Abstract: A system and method for extending credit to a purchaser at a point-of-sale terminal. A merchant registers with a host system operated by or for a lending financial institution. The host receives a request for an installment purchase agreement from a purchaser-borrower. The installment purchase agreement represents a payment instrument for payment to the merchant of a purchase price for goods or services selected for purchase by the purchaser-borrower from the merchant. The host system receives financial information from the purchaser-borrower and velocity data accessible to the host system. The host may determine from the financial information received from the purchaser-borrower whether the credit worthiness of the purchaser borrow exceeds a first threshold and determine from the velocity data whether a risk factor exceeds a second threshold.

Abstract: A system and method for extending credit to a purchaser at a point-of-sale terminal. A merchant registers with a host system operated by or for a lending financial institution. The host receives a request for an installment purchase agreement from a purchaser-borrower. The installment purchase agreement represents a payment instrument for payment to the merchant of a purchase price for goods or services selected for purchase by the purchaser-borrower from the merchant. The host system receives financial information from the purchaser-borrower and velocity data accessible to the host system. The host may determine from the financial information received from the purchaser-borrower whether the credit worthiness of the purchaser borrow exceeds a first threshold and determine from the velocity data whether a risk factor exceeds a second threshold.

Abstract: An improved wall panel system is disclosed. The system includes framed panels having side frame members, a top frame member, and a bottom support structure. Also included are a plurality of connection components including a connector post, an I-beam shaped connector, connectors, and decorative caps.

Abstract: An improved wall panel system is disclosed. The system includes framed panels having side frame members, a top frame member, and a bottom support structure. Also included are a plurality of connection components including a connector post, an I-beam shaped connector, connectors, and decorative caps.

Abstract: A rip guide setting tool for use in positioning and aligning elements of a table saw including the cutting blade and the rip fence or guide utilizing opposing arms of uniform length dimension pinned at their respective ends forming a parallelogram configuration which is adjustable to desired distances for achieving the alignment and positioning of the element or elements using one of the miter channels of the saw as an alignment reference.

Abstract: A point of sale system designed to read information from a consumer's check, credit card, or manual input with a subsequent debiting of a consumer's account and crediting merchant's account for the goods or services provided. Point of sale terminals are designed to accept a form of credit card with a consumer's bank account information encoded thereon or in the alternative to read the MICR number from a consumer's check in order to verify that a consumer has an appropriate balance to conduct the transