fraud score (APEX score) and compare it to a threshold to identify potentially fraudulent vendors. In addition, feedback may be collected for both vendors and invoices to provide additional information to the application in identifying fraudulent vendors and invoices.
[0049]Embodiments of this invention may also be capable of identifying abusive practices, such as billing for work already paid for (e.g., toner cartridges paid for under a copier lease) and billing in excess of the actual products or services provided (e.g., charging for service on 10,000 items when only 500 were sold).
[0050]FIG. 3 is a flowchart illustrating a process of vendor verification in one embodiment of this invention. The steps shown in FIG. 3 are described as being performed by the analytical engine 116. However, other programs or combinations of programs may perform the steps. These steps may also be performed in a different order and performed independently or as part of an integrated audit of an organization's transactions.
[0051]Vendor verification refers to determining whether a vendor is potentially fraudulent. Fraudulent is used herein to describe activities that may be fraudulent in a legal context or activities that fall outside of parameters set by an organization but do not rise to the standard of fraud. For instance, a potentially fraudulent vendor would include a vendor that erroneously charged for a service included as part of a product purchase. While this erroneous charge may not be willful, it would still cause the vendor to be labeled potentially fraudulent by some embodiments of this invention.
[0052]The analytical engine 116 accesses database 112 to obtain the aggregated data and compares the aggregated data to a directory of valid vendors 302. By comparing the vendors to a list of valid vendors, the analytical engine 116 may be able to eliminate false positives, i.e., identifying a vendor as potentially fraudulent when they are known to be a non-fraudulent vendor. The directory of valid vendors may be specific to one organization. Alternatively, the directory of valid vendors may be applicable to a particular industry or industry segment. In one embodiment, the directory includes a list of valid vendors across multiple industries.
[0053]The analytical engine 116 then evaluates vendor attributes 304. Vendor attributes may be evaluated alone or in combination with other vendor attributes or other types of attributes, such as those described herein. The analytical engine 304 may evaluate a variety of vendor attributes. For example, the analytical engine 116 may search for initials in a vendor's name. If initials are found in the vendor's name, this may indicate a potentially fraudulent vendor. When creating fictitious vendors, embezzlers have been found to use only initials to make it more difficult to track or refute the existence of a vendor.
[0054]The analytical engine 116 may also attempt to determine whether the address contains a PO box. Many fictitious vendors use PO Box addresses. If the vendors hold themselves out as businesses by putting the address on an invoice, the true box holder and physical address can be obtained from the post office. In one embodiment, lock boxes are eliminated from the list of potentially-fraudulent vendors since the use of lockboxes can be very common.
[0055]The analytical engine 116 may also utilize high-risk zip codes in identifying potentially fraudulent vendors. For instance, in one embodiment, the analytical engine 116 accumulates risk points for vendors with addresses in predetermined high-risk zip codes. These high-risk zip codes can be updated by the client or may represent zip codes that have a propensity for fraud, e.g., parts of NY, NJ, California, Miami, border towns near Mexico, etc.
[0056]In one embodiment, the analytical engine 116 also utilizes the country attribute of the vendor, searching for vendors associated with high-risk countries. Countries represented may include the Balkans, Burma, Cuba, Iran, Iraq, Liberia, North Korea, Sudan, Syria, as well as others.
[0057]The analytical engine 116 may also evaluate the address of the vendor to identify multiple vendors as a single address. In one embodiment, the vendor is flagged if other vendors exist at the same address within a vendor list, such as a vendor master, and the vendors listed at a single address appear unrelated, i.e., they do not appear to be duplicate vendors. Specialized reporting may be utilized to view such vendors.
[0058]In one embodiment of this invention, the analytical engine 116 utilizes the address to identify vendors utilizing a private mail service. Private mail services such as Mail Boxes Etc. (now the UPS Store) are often used when creating fictitious vendors to give the appearance of an established company at a viable business address. Although used by legitimate businesses as well, these private mailboxes are usually changed once a business achieves a certain size and stability.
[0059]The analytical engine 116 may use an algorithm to determine whether an address is a residential address, which may constitute a very high risk. For instance, if the dollars disbursed to a residential address become too high to represent an individual contractor working out of his/her house, the information provides a strong indication of potential fraudulent activity. The address may also be used to identify addresses that are prison addresses. Such addresses have been linked to fraudulent activity in a number of cases;
[0060]The analytical engine 116 may also compare the vendor information with payroll or human resource files to identify employee/vendor matches, which may indicate fraudulent vendors. For example, in one embodiment, the vendor addresses and employee addresses are scrubbed to flag matches on address and telephone numbers. The analytical engine 116 may utilize state incorporation records, D&B filings, or other sources, to identify potential conflicts between an employee and vendor. These situations can be difficult to flag.
[0061]In some embodiments of this invention, the analytical engine 116 compares the list of vendors to a list of "scan vendors." These are vendors that have been known to perpetrate scams against businesses, e.g., toner, job listings, etc., and also would include known consumer scams.
[0062]In yet another embodiment of this invention, the analytical engine utilizes information from the Office of Foreign Assets Control (OFAC). The US Department of the Treasury administers and enforces economic and trade sanctions based on US foreign policy and national security goals against targeted foreign countries, terrorists, international narcotics traffickers, and those engaged in activities related to the proliferation of weapons of mass destruction. These policies prohibit U.S. companies & individuals from transacting business with specially designated nationals (SDN). The SDN's are countries, individuals and companies tracked by OFAC, and there are civil and criminal penalties associated with doing business with these SDN's.
[0063]Referring still to FIG. 3, the analytical engine 116 next examines invoice-related attributes 306. Various invoice-related attributes may be examined. For example, in one embodiment, the analytical engine 116 identifies vendors using consecutive invoice numbering. Individual vendors with consecutive invoice numbering may be cause for concern. For instance, if a vendor's invoices are consecutive, it is unlikely this vendor is providing goods & services to other customers, which may reflect adversely on the vendor's stability.
[0064]The analytical engine 116 may also compare the first invoice payment to the average for the vendor. If the first payment issued to the vendor is quite small relative to the average payment, the vendor may be potentially fraudulent, and the analytical engine 116 will assign risk points accordingly. Many fraudulent vendors are set up initially on the basis of a $50-100 invoice, with the larger invoices processed once the vendor has been added to the vendor master. In one embodiment, if a vendor has experienced significant year-over-year increases in spending levels, the risk points assigned to the vendor will increase. In one such embodiment, the percentage increase is a parameter that can be modified by a client.
[0065]The analytical engine 116 may also identify vendors with invoice having even dollar gross amounts. With a few exceptions in professional services, invoices generally have both dollars and cents. Summing to total even dollar amounts is fairly unlikely, but happens more frequently when contrived invoice amounts are created.
[0066]In some embodiments, the analytical engine 116 attempts to identify checks that are to be returned to an employee. If an issued check is to be returned to an employee rather than being routed directly to the vendor, the risk for fraud is typically increased. The associated field within the data (usually a check handling code) should be verified for this flag to be effectively utilized.
[0067]The analytical engine 116 may also utilize the type of general ledger account to which disbursements are charged to allocate risk points. For example, the general ledger accounts that may be identified as potentially high risk are sales & marketing, miscellaneous & sundry, deferred accounts and intercompany accounts. A client may customize the list of high-risk accounts.
[0068]The analytical engine 116 may utilize other invoice attributes, such as credits and purchase order number. For example, once a vendor reaches a certain size, it is highly unusual to have no credit entries. Vendors with no credits may be assigned additional risk points. Vendors receiving invoice payments without associated purchase order numbers may also increase the number of risk points assigned to a vendor.
[0069]In one embodiment of this invention, the analytical engine 116 utilizes Benford's law to assign risk points to vendors. The algorithm utilized by the analytical engine 116 tests test each vendor's transactions to determine if the numeric digits follow a predictable distribution. Intuitively, one would expect a range of numbers to begin with each digit 10% of the time (10% for 0, 10% for 1, 10% for 2, etc.). In reality, when testing sets of transactions from various sources, physicist Frank Benford identified a mathematical phenomenon (Benford's Law) that confirms that about 31% of the numbers had 1 as the first digit, 19% had 2, and only 5% had 9. If the numbers for a vendor do not conform to that distribution (+/-a certain percentage), it may indicate that the transactions were potentially fraudulent. FIG. 5 is a table illustrating a Benford analysis performed by an analytical engine 116 in one embodiment of this invention. Such an analysis may be particularly effective in identifying vendors evidencing abusive billing practices.
[0070]Referring again to FIG. 3, the analytical engine 116 next calculates a risk score 308. The risk score may simply be a sum of the number of risk factors associated with a particular vendor and the vendor's invoice. In one embodiment, each risk factor is associated with an individual weight, which is added to the total risk score associated with a vendor when a risk factor is identified. The sum of the individual weighted risk factors becomes the vendor's risk score. FIG. 7 is a table illustrating various fraud flags and risk scores in one embodiment of this invention.
[0071]The analytical engine 116 next compares the risk score to a predetermined risk score threshold 310. The threshold may be, for example, a default threshold, a threshold set for an individual client, or a threshold optimized for a particular industry. If the risk score is greater than the threshold, the vendor is identified as potentially fraudulent 312.
[0072]The process shown in FIG. 3 may be performed periodically (e.g., daily, weekly, or monthly) or on a semi real-time basis, i.e., continuous vendor monitoring. In some embodiments, the review is meant to isolate vendors with the greatest potential risk of fraud, based on an established dollar materiality (typically $25,000-$100,000 depending upon the size of the client vendor base). The report may be delivered first to an accounts payable (A/P) Director or Internal Audit/Corporate Security organization. Such a report may become an integral part of their internal control processes.
[0073]FIG. 4 is a diagram illustrating a process and system for vendor verification in one embodiment of this invention. The process shown may be referred to as an "at risk" vendor review process. In the embodiment shown, input sources 402 comprise various information for identifying potentially fraudulent vendors. The input sources 402 include data from company systems 404, data from public information sources 406, and data from proprietary information sources. The company systems 402 include information, such as payment, vendor, invoice, and employee data. The public information sources 406 may include, for example, OFAC lists, public mail box information, and prison addresses. Proprietary information 407 may include information such as high-risk general ledger accounts, high-risk addresses, payment handling codes, and previously identified scam vendors. This proprietary information may be identified using proprietary techniques and algorithms. The embodiment shown in FIG. 4 performs automated analysis 408 of the data.
[0074]This automated analysis 408 is performed by an analytical engine 410. The analytical engine combines the data from the company systems 404, public information sources 406, and proprietary information sources 407 to determine which vendors may be potentially fraudulent.
[0075]The result of the automated analysis is an automatically generated fraud flags report 412, 414. The fraud flags report 412, 414 identifies potentially fraudulent vendors. A verification process 416 is performed on the vendors in the fraud flags report 412, 414. The verification process 412 compares the fraud flags report 412, 414 to various information sources, such as public domain data sources 418, invoices, checks, and other records of transactions 420, and paid search services 420.
[0076]Once the data in the fraud flags report 412, 414 has been verified, the system generates a final report 424. The resulting final report 426 includes those vendors that were identified during the automated analysis and that were not eliminated during the verification process.
[0077]FIG. 7 is a screen shot illustrating a report creation user interface in one embodiment of this invention. In the embodiment shown, a user can set various criteria for producing a vendor fraud report.
[0078]In one embodiment of this invention, the analytical engine 116 is utilized to perform an initial high-risk identification. Additional processes may be utilized to confirm that these vendors are fraudulent. Document verification may also be performed.
[0079]Various organizations may use embodiments of this invention. For instance, forensic auditors that lack sufficient tools to perform detailed vendor validation. In addition, corporate auditors without domain experience or the necessary tools in place may use embodiments of this invention.
[0080]Such organizations may utilize the service in a variety of ways. For instance, a vendor may purchase the software and use it as a part of a continual auditing process. In one embodiment, the organization pays a per-vendor charge to an outsourced vendor verification service provider, leveraging proprietary resources and skill set of the service provider in order to obtain a cost-effective solution to their vendor compliance efforts.
[0081]The foregoing description of the embodiments, including preferred embodiments, of the invention has been presented only for the purpose of illustration and description and is not intended to be exhaustive or to limit the invention to the precise forms disclosed. Numerous modifications and adaptations thereof will be apparent to those skilled in the art without departing from the spirit and scope of the this invention.
Patent applications by James B. Arnold, Greensboro, NC US
Patent applications in class Including funds transfer or credit transaction
Patent applications in all subclasses Including funds transfer or credit transaction
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text:
Ruth Owens
Published: Sunday, December 28, 2008 at 4:30 a.m.
Last Modified: Saturday, December 27, 2008 at 7:31 p.m.
Ruth Jones Owens, 75, resident of Old Calhoun Falls Road, widow of Wayne Owens Sr., passed away Thursday, Dec. 25, 2008, at her home.
She was a retired sales clerk and a devoted homemaker.
She is survived by a son, Wayne Owens Jr. and his wife, Judy, of the home and two grandsons, Chad and Dakota Owens of the home.
All services will be private.
Chandler-Jackson Funeral Home, Abbeville, S.C., is in charge of the arrangements.
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subset: commoncrawl


