Abstract: Systems for effecting online financial transactions between individuals are disclosed. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. For a send money transaction, the user sending money (payor) enters an amount of funds to be transferred and an e-mail address of the recipient of the funds (payee). The transfer request may include an identity confirmation through which the payor confirms the identity of the payee. The system sends an e-mail message to the payee at the address provided indicating that the amount of funds has been “received” on the payee's behalf. The payee may open an online account or identify an existing online account to complete the transaction as well as provide identity confirmation for the payor. Upon confirmation, the transfer may occur.

Abstract: A stacked cabinet structure in which an upper cabinet is stacked on a lower cabinet supported and spaced therefrom by a spacer member providing a horizontally extending raceway for passage of utility wiring.

Abstract: An external locking mechanism for a filing cabinet incorporating two hinged blocking plates at each side of the cabinet and a locking bar which is movable without removal from attachment to the cabinet to positions such that the blocking plates can be selectively prevented from being moved to unblocked positions or permitted to be moved to unblocked positions.

Abstract: Systems and methods for effecting online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user accesses a fund exchange server to establish an online account, which is used to transfer funds to and from other entities' online accounts. To fund an online account, funds can be transferred to the online account from a funding account, e.g., credit card account, checking or savings account, or other account, or from another online account. To withdraw funds, money can be transferred to a funding account. A verification procedure requires that a user enter information sufficient to effect financial transfers to and from a funding account. The system deposits one or more small amounts into the funding account, and queries the user to enter the amount of each deposit. If the amount(s) match, the account is considered verified.

Abstract: Systems and methods for effecting online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user accesses a fund exchange server to establish an online account, which is used to transfer funds to and from other entities' online accounts. To fund an online account, funds can be transferred to the online account from a credit card account or from another online account. To withdraw funds, money can be transferred to a credit card account or other bank account. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. For a send money transaction, the user sending money (payor) enters an amount of funds to be transferred and an e-mail address of the recipient of the funds (payee). The system sends an e-mail message to the payee at the address provided indicating that the amount of funds has been “received” on the payee's behalf.

Abstract: An external locking mechanism for a filing cabinet incorporating two hinged blocking plates at each side of the cabinet and a locking bar which is movable without removal from attachment to the cabinet to positions such that the blocking plates can be selectively prevented from being moved to unblocked positions or permitted to be moved to unblocked positions.

Abstract: Disclosed are systems and methods for effecting international online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. In one embodiment, users are able to access one or more fund exchange servers to establish online accounts, which may then be used to transfer funds in a different currency to and from other user online accounts which may be in different countries. In another embodiment, a transfer request from a first user to transfer funds from a first online account to a second online account is processed, where the transfer request is made in a first currency. If accepted, the transfer request may be filled by depositing the requested funds in the second online account in a second currency.

Abstract: Disclosed are systems and methods for effecting international online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. In one embodiment, requests for international currency exchanges are processed in batch form. A currency accumulator may be used to keep track of currency exchange requests, where each currency is assigned a notional “bucket,” which is a symbolic representation of a database entry for the monetary amount which has been requested to be exchanged for a given currency. When the contents of a particular currency's “bucket” reaches a given level, the monetary amount in the bucket may be exchanged for an equivalent amount of a second currency.

Abstract: Disclosed are systems and methods for effecting international online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. In one embodiment, users are able to access one or more fund exchange servers to establish online accounts, which may then be used to transfer funds in a different currency to and from other user online accounts which may be in different countries. In another embodiment, a transfer request from a first user to transfer funds from a first online account to a second online account is processed, where the transfer request is made in a first currency. If accepted, the transfer request may be filled by depositing the requested funds in the second online account in a second currency.

