Abstract: A method including receiving, at a payment-messaging system from a biller financial institution, a request comprising a public consumer token of a consumer. The consumer provided the public consumer token to a biller system of a biller for a bill payment by the consumer to the biller. The biller system provided the public consumer token to the biller financial institution. The biller financial institution maintains a biller account of the biller. The acts also can include determining a risk metric representing a risk of using the public consumer token for the bill payment. The acts additionally can include sending the risk metric from the payment-messaging system to the biller financial institution. The biller financial institution sends the risk metric to the biller system to allow the biller to determine whether to assume liability for the bill payment.

Abstract: A method including receiving, at a payment-messaging system from a payee financial institution, a request for payor profile information. The request can include a public identifier of a payor. The acts also can include determining, using a directory at the payment-messaging system, the payor profile information based on the request. The payor profile information can include a routing transit number for a payor financial institution that maintains a payor account of the payor when the payor financial institution is enabled to send real-time payments through a real-time settlement network. The payor profile information does not include an account number of the payor account.

Abstract: A fire extinguishing system for suppressing fires on cook stoves, fryers or other heating or heated devices with fire suppressant dispensed through nozzles is powered by batteries which provide current for both a detection circuit including a pair of heat sensors and control circuitry and current for a gas or electric house current shut-off. The appliance shut-off device is operated by the standard hardwired interconnect cable that provides a signal between the control board and shutoff device or by an optional sonic receiver assembly that is acoustically tuned to detect an audible alarm emitted by a signal from the main control board. Preferably, the heat sensors are diodes, but in alternative embodiments may be thermistors or active temperature sensors. Mounting of heat sensors and nozzles are facilitated by tees and 90 degree elbows.

Abstract: The chronological picture frame includes a plurality of picture windows arranged in a geometric pattern. Each picture window is dimensioned to display a photograph image or the like. Smaller chronological identification windows are disposed immediately beneath each corresponding picture window. Each smaller window is adapted to display indicia indicating a time period (age, year, season, etc.) related to the photograph in the immediate picture window. A single label window is centered at the top of the frame and is adapted to display the name or other relevant information relative to the subject of the display.

Abstract: A fire extinguishing system for suppressing fires on cook stoves, fryers or other heating or heated devices with fire suppressant dispensed through nozzles is powered by batteries which provide current for both a detection circuit including a pair of heat sensors and control circuitry and current for a gas or electric house current shut-off. The appliance shut-off device is operated by the standard hardwired interconnect cable that provides a signal between the control board and shutoff device or by an optional sonic receiver assembly that is acoustically tuned to detect an audible alarm emitted by a signal from the main control board. Preferably, the heat sensors are diodes, but in alternative embodiments may be thermistors or active temperature sensors. Mounting of heat sensors and nozzles are facilitated by tees and 90 degree elbows.

Abstract: A multi-bin sheet collection system comprising at least one secured stacking bin operatively configured to secure imaged sheets from general purview.

Abstract: A method for the treatment of a contaminated medium including the steps of introducing hydrogen into the contaminated medium, adding micron-sized metal catalyst particles to the contaminated medium, reacting the contaminated medium with the micron-sized metal catalyst and substantially retaining the catalyst particles in the contaminated medium. In another aspect, a system for the ex situ treatment of contaminated fluid including a vessel configured to receive the contaminated fluid, micron-sized metal catalyst particles located in the vessel, a hydrogen source positioned for delivering hydrogen to the contaminated fluid, and a membrane filter positioned to prevent the metal catalyst from eluting from the vessel.

Abstract: A multi-bin sheet collection system comprising at least one secured stacking bin operatively configured to secure imaged sheets from general purview.

Abstract: A low-cost header for connecting an electronic components board to a circuit board is disclosed, consisting of side walls made of an unwarpable plastic material and joined together to form a frame around an area substantially the same as the area of the components board. A plurality of metal pins are located in the frame, each having one end extending from said frame such that these ends can be soldered to the components board concurrently with the solder attachment of the components to the board. The other ends of the pins can be formed so that they are adjusted for either through-hole attachment to circuit boards, or for surface mounting.

Abstract: A low-cost header for connecting an electronic components board to a circuit board is disclosed, consisting of side walls made of an unwarpable plastic material and joined together to form a frame around an area substantially the same as the area of the components board. A plurality of metal pins are located in the frame, each having one end extending from said frame such that these ends can be soldered to the components board concurrently with the solder attachment of the components to the board. The other ends of the pins can be formed so that they are adjusted for either through-hole attachment to circuit boards, or for surface mounting.

Abstract: A low-cost header for connecting an electronic components board to a circuit board is disclosed, consisting of side walls made of an unwarpable plastic material and joined together to form a frame around an area substantially the same as the area of the components board. A plurality of metal pins are located in the frame, each having one end extending from said frame such that these ends can be soldered to the components board concurrently with the solder attachment of the components to the board. The other ends of the pins can be formed so that they are adjusted for either through-hole attachment to circuit boards, or for surface mounting.

Abstract: A low-cost header for connecting an electronic components board to a circuit board is disclosed, consisting of side walls made of an unwarpable plastic material and joined together to form a frame around an area substantially the same as the area of the components board. A plurality of metal pins are located in the frame, each having one end extending from said frame such that these ends can be soldered to the components board concurrently with the solder attachment of the components to the board. The other ends of the pins can be formed so that they are adjusted for either through-hole attachment to circuit boards, or for surface mounting.

Abstract: A process is provided for fabricating a semiconductor structure wherein the structure has to be exposed to certain oxidizing conditions during certain of its processing steps, such as its high temperature annealing in an oxidizing ambient. It includes depositing a "sacrificial" layer, such as silicon, to provide a uniformly oxidizing surface during subsequent annealing operations. This sacrificial layer, which oxidizes uniformly, produces an oxide layer which also etches uniformly. Thus, after the annealing is completed, the surface oxide is removed through etching and the sacrificial layer is then also removed through a different etching step.

Abstract: An improvement in the type of apparatus for applying adhesive to sheet materials wherein the sheet material is fed between a feed roller and an adhesive coated coating roller, and stripping elements thereafter strip the adhesive coated sheet material from the coating roller. The improvement comprises a main support mounted for rotation about the axis of the cleaning roller, the feed roller and the stripping elements being mounted on the main support for rotation therewith from an operating position to a cleaning position.