text:
A group of Christian bloggers is partnering with South African-based organizations and local churches to raise $150,000 to build a community center in the city of Muabane that will benefit adults and orphans in need of food security and employment opportunities.
Lisa Jo-Baker, a Virginia-based mother and blogger considers herself the storyteller of the initiative and hopes to rally moms with the same heartfelt need to help raise the funds between Valentine's Day and Mother's Day.
"It's a terrifying amount! There's no way I could possibly accomplish it myself. But as scared as I get and as much as I wanted to hide from this call, I felt certain that I heard God's quiet challenge to me and it sounded a lot like Him saying, 'I dare you to lose face.' So I'm all in," said Baker to The Christian Post. more >>
Dozens of gay men have reportedly been arrested in Nigeria, where a new law that bans same-sex marriage and makes participation in homosexual organizations illegal under the threat of imprisonment was recently signed into law.
Dorothy Aken'Ova of Nigeria's International Center for Reproductive Health and Sexual Rights says police in Bauchi State have compiled a list of 168 allegedly gay men and have already arrested 38 of them, according to The Telegraph.
Nigeria's controversial Same Sex Marriage Prohibition Act was signed by Nigerian President Goodluck Jonathan on Jan. 7, reports The Associated Press, which obtained a copy of the document on Monday. Legislators from The Nigerian National Assembly signed off on the law on Dec. 17, though no announcement was made about it and the reason for such secrecy is unclear. more >>
President Barack Obama on Monday pledged up to $5 billion in funding to combat HIV/AIDS, tuberculosis and malaria internationally, and to redirect $100 million to the National Institutes of Health for research toward a cure for HIV, the human immunodeficiency virus that causes AIDS.
Speaking at the White House to mark World AIDS Day, which was Sunday, Obama celebrated the progress that has been made toward "achieving an AIDS-free nation."
"[T]his is a moment to reflect on how far we've come since the early days of the AIDS epidemic. Those of you who lived through it remember all too well the fear and the stigma and how hard people with HIV had to fight to be seen or heard, or treated with basic compassion," Obama commented. more >>
Former National Basketball Association star Magic Johnson recently told Anderson Cooper that he is Christian but that he also supports his openly gay son.
In an interview on "Anderson Cooper 360" that aired Monday, Johnson talked about many issues including how being a Christian and having a gay son is "reality."
"I go to church, I'm a Christian, but the reality is, my son is gay. That is the reality. And I tell pastors that, I tell other pastors that," said Johnson. more >>
The Centers for Disease Control and Prevention has reported a rise in unprotected sex by gay men, leading to fears of new human immunodeficiency virus (HIV) infections among the population.
The report classifies men who have sex with men (MSM) as a small proportion of the U.S. population, but notes that they represent the majority of persons diagnosed with HIV in nearly every state. While statistics show that unprotected anal sex among MSM increased nearly 20 percent from 2005 to 2011, only 67 percent of MSM went for an HIV test in the past 12 months.
"Unprotected anal sex is a high-risk practice for HIV infection, with receptive anal sex having the highest risk," CDC's Editorial Note wrote. "Unprotected anal sex also places MSM at risk for other sexually transmitted infections such as syphilis, chlamydia, and gonorrhea. Although condoms can reduce the risk for HIV transmission, they do not eliminate risk and often are not used consistently." more >>
"Love! Valour! Compassion!" a play about a group of gay men and their journey with AIDS has stirred up controversy in Grand Rapids, Mich., where some Grand Rapids Community College (GRCC) Trustees are calling for the school to defund the theater that hosted the play.
"There have been several members of the board who feel that the Actor's Theater is inappropriate," Bert Bleke, GRCC Board of Trustees chairman, told The Christian Post in an interview on Thursday. "Historically, the college provides a small amount of money to the theater," Bleke explained, and some members ask for even that to be removed. According to reports, GRCC gave the theater $19,000 last year.
Some residents believe that through the play – which includes a scene of male nudity – GRCC is endorsing nudity "as entertainment or education and is using our tax dollars to do this, resident Joan Ridderbos told MLive last week. Ridderbos, who did not see the play, learned about it from friends at her church. more >>


