Abstract: A system, computer product and method are provided for a card issuer providing a prepaid gift card to a purchaser, the gift card usable by a recipient of the card to pay merchants who participate in a financial network. The method includes receiving a payment of a predetermined amount, and loading the predetermined amount received from the purchaser into the prepaid gift card. The method further includes activating the loaded prepaid gift card, the activated prepaid gift card being usable by the recipient for paying any of the merchants in the financial network until the predetermined amount loaded in the prepaid gift card is exhausted, and being usable by the recipient to obtain a benefit beyond what is purchased from at least some of the merchants in the financial network.

Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.

Abstract: A multiple-opening container is configured to facilitate the simultaneous opening of two or more material containing compartments, thus allowing for the material contents within the multiple containing compartments to be suitably mixed upon pouring into another container, such as a pitcher, glass or cup or other like container. As a result of the simultaneous opening and pouring ability facilitated by the multiple-opening container, the time for mixing of multiple materials, such as beverages, fluids, powders or other like contents, can be suitably reduced. In addition, the de-carbonization and/or deterioration or other side affects caused from pre-mixing of the contents can be eliminated. In accordance with another exemplary embodiment, engagement portion can comprise a snap clip and a ring portion configured for sealed coupling to a material containing compartment.

Abstract: A financial transaction device is disclosed. The device includes a first surface and a second surface. The first surface comprises a writable field enabling a writing instrument and/or a printing device to write on the first writable field. The writable field allows transaction device purchasers to include a custom note, picture, design, logo, pattern and/or any other indicia on the device. The writable field creates an added element of thoughtfulness to make the gift exchange more special.

Abstract: The air charger system provided is configured to provide an air supply to a pressurized water storage system without the use of external power. The system includes a venturi vented to the ambient atmosphere, such that the venturi siphons air from the ambient atmosphere when the venturi reaches a choked flow condition, and the system stores the siphoned air in a charging tank to supply a water storage tank. In various embodiments, the air charger system conserves energy because the use of external power is eliminated. Instead of using a traditional air compressor, the air charger systems converts the potential energy of water in a storage tank to kinetic energy in order to pressurize air in a charging tank. In addition, the air charger system also achieves greater energy conservation with the elimination of an air compressor, such that the system requires less repair and maintenance than a traditional system.

Abstract: Methods create images viewable under different selected angles on optical storage devices and other photosensitive surfaces and optical storage devices with super-imposed images. Generally, a photosensitive surface is exposed with multiple diffraction patterns creating super-imposed images. These diffraction patterns create super-imposed images on the photosensitive surfaces, which can be read by either a human or a computer.

Abstract: Tracking and management data for a solicitation and response lifecycle is disclosed. The system generates and links tracking data for both the solicitation and the response, generates indicators that include the tracking data, and encodes the indicators so that the indicators are detectable as they traverse various events and locations throughout the lifecycle. A detailed audit trail of each event in the correspondence and response lifecycle is constructed using data matching methods and various statistics regarding the lifecycle, such that the response habits of customers are formulated.

Abstract: In exemplary embodiments, a regenerative suspension system replaces or complements a standard shock absorber on a vehicle. A pump attaches via a hose to a central accumulator cylinder that is mounted on a vehicle. Pressurized fluid, air, or other material charges the accumulator. The Pressurized fluid, air, or other material is controllably released via a valve in order to perform work.

Abstract: A thermocouple for use in a semiconductor processing reaction is described. The thermocouple includes a sheath having a measuring tip and an opening at the opposing end. A support member that receives a portion of a first wire and a second wire is received within the sheath. The first and second wires form a junction that contacts the inner surface of the sheath at the measuring tip. A spacing member is secured at the opening of the sheath and receives the support member. The spacing member allows the support member, first wire, and second wire to freely thermally expand relative to each other without introducing compression or tension stresses therein.

Abstract: A system, method, and computer program product for providing customer services on a mobile device can provide a user-interface on a mobile device to display one or more customer service options, store state information of the customer's interaction with the user-interface, and provide a user-interface element that provides the customer an option to contact a customer service agent. In response to the customer's exercising the option to contact the customer service agent, the stored state information is sent to the customer service agent.

Abstract: The present invention relates to a process for producing an irregularly shaped Radio Frequency operable transaction device using conventional International Standards Organization dimensions for conventional transaction cards. The invention provides for normal manufacture of a plurality of transaction cards joined together in a single sheet. The outline of a RFID transaction device is impressed in a center portion of one of the transaction cards. A RFID transaction device may then be removed, or punched out of the transaction card in accordance with the transaction device outline.