Abstract: Systems and methods for effecting online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user accesses a fund exchange server to establish an online account, which is used to transfer funds to and from other entities' online accounts. To fund an online account, funds can be transferred to the online account from a credit card account or from another online account. To withdraw funds, money can be transferred to a credit card account or other bank account. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. For a send money transaction, the user sending money (payor) enters an amount of funds to be transferred and an e-mail address of the recipient of the funds (payee). The system sends an e-mail message to the payee at the address provided indicating that the amount of funds has been “received” on the payee's behalf.

Abstract: Systems and methods for effecting online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user accesses a fund exchange server to establish an online account, which is used to transfer funds to and from other entities' online accounts. To fund an online account, funds can be transferred to the online account from a credit card account or from another online account. To withdraw funds, money can be transferred to a credit card account or other bank account. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. For a send money transaction, the user sending money (payor) enters an amount of funds to be transferred and an e-mail address of the recipient of the funds (payee). The system sends an e-mail message to the payee at the address provided indicating that the amount of funds has been “received” on the payee's behalf.

Abstract: An electronic data management (EDM) system and a method using remote synchronized backup technique for outsourcing professional services is provided. In the present invention, a paper or electronic document from a service client is converted into an electronic document that conforms to any e-mail encoding protocols, and is transmitted to a main server of a service provider. The documents are categorized and stored by the e-mail addresses assigned to the document and are thus ready to be accessed by authorized users.

Abstract: Systems and methods for effecting online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user accesses a fund exchange server to establish an online account, which is used to transfer funds to and from other entities' online accounts. To fund an online account, funds can be transferred to the online account from a credit card account or from another online account. To withdraw funds, money can be transferred to a credit card account or other bank account. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. For a send money transaction, the user sending money (payor) enters an amount of funds to be transferred and an e-mail address of the recipient of the funds (payee). The system sends an e-mail message to the payee at the address provided indicating that the amount of funds has been “received” on the payee's behalf.

Abstract: A decorative lighting arrangement includes a support, especially a stake driven into the ground, and a lighting fixture including a socket and a light bulb mounted in the socket. A coupling connects the lighting fixture to the support so that the light bulb and at least a predominant portion of the socket are disposed upwardly of an upper region of the support to be visible thereat.

Abstract: An arrangement for mounting decorative lights on a variety of external building structures, including roof shingles, soffits, vinyl or metal gutters or the like, includes a mounting member having a support portion including at least one substantially cylindrical confining portion for receiving a portion of the respective decorative light. The mounting member further includes a mounting portion including a central portion extending substantially along the same plane as the support portion, and a pair of angled lateral portions flanking the central portion and extending out of the plane and back to it as considered in a direction away from the support portion. The central portion and the pair of lateral portions are operative for engaging oppositely facing surfaces of the respective building structure to at least frictionally detain the mounting member and, thus, the decorative light in place on the building structure.

Abstract: A miniature light fixture includes a miniature light bulb, an elongated folding element having a recess that receives a base portion of the light, and a socket bounding an internal passage for partially receiving the holding element in an assembled condition of the fixture. At least one hook-shaped projection to be used to effect extraction of the holding element out of the passage of the socket extends axially beyond an end portion of the holding element that is situated outside the passage in the assembled condition and includes an outwardly extending engageable nose on its free end. At least one protuberance and at least one associated depression are disposed on respective zones of the holding element and of a circumferential wall of the socket that are juxtaposed with one another in the assembled condition in which the depression receives the protuberance.

Abstract: An arrangement for mounting decorative items on cylindrical supports available at the premises to be decorated includes an elongated strap that is flexible for winding around the respective cylindrical support, and a fixture secured to one end of the strap and carrying a hook-shaped formation for suspending the decorative item therefrom. The strap has a series of ratchet-type teeth on one of its major surfaces, and the fixture has an aperture for the passage of the strap therethrough after having been wound around the cylindrical support. The fixture also includes a pawl-type holding member mounted thereon for pivoting between an engaging position in which it engages at the aperture behind one of the teeth of the strap, and a releasing position in which it frees the strap for unimpeded passage through the aperture.