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CORTLAND, N.Y. - Michael Vick made a play Tuesday that made you catch your breath - because even though he is 34 years old and spent 18 months in prison and is about to begin his 12th season in the NFL, he is still good for at least one play in any practice or game that will make you catch your breath.
This time he was gliding backward in the pocket during a brief intrasquad scrimmage with his new team, the New York Jets, when he snapped his left arm downward to throw a 10-yard out to wide receiver Greg Salas. From the sidelines at State University of New York-Cortland, the Jets' training-camp site, it was easier to track the throw's precision and velocity, to appreciate the ease with which Vick had delivered such a difficult pass. Just that snap, and the football seemed to appear in Salas' hands.


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The growth of Small and Medium Enterprises (SMEs) in Indonesia makes the owner to have an excellent strategies especially marketing strategy to broaden their market share and increase their products or services' quality. Due to SMEs weaknesses of lack in human and financial resources, they need to conduct online marketing to reach their consumers, fasten the transactions and better customer support, thus saving costs for doing marketing campaign, etc. One of the biggest social network in the world, Facebook can be a solution for SMEs by exploited their features i.e. Facebook Profile, Group and Fans Page for marketing purposes. Most of SMEs today have adopted Facebook as their marketing medium but they have not measured the impact and effectiveness of marketing that they have done. In order to better understand the need of online marketing for SMEs and to provide guidelines for Indonesian SMEs in choosing marketing medium, this paper presents the impact analysis of using Facebook in two Indonesian SMEs i.e Inspired 27 and Garlick Store Company.
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|David Jencks <david_jen...@yahoo.com>
|Re: Dynamically adding ModuleBuilderExtensions and NamingBuilders
|Wed, 12 Nov 2008 23:08:27 GMT
On Nov 12, 2008, at 1:07 PM, Vamsavardhana Reddy wrote: > As part of deploying SCA enhanced Web Applications in Geronimo with > Tuscany Plugin, I am looking to add a ModuleBuilderExtension (MBE) > to TomcatModuleBuilder and a NamingBuilder. The purpose of the MBE > is to add SCA related EmbeddedRuntimeGBean to the web application > config which will deploy the application composite to the SCA > domain. The purpose of the NamingBuilder is to add SCA Domain and > other objects (required for injection of SCA references in servlets > etc.) into the WebAppContext. I am seeing that the MBE and > NamingBuilder GBeans which are added as part of the Tuscany Plugin > can not get dynamically added to the MBEs configured in tomcat6- > builder config and NamingBuilders configured in j2ee-deployer > config. The one option I see is to update the plan.xml files in > tomcat6-builder and j2ee-deployer configs and rebuild the server. > But this won't be like the MBE and NamingBuilder is getting added as > part of Tuscany-plugin installation. The other option is to add > (don't know if it is easy to do this hack) the MBE and NamingBuilder > to the corresponding collections in TomcatModuleBuilder and > NamingBuilder GBeans. I appreciate any suggestions/comments or > inputs on any alternate approach that I am not seeing. Yup, this is a problem. So far we've sidestepped it by just adding all the known desired MBE's to the appropriate *-deployer plan, and as you have found this is non-extensible. One possiblitly would be to define marker interfaces such as WebMBE, EjbMBE, etc that the appropriate MBE's could implement and use the interface in the references pattern. Anyone have a better idea? thanks david jencks > > > Thanks, > Vamsi
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Five Best
These Works on Financial Meltdowns Have Lost None of Their Value, Says Martin Mayer
1. Manias, Panics, and Crashes
By Charles P. Kindleberger
Basic Books, 1978
Charles P. Kindleberger's "Manias, Panics, and Crashes" is the definitive overview of financial emergencies. It was published 30 years ago but updated early in this decade (when Charlie was 90 years old!). A professor of economics at MIT and one of the designers of the Marshall Plan after World War II, Kindleberger practiced what he cheerfully called "literary economics," as distinguished from the mathematical or even statistical economics to which almost all his colleagues paid obeisance. The style of the book is conversational, but it is not merely a narrative; its many historical illustrations serve analytical purposes. In the chapter "Speculative Manias," for instance, Kindleberger considers the surge of gold prices in the 1970s, when gold spiked from less than $40 an ounce at the start of the decade to $200 by 1973. "The greater fool theory" was likely at work, Kindleberger says, as some buyers -- aware that they were buying into a bubble -- acquired gold intending to unload it before the bubble burst. The reader will find in these pages from a generation ago all the arguments being aired regarding the current economic mess. With typical grace and brevity, Kindleberger addresses a subject now much on our minds: "Given a seizure of credit in the system," he writes, "more is safer than less. The excess can be mopped up later. As for timing, it is an art. That says nothing -- and everything."
2. Bailout
By Irvine H. Sprague
Basic Books, 1986
"Bailout" is a superbly honest first-person account of the big bank traumas of the 1980s, written by a long-term director of the Federal Deposit Insurance Corp. Irvine H. Sprague lived through it all -- the collapse of Commonwealth Bank of Detroit, First Pennsylvania of Philadelphia, Penn Square of Oklahoma City, Seafirst of Seattle, Continental of Chicago. He responded by closing some banks, sustaining some and arranging the acquisition of others. Sprague knows all the theories, but they are not his business here; he has some stories to tell. And judgments to make: "In First Pennsylvania we put money in the bank and saved the holding company. In Continental we put money in the holding company and saved the bank. Either way, the stockholders received an outright gift from FDIC." He wrote the book, he says, to show how banking regulators make decisions, and after reading "Bailout" we do in fact know more about how the sausage got to be sausage. He leaves us with a question: "Should megabanks continue to receive favored treatment?" The past few weeks have found the wrong answer to that one.
3. Beyond Greed
By Stephen Fay
Viking, 1982
This is a wondrous tale of how Bunker and Herbert Hunt of the Texas oil Hunts, together with some Levantines and Saudis and some Wall Street brokers and Swiss banks, tried to corner the silver market in the late 1970s. The plan was quite simple: buy armloads of futures contracts on both the Chicago Board of Trade and New York's Comex and then demand that the sellers of those contracts actually deliver the silver on expiration, a rare demand in the futures business. When the time came to start taking delivery of the silver -- and to pay for it -- the Hunts needed more money than even they could command. Their borrowings constituted 13% of all borrowings by business from banks in the U.S. in January and February of 1980. When silver prices started to collapse on "Silver Thursday" (March 27, 1980), and as it became apparent that the Hunts couldn't pay for the silver they had contracted to buy, the banking system began to shiver and quake. The chairman of the Federal Reserve and the comp troller of the currency, hidden in a back room at a bankers' convention in Boca Raton, Fla., had to administer pulmonary resuscitation -- in the form of a line of credit offered by a consortium of bankers -- before the danger passed. Stephen Fay combines the curiosity and irreverence of a journalist with the instincts of a historian; he is also the author of a fine, compact book about the Bank of England.
4. When Genius Failed
By Roger Lowenstein
Random House, 2000
The most confident and arrogant of the "hedge funds," Long Term Capital Management boasted among its general partners two Nobel Prize winners and two of the most successful traders of fixed-income securities, along with assorted high-voltage mathematical-models makers. LTCM was in the sure-thing business: guaranteed tiny profits from arbitrage multiplied through leverage that approached 100 to 1. Then Russia defaulted on its domestic debt, long-standing differentials between Danish mortgage bonds and German covered bonds reversed, and the overextended experts learned the hard way that not all swans are white. The world's biggest banks unanimously decided that they were not prepared to give LTCM further credit to pay its losses. The Federal Reserve Bank of New York had to broker a deal that gave LTCM a terminal extension of credit to wind down the business. Roger Lowenstein explains who fell over the cliff and why, allowing readers to decide for themselves whether these superconfident operators really did have a perpetual motion machine and simply ran into awful luck or whether they were perhaps not as smart as they and everyone else thought they were.
5. The Trouble With Prosperity
By James Grant
Times Books, 1996
For a quarter of a century, James Grant has written and published a literate, illuminating, quirky, usually bearish every-other-week newsletter about the financial markets called Grant's Interest Rate Observer. The "trouble" he saw in the title of his book was that booms are always followed by busts, and the louder the boom, the more devastating the bust. So, at any rate, spoke the Austrian economists at the turn of the 20th century, whom Grant took as his guide. This outlook has a cheerful side, too -- especially welcome these days -- arguing that bigger busts then produce bigger booms. Grant is alert and ahead of the crowd in spotting trends: "The extra dollar of consumer expenditure," he wrote more than a dozen years ago, "is requiring a larger and larger unit of consumer borrowing." But mostly he tells good stories of people getting themselves into trouble.
Mr. Mayer, a guest scholar in economic studies at the Brookings Institution, is the author of many books about banking and finance, including "The Fate of the Dollar" (1980) and "The Fed" (2002).