Abstract: The present invention involves spending loyalty points over a computerized network to facilitate a transaction. With this system, a loyalty program participant is able to use an existing transaction card to purchase an item over a computerized network, while at the same time offsetting the cost of that transaction by converting loyalty points to a currency value credit and having the credit applied to the participant's financial transaction account. Currency credit from converted loyalty points may also be applied to stored value cards, online digital wallet accounts and the like. Further, currency credit may also be applied to other accounts to effect a gift or donation.

Abstract: The present invention facilitates the dynamic provisioning of data assets in a shared storage environment. The invention provides a system and method for dynamically provisioning and de-provisioning shared storage resources based on multi-dimensional decision criteria. By employing specialized computing components configured to assess a data asset and requestor of a data asset, a provisioning engine is able to transform the input from the computing components into a specific configuration of shared storage resource provisioning and security controls. According to the rules and policies applying to a security domain, the provisioning engine may dynamically allocate shared storage resources in a manner that is both safe and efficient for the data asset.

Abstract: A random number generating algorithm is seeded with an unpredictable number. The seed value is computed by subjecting variable data to a Secure Hashing Algorithm, and truncating the right most, or left most, 16 bytes from the message digest generated. The algorithm generates the unpredictable number by using the seed value as a counter value in the random number generator, and performing a data encryption standard operation. In one exemplary embodiment, the unpredictable number is modified to a predetermined maximum unpredictable number value as determined by the sender and receiver of the unpredictable number.

Abstract: A drive apparatus of the present invention includes: a recording/reproduction section and a drive control section. The drive control section performs a process including: receiving a recording instruction including a location at which data is to be recorded; determining a track among at least one tracks corresponding to the location included in the recording instruction; controlling the recording/reproduction section to record data at a replacement location in the user data area instead of the location included in the recording instruction; determining whether or not the recording of the data at the replacement location in the user data area has succeeded; and when the recording of the data at the replacement location in the user data area has failed, controlling the recording/reproduction section to record the data at a location in the spare area.

Abstract: A system and method for facilitating consistent management of a repeatable contract audit, resolution and recovery process is disclosed. A methodology that tightly defines the contract audit, resolution and recovery events enables an audit team to evaluate supplier performance against a contract, ascertain the existing health of a contract, and identify opportunities to improve and/or re-engineer a contracting process. The method begins with a meeting with a client, followed by a meeting with the supplier, and progresses to a process review, data collection, and a data analysis, which results in recommendations that are presented to the supplier based on the findings of the audit team. The audit team then works with the supplier to resolve any issues identified by the data analysis.

Abstract: The present invention facilitates access to a restricted service related to secure transactions via a network. The present invention allows a user to select a minimum security level of authentication for its own login to a restricted service. The user's selected minimum security level of authentication may be registered in an authentication method system, so that the user must use the selected minimum security level for authentication in order to gain access to the restricted service. Alternatively, the user may specify that the selected minimum security level for authentication may be over-turned by the user, or optionally re-set to a new authentication method depending on the needs of the user. As such, the present invention allows the user the flexibility to select its own authentication method for accessing a restricted service.

Abstract: The present invention relates to valve plugs for reducing erosion of the valve plug head and/or seat. More specifically, this invention comprises a valve plug incorporating a choke transfer trim that reduces the time of exposure of the plug head and/or seat to high velocity and high pressure drop at the interface of the plug head and seat when the valve is in the closed position. The choke transfer trim transfers the flow control area of the valve away from the plug head/seat interface to a location downstream, thereby reducing erosion at the interface between the valve plug head and/or seat that is typically used for fluid throttling and shut off.

Abstract: The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided.

Abstract: In accordance with exemplary embodiments of the present invention, an eye is presented with a therapeutic optical structure (e.g., corneal reshaping or by way of a contact lens) that focuses the peripheral image field in at least one meridian in front of the mid peripheral retina. In general, the therapeutic optical structure places the peripheral image field with reference to the retina in the direction and amplitude that growth is needed in order that the emerging myopia would be regulated. In accordance with exemplary embodiments of the present invention, an eye is presented with a therapeutic optical structure that further produces a central retinal image that is focused on the central retina in at least one meridian so as to not reshape the central cornea.