Abstract: A system for transferring electronic funds data includes portable modules (20) each having a display (24) and a keyboard (26) together with an optical interface (36) adapted to transfer electronic funds data to other modules either directly or over the telephone lines through resident units (62). The modules (20) are operable in either a credit mode or a debit mode using a selector switch (30). Prior to establishing communication, the module determines whether it is in communication with another module or with a resident unit, then undergoes a "handshaking" protocol to establish half-duplex, bidirectional communication, before funds are actually transferred. Transaction records are retained in a random access memory (44) within each module. The transaction records are periodically downloaded to a central computer, or printed locally to generate a hard copy. Other applications of the system include monitoring physiological data, maintaining work-time records and monitoring radiation dosage.

Abstract: A system for transferring funds in lieu of cash or other data comprises portable funds transfer modules issued by a bank or other financial institution and carried by each member who may be a vendee or vendor. A first type module (20) comprises a housing (22) containing a keyboard (24) for entering data, a display (26) and a switch (30) for identifying data type. Within the housing (22) is signal processing and storage circuitry, and an optical transceiver (32, 34), coupled to the circuitry, is exposed through the housing. A second type module (42) has a housing (44) that is smaller than the housing of the first type module and includes only the internal circuitry and exposed optical transceiver (48, 50); there is no display or keyboard.

Abstract: A wind responsive power generating apparatus (20) comprises a pair of normally mutually orthagonal cross arms (22,24) carrying impeller members (22a,22b, 24a,24b) that apply torque to a load (38) through an output shaft (26). The power output of the apparatus (20) is reduced from maximum by reducing the angle between adjacent cross arms and simultaneously rotating impeller members about corresponding cross arm axes to provide air spillthrough. The impellers are selectively vented by valves (46) to reduce drag as each impeller member swings upstream. Operation of the valves (46) is synchronized to impeller rotation and wind direction by a synchronization device (54). Various different types of impeller members and applications are disclosed.