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|16 Reviews
|Property type
|Minimum Stay
|3 nights
Your true hideaway nestled in the Adirondack Mountains and on Lake Champlain. Total peace and quiet on your large property of heavily wooded forest with a bridge and creeks. Watch the changing leaves, go canoeing from your private beach or just sip cocoa in front of the fire while looking out to the family of deer on the front lawn. The house is built on top of a lush hill which faces Lake Champlain. Stairs leading to a bridge, where you can listen to the babbling brook which flows from the artisan well that flows below you, continues to the lake. Choose from a variety of water sports to pass the day away. Have a bonfire or BBQ on the beach. Go for a canoe ride with a picnic for two. Hunt for frogs in one of the creeks. We have a canoe with 4 adult life jackets and one child, as well as a 10 foot rowboat and a dock. We do have a mooring . The beach is mostly sandy, unusual for Lake Champlain. We have parking for a trailer and electrical hookups
In the winter time just walk out the door to go sledding, tobogganing, ice fishing etc. or take advantage of our local Olympic ski slopes at Whiteface. Watch the leaves change in Autumn and visit the local pumpkin patch for a hay ride.
Great Escapes Six Flags is one and a half hours away!
Conveniently located next to two international airports. Burlington, VT is 1 hour and 20 minutes away with a ferry ride. Albany is 2 and a half hours away. Many ferries in the area, ask us for the schedule if you need it. There is a gas station and a full grocery store less than 5 miles away if you should need any essentials. There are much more major shops and activities in Plattsburgh, 12 miles away.
The house has a piano in the White Room downstairs and the upstairs bathroom tub fits FOUR!
This is truly a very special property if you love peace and quiet.
My name is Jasmine and this property belongs to my mother, who travelled the world to pick her favorite places and now we are sharing them with you. We wish you to have a lovely time and enjoy these corners of the earth like we do
The Owner purchased this house in 2005
Location, Location, Location
and being Lakeside in the North County on Lake Champlain.
All Lake fun and simple walks throughout many trails in the area, also Ausable Chasm and a local orchard up the road with all the homemade local goodies and strawberry picking in the summer and pumpkin patches in the fall. Must see is Ausable Marsh just north 5 minutes on Rt 9. Great Fishing
I was there with my husband, my 19-month-old baby, my 2 dogs and 2 friends for a week-end and it was perfect! It's a paradise for adults, kids and dogs! A great spot to relax, soak up the sun and swim. The private beach is nice and the house was clean. I recommend this rental to anyone who's looking for tranquility!
This was the perfect place to relax! We had so much fun playing in the lake, which was warm enough for my 2 year old, who gets cold easily, to enjoy. The sandy beach really helped her as it made it much easier for her to play in the water...the dog had a blast too! The cottage itself was better than expected. The beds were comfortable and the rooms were quite spacious. All of our questions were addressed right away. The toys, paddle boat, and canoe were great to have. There was a row boat too though we didn't have a chance to take it out...next time.;o)
For a wonderful time and a great place to stay...............This is it. Stayed here a few years ago and loved it and it's still that way now. Going to book it for a week in the summer also
Great place to relax and do just about anything I was there a few years ago and loved it Skiing is great and close BUT the lake in the summer is wonderful. All ages will love it I'm booking it again for early November and again for April Can't wait to get there again
Our family really enjoyed watching the fireworks beach side on the cute private cove. Nice decks and winding wooden paths and bridge to beach through woods was peaceful. Great location outside of town but only 20 mins to the ferry to Burlington in Port Kent. Dock was nice as well. Sweet neighbors dog visited everyday as well :). Thank you
The reason i gave this house 2 stars is because although the nature is beautiful, the house itself had several problems. When my family and I arrived at the house all the doors were locked, no keys were present and nobody was there. We had lots of trouble contacting and communicating the owners of the house. After about 45 minutes of waiting and trying to communicate with the owners we finally got a hold of her and she told us to enter through a window under the house. The house was dusty. Both bathrooms showers were leaking and uncomfortable. The paddle boat is broken, so it wasn't used, but the beach itself was nice. Also if you are planning on my a campfire you need to find your own wood, because none is provided. Throughout our stay we communicated only once with the owner because the owner never answered her phone. This is my truthful review about my personal experience and i wouldn't recommend this house unless its a last resort.
We are on a 3 acre lot in a very private location. Two creeks that run along each side of the property which are alot of fun. There is boat launch less than 1 mile down the road. Golf courses within a 30 mile radius! White Face Mountain Ski Olympic Resort is 23 miles away, easy ride for Skiers and snowboarders alike.
|Rate Period
|Weekend Night
Mar 31 2017 - Sep 30 2017
3 night minimum stay
We request the deposit first then 30 days before you arrive we ask for the rent and the cleaning. Deposit is returned promptly after your stay.
Always ask for a quote, prices vary!


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Mississippi Masala
1427 Washington Ave. S., Mpls.; 339-0002
AFTER MUCH anticipation, the Jewel of India has opened its doors next to the small theaters, bars, and cafes that breathe life into the West Bank. And the promise of it becoming a great restaurant seems to lurk just around the seven corners. It's still distant, but not unforeseeable.
It could be that things are too new to be completely comfortable. The place has a bit of a showroom feel to it. Various items on the menu weren't available on either of our visits, and, despite what the menu claims, I was told that takeout is not an option. But don't let these minor gripes furrow your brow too much, as you'll find some unique and pleasing offerings here.
Jewel of India's menu is expansive. Appetizers consist of various combinations of pakora--fried morsels of vegetables, shrimp, and chicken--and samosa, all served with a dish of tasty mint sauce. The vegetarian platter ($6.95) we tried was superb; the samosa crisp and piping hot, laden with mildly curried potatoes and green peas; and the pakora, made primarily with cauliflower and potatoes deep-fried in chick pea batter, were also as hot and comforting as you could hope for. Soups here are also lovely, a medium-sized bowl of which will only set you back $1.95. Our table favored the tomato soup, peppery and thick with zucchini, carrots, and weighty chunks of tomato. The mulligatawny ran a close second, a delicately herbed purée of lentils and tomatoes topped with fresh cilantro that was pleasantly redolent of nutmeg. If you expected the coconut soup to be hiding any surprises, you'd be disappointed by the thin, mild broth. Maybe it just seemed to run bland in comparison to its companions.
As for entrees, there are plenty of seafood, lamb, chicken, vegetarian, and tandoori selections to choose from. Unfortunately, as I mentioned, availability is hit-or-miss. Both of our visits had us scrambling for second and third choices when we found tandoor lobster ($14.95), crab malabar ($12.95), and mughlai chicken ($9.95) were not to be had; maybe you'll have more luck. What we ended up with pleased us just fine, though. The lamb kadai ($9.95) was tasty: pieces of lamb that had been tenderly sautéed in a wok with thin slices of onion, garlic, and tomatoes, spiced hot enough to inspire a summery flush. It was a difficult decision, but eventually we went for the sibilant aloo gobi palak ($6.50) over the bhindi masala (whole okra stuffed with spices and cooked with onions and peppers, $7.95) for my vegetarian friend. Her reward was a sizzling silver dish of seasoned spinach, cauliflower florets, potatoes, tomatoes, and onions that was creamy and decadent. Same for the dal makni ($5.95) that showed up at our table mistakenly (though the waiter was kind enough to leave it without charge), a silky, luxurious dish of lentils and tomatoes cooked in butter, heavily accented with onions, garlic, ginger, tomatoes, and coriander. All entrees are served with fine basmati rice and chutney, and the breads we tried with our meal, garlic naan ($1.95) and mint paratha ($2.50), were both delicious.
A second visit proved disappointing. The vegetable samosa ($1.99) we had loved was running cold, served with a runny and sweet tamarind sauce instead of the mint. A meagerly portioned plate of lamb curry ($8.95) arrived lukewarm and bland. One guesses this was an exception to the rule; it was an exceedingly busy night. Service was cheerful if a little rushed, and our waitress was as jovial as could be under the circumstances. Nonalcoholic drinks (no license yet) and desserts are consistent, with a delicate rose water-flavored kulfi ($2.50); a rich basmati rice pudding served with almonds and pistachios ($1.95); firni, a custard pudding also flavored with pistachios and almonds ($2.50); and the heavy ras malai, cheese balls and nuts floating about in sweetened milk and rose water.
Taking everything into account, I'd say that if the Jewel of India works out a few kinks, it'll be around for some time. Judging by the crowds, I'm sure there are plenty of folks willing to help make this so.
SPUR-OF-THE-MOMENT SPLENDORS: If you're an expert at hunting down big fat luxuries, you may want to scramble over to Jax Cafe (1928 University Ave., Mpls.) for a table at Jax's Annual Hunter's Dinner, being held Wednesday, Oct. 25. The $40-per-person dinner (tax and gratuity not included) includes a place at the hors d'oeuvre buffet, where you can pop snatches of applewood-smoked trout with dill mustard sauce and French bread, grilled rattlesnake cakes, smoked salmon, and braised ringneck pheasant with cabernet sauce (among other treats) from 6:30 to 7:30 p.m. Afterwards enjoy a leisurely meal that includes a mixed-green hunter's salad tossed with balsamic vinaigrette, and a big old slab of New Zealand red deer with trimmings fit you tie you into a knot of pleasure. Then as you balance a plate of warm bread pudding with whiskey sauce on your plumped-up belly, wonder why you let so much time go between visits to the Jax Cafe. Call 789-7297 for reservations... On the other side of town, you still have a day or so to catch the tail end of Caravan Serai's 25-year anniversary celebration that's been going on this month. The Caravan, long loved for its sumptuous setting and menu featuring treasures from Afghanistan, North India, Greece, and the Middle East, has revamped its menu this summer. New items include chilled mango chicken salad and biriyani, an aromatic rice dish with assorted fresh vegetables, raisins, fresh ginger and cinnamon. For a fleeting two days (Oct. 25-26), enjoy a complete dinner for two for a mere $25; if you're extra lucky, perhaps you'll land a $25 Caravan gift certificate in one of the nightly drawings. Maybe you'll even take the grand prize for limited-edition wines and $250 in cash. If you don't have time to linger among the silk cushions under the tent in the dining room, stop in at the deli/cafe next door, where you can choose from a full menu of delicious appetizers, soups, salads, sandwiches, and entrees available for eating in or taking out. The Caravan is located at 2175 Ford Parkway in St. Paul; call 690-1935 for reservations.
AN EVENING'S ESCAPE: Looking for something out of the ordinary? Hoping to get out of these city walls for an eyeful of lawns, gardens, a bit of antique opulence, and a mouthful of ambrosia? Embark then on a Culinary Outing at the Outing Lodge at Pine Point, near Stillwater. These "outings" consist of various theme dinners, served at one long, elaborate table encircled by candle wall sconces and set in front of a massive fireplace. Outings in the near future include "Babette's Feast" (Oct. 27-28), "Wild Game Dinner" (Nov. 4), "Thanksgiving at the Lodge," "English Christmas Party," and "Russian New Year's Party." Dinners are limited to 50 people, so call early to insure your place. For more information about the menus and to receive your own Culinary Outings calendar, call 439-9747.
SCARY MERRIMENT: Watching old horror movies and dressing up in the devil costume your mother sewed for you years ago not scary enough for you? Well then, experience hell in (where else?) the Mall of America, Fat Tuesday's to be precise. Yes, on Saturday Oct. 28 at 8 p.m., Fat Tuesday's hosts a Disco Hell Halloween Ball in conjunction with The Edge radio station. Fat Tuesday's will be decked with disco balls and strobe lights as Saturday Night Fever music pumps through the house. A traditional Halloween costume contest with cash prizes, a live DJ, and giveaways from The Edge will add to the festivities. Call 851-9032 for more information. Don't get too soused, though, because you'll be wanting to go down to the Croatian Hall (445 Second Ave. S., South St. Paul; 451-1453) for the First Annual Halloweenie Feed afterwards. This art-and-meat raffle comes complete with live music via Trailer Trash and a cash bar...
SMOKE GETS IN YOUR EYES: Bothered by smoke spoiling the smell of your escargot? The Association for Nonsmokers has published a list of smoke-free restaurants in Minnesota. The book, Smoke-Free Dining in Minnesota: A Consumer's Guide, lists over 680 smoke-free restaurants throughout Minnesota. Free copies of the directory are available from ANSR; just call 646-3005 or write to 2395 University Ave. W., Suite 310, St. Paul, MN 55114-1512 to receive yours.
CHARITABLE WINING AND DINING: On Friday, Oct. 27 at 7 p.m., the Modena-St. Paul Sister City Corporation will sponsor "A Northern Italian Feast: Wine, Dinner and Serenade" at the Venetian Inn, 2814 Rice St., St. Paul. The event begins with a silent auction featuring several items from professional athletes, Luciano Pavarotti memorabilia, and other authentic Italian items, and ends with a performance of arias by local opera singers. Sandwiched between is a multi-course dinner featuring fine foods and wines from the Emilia-Romagna region. All proceeds from this event will go to support the Modena-St. Paul Student Exchange Program. Tickets to this event are $45 ($20 tax deductible).
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Skip to comments.Worst call of the season?
Posted on 09/24/2012 8:58:23 PM PDT by grey_whiskers
Holy crap! I thought one only got bias like this from MSNBC about the election.
That is all.
(Excerpt) Read more at freerepublic.com ...
The sad thing is that is only the worse call so far.
Never thought I would ever in my life say this.
I miss the official NFL Refs.
Saw it. Awful call!!
The NFL has got to get the REAL refs back for the integrity of the game!
Season?!?!! How bout worst call(s), ever.
The obvious pass interference before that and the missed INT call.
I think the NFLPA should seriously consider telling the league that they won't play until the regular referees return.
It was a perfect example of creative judging!
Signed, Barack Obama
I have giving up competitive bird calling competitions. The have become far to stressful.
I'll always take a Pack loss but that is a little much.
One things for sure, the boss is going to be crabby at the office tomorrow
This is destroying the quality of their offering. They have made a joke out of NFL Football.
I like pancakes.
The worst call ever. Possession = Green Bay.
What the heck!
Horrible calls the whole game....wow!
Unfriggin believable? And I was not rooting for either team.
I just emailed Roger Godell - told him what a joke the NFL is now and I'm boycotting it's sponsors. email@example.com
Worst call ever in any sport I have seen. Not just the very last call. The bogus roughing the passer. And the worst defensive pass interference ever. And a no call on offensive pass interference last play.
Better get the real refs back ASAP. Game has lost all credibility.
The NFL will reach an agreement with the regular officials this week.
The football gods are not amused.
I was thinking what could the players do. Would they consider a work stopage of their own to get the refs backs. This is hideous.
I feel for these temp refs, but I can't believe they are this bad. They have to be trying to suck to help the striking refs. This isn't even worth watching. And to screw up the call on review. come on.
And Pete Carroll can suck my Obama. Running off the field like he won that game.
Anyone who thinks Jennings didn't pick that off is smoking model airplane glue.
Gruden looks like he wants to gut punch this old coot standing next to him in the post game show.
I hope there's a fiery 15,000 car pileup in Seattle in the next 30 minutes.
Anyone who thinks Jennings didn't pick that off is smoking model airplane glue.
Gruden looks like he wants to gut punch this old coot standing next to him in the post game show.
I hope there's a fiery 15,000 car pileup in Seattle in the next 30 minutes.
Worst call of the season? : the Obama administration " the Muslim riot attacks were cause by a Christian film maker's film ".
That's exactly what the NFLPA should do, either the refs return, or else they won't play.
Why Bears' fans think the refs made an excellent call. Matter of fact they should be there for the next Packers' game too.
I thought joint possession was considered a reception. Perhaps the ref thought they both had it.
I dont think sending those refs to Green would be a very good idea at all unless there was maximum security.
Facebook was blowing up not 2 minutes after it was over. Even the ESPN announcers made their displeasure known.
That same old fart official called the awful pass interference call and the bogus Touchdown. AWFUL.
This just irritates the CRAP out of me! For once my HAWKS are looking promising (love Wilson, Lynch, Tate and Washington), and we get these crappy ref calls. They should NOT have won this. Jennings clearly had that ball. I'll take the win, but I still like a CLEAN, CLEAR CUT win over bad, amateur refs ANYDAY.
Good point. No reputable business should want to be associated with this farce.
WHOA, these refs were awful, but no pro union crap needed here....
"I can't take much cheer in this."
I sure took some. I hope the Pack misses the playoffs by that margin. Or, better still, this sends them into a tailspin and it takes years to recover.
I think this game also means the regular refs are going to have to be back. That plus the Pack loss plus the Vikes win yesterday makes for a good weekend.
The amazing part was that they did not reverse it on replay.
"I dont think sending those refs to Green would be a very good idea at all unless there was maximum security."
Bears fans look at the bright side. At the end of the game, the refs would then be reffing no more, and the Packers would still lose. :)
Like the SuperBowl?
McCarthy is keeping his mouth shut, trying to save a $50K fine.
I bleed Purple, and always cheer for whatever team is playing the Cheeseheads.
But I want the Vikes to win (or see the Pack lose) legitimately.
They was robbed tonight.
Terrible call. Even after reviewing the replay they still got it wrong.
I'm from Seattle, and that was the worst referee performance from begining to end I have ever seen. It went both ways. Obviously the last 2 drives were really bad for GB, and as a Packer fan I'd be outta my mind.
I'm thinking Roger Goodell's 50 cell phones are going to be rather busy in the next 2-3 days.
If I was representing the refs union, I think I'd wait a day or two to answer his phone call.
I'd answer: Oh Hi Roger. And how are yooooouuuu? Yeah, about that offer thing. We've made a few changes.
You must be a youngun.
I was a witness to the Cowboys/Vikings "Hail Mary" playoff game.
The Cowboys had more than Mary on their side for that call.
Wish I'd thrown the whiskey bottle.
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.


text:
Share Photo
Tonalist wins the Belmont Stakes as California Chrome is denied in a bid to become the 12th horse to win the Triple Crown. Chrome finished fourth. After the race, Jockey Victor Cruz rides California Chrome back to the winners circle disappointed with a fourth place finish.
— Sean M. Haffey


text:
I am dying to use this plugin on one of my blogs. But it shows the error: header already sent. Can this be patched up somehow?
I am dying to use this plugin on one of my blogs. But it shows the error: header already sent. Can this be patched up somehow?
I had the same problem, i because you get no answere, I fixed it by myself.
How? I toke an older version, and replace same code.
What you must do:
Go to http://www.yourdomain.com/wp-content/plugins/wordpress-simple-website-screenshot/simplewebsitescreenshot.php
Open this file.
Replace the content i that file, with this file:
Plugin Name: WordPress Simple Website Screenshot
Plugin URI: http://www.digg-it.info/wordpress-simple-website-screenshot-v-0-5
Description: Make simple website screenshot via shortcode without watermark.
Version: 0.5
Author: Pigi
Author URI: http://www.digg-it.info
License: GPL2
/* Copyright 2010 Pigi (email : firstname.lastname@example.com)
This program is free software; you can redistribute it and/or modify
it under the terms of the GNU General Public License, version 2, as
published by the Free Software Foundation.
This program is distributed in the hope that it will be useful,
but WITHOUT ANY WARRANTY; without even the implied warranty of
MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE. See the
GNU General Public License for more details.
You should have received a copy of the GNU General Public License
along with this program; if not, write to the Free Software
Foundation, Inc., 51 Franklin St, Fifth Floor, Boston, MA 02110-1301 USA
function screenshot($atts) {
"url" => 'www.'
), $atts));
"width" => 'width'
), $atts));
"height" => 'height'
), $atts));
$sc_default_width = get_option('default_width');
$sc_default_height = get_option('default_height');
return '
<img src="http://s.wordpress.com/mshots/v1/http%3A%2F%2F'.$url.'" width="'.$sc_default_width.'" height="'.$sc_default_height.'" border="0"><bt />
add_shortcode('screenshot', 'screenshot');
Maybe it is not a nice way, but before there is a solution, you can you it now.
Have fun!
I think the problem is in the new function for thumbnail. I'm working to fix this problem. sorry!
Ok, bug fixed, tomorrow 100 % work version, with new features.
Stay tuned
Ok, we will wait for it.
it's online, please let me know if you have any problems with the last version
This topic has been closed to new replies.


text:
Grimms Forest by RobinHaliouaWatch
©2012-2016 RobinHalioua
Grimms Forest
I like this!
Beautiful muted colors
I think you have inspired me. Hold on a sec while I paint something ...
Just love it!
Can I use this in a manipulation? I'll give you credit!
You are incredible.
Would you mind if I used this in a manipulation? Credit and link back will be used.
Really? Do they shoot 'Grimm' there?
Really great photo
Really great photo
amazing shot! love it
I see elves and a gnome and maybe a couple pixies in there.
Really nice shot!
Either you live in Narnia or something, or your work is just pure awesomeness ._.
Yeah, actually there is this strange wardrobe in my room :-D Or maybe Switzerland looks like Narnia ,)
Another wonderful shot, excellent
Nice shot Robin!! Where IS this forest? Just curious.
It's called Sihlwald, you can google it It's a forest in Switzerland
Wonderfully done!
this is so beautiful
Fantastic! Where do you take all your beautiful photographs?
Thank you They're all from switzerland, actually they're all from the same area, it's where I live


text:
I am not able to reduce the padding of the
Navigation menu. Its really annoying me . when i hover the near the menu, the links activate. What i want is to fix a height of the menu items ... i have set hover { background : #000000; } and when i hover over the menu items it look too awkward. Please help. I am thinking to quit this. Damn i think i m not made for this..


text:
Dolly caught the video and tweeted out to her fans. Read More
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"It took me months to write 'Heart's Desire,'" he says of one of the new songs. Read More
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See Carrie Underwood and NFL Stars Andrew Luck, Odell Beckham Jr. and Others in New "Sunday Night Football" Teaser
NBC's flagship NFL program premieres when regular season play starts on Sept. 10. Read More
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text:
Tanguay Kids Run & SSQ Health 5K (Saturday, August 27th)
These races are at the same time and on the same course. Parents can run or walk with their kids by registering to the SSQ Health 5K. Please note that the SSQ Health 5K is not timed. Your bib won't have a chip at the back.
Start & Finish Site
The start and finish site is located in Park, just across Quebec's Parlement building, in Old Quebec City.
Starting time : 4 pm.
Course Details & Map
The start is next to the famous Tourny Fountain. The route travels as follow: Georges VI avenue, Ontario avenue, Montcalm avenue, Grande-Allée and back to the Tourny Fountain. CLICK HERE for a PDF file, easy to print.
Time limit
The time limit is 60 minutes.
Bag Check
At the 5K start, a tent will be available for participants to leave their personal belongings in a small bag. This bag must be clearly identified using the bottom portion of the race bib.


text:
February 24, 2014 - Industry News
Inland Truck Parts has reinvested in North Texas with a new, larger Denton facility just up the street from their former location. The new facility at 4321 N. Elm Street is open for truck repairs and service.
Tags: Aftermarket, Inland Truck Parts
September 22, 2013 - Industry News
After years of serving the truck parts needs of Billings, Mont., Inland has now reinvested in the community by acquiring a second location to provide full-service truck repair and maintenance.
Tags: Expansion, Inland Truck Parts
February 23, 2013 - Industry News
Inland Truck Parts has now moved to a brand new, 37,000-square-foot facility in Scottsbluff, Neb.
Tags: Inland Truck Parts, Aftermarket, Distributors, Nebraska
February 5, 2013 - Industry News
Inland Truck Parts has consolidated its Wichita, Kan., operations in a new, custom-built location.
Tags: Kansas, Distributors, Inland Truck Parts
We offer e-newsletters that deliver targeted news and information for the entire fleet industry.
The expert, Brian Fletcher from Eaton, will answer your questions
Service Sped Up by New Process at International Dealers
Kenworth Launches Essentials App for Mobile Devices
EZ Drain Valve Made For Vaporizer Drain Systems
VeeBoards Corner Protectors are Stackable


text:
by Carlita
Inside are copyrights, rules and regulations as it applies to this portfolio.
If there are any authors' items and/or anything else I have posted in my portfolio without your explicit permission and/or any discrepancies please contact me ASAP.
Copyrights and Resources outlines the copyrights and rules and regulations as it applies to this portfolio. Some specific items are, and not limited to links, web sites, WDC individual or group owned items with their affiliates' images, attatchments, and pictures/images not owned by me. They are displayed within some of my own items such as articles and citations in my essays. In accordance to Writing.com's and my respective policy, items owned by outside parties (not mine) are not created as one of my item(s) (a static for example) in my portfolio itself; whether unintentially or intentially, I do not claim ownership.
Authors and group owners obtain their own copyrights of their items. They do not promote any of my items regardless of its purposes and contents. They have gave me their explicit permission to use (not manipulate) and post their items in any of my items as appropriate and agreed by both the owner and myself.
In addition, I've added resources related to some of my items in my portfolio.
For more information about copyright issues on Writing.com click:
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Here are a list of people who gave me permission to use their items:
Permission to post my reviews are given by:
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Permission to use items for citations by:
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Permission to promote users' WDC activities, sites, and items:
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Thank you guys!
One more note: All permission replies are saved just in case there are concerns about copyright infringement and the like. You can look at copyright laws at U.S. Library of Congress "Copyright Laws" (Revised: 19-Dec-2011)
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text:
NSW WILL lose the Older Persons Tenants' Service (OPTS) and the Park and Village Service (PAVS) from 30 November 2013 as the NSW Government will no longer fund these services.
CPSA HAS become increasingly aware (and concerned) about the amount of misinformation about the bedroom tax that came into effect in September 2013.
IN ANOTHER case of policy that looks good on paper, but could turn ugly when put into practice, the NSW Government will tax public housing tenants with two or more spare bedrooms from September.
IN the June edition of The Housing NSW Tenant Newsletter Your Home, readers were alerted to the opening of nominations for the NSW Carers Awards, a joint initiative of NSW Families & Community Services and Carers NSW, to recognise the work of carers in the community.
CPSA'S PETITION calling for an increase to the pensioner Council Rate Rebate is now at over 4,000 signatures!
Read more: Over 4000 pensioners to tell Premier O'Farrell that the Council Rate Rebate must go up


text:
filter by Type
filter by Category
filter by Keyword
filter by Featuring
"I've been a podcast listener for over two years. It's really been a blessing and helped me grow from a cafeteria Catholic to a real one."
~ Lino, Zapopan, Mexico
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"May God never abandon me!"
~ Thomas Aquinas; philosopher, theologian, author, Doctor of the Church, patron of Catholic universities, colleges, and schools; reaffirming his total submission to the authority of the Church from his deathbed


text:
i m using XAMPP ,I just want to know while installing xampp what type of file, php add into our computer is it bin or .exe file only or some other file are it's bin file that contains all the function Like in C++ we make a .h file in c++
means where is the body of all core php functions declared???
how and where all functions stored exactly in xampp????


text:
Share More
George Tasopoulos:
June 15, 2013 at 10:57 pm
Their spelling is so atrocious and yet the only autocorrect is on a name?
Oliver Fuggin Klozov:
June 17, 2013 at 1:18 am
I hope that guy isn't an inside look at the modern Harvard attendee.
Matt Mallory:
June 17, 2013 at 1:45 am
"I wish to know them as intimately as I know myself, and as I know my.weaknesses, I shall discover theirs... and then... I'll strike."
"Best of" Lists


text:
Are there any plugins available which will allow me to create a webform which pulls in data from our SQL2005 server?
We use a MySQL database already for the WordPress site.
Can we use another database to connect to - just for 1 page or for one webform.
e.g. to populate a drop downlist?
Or would we have to use another method to do this? - like export from sql2005 to a csv / excel file and then import from this flat file into a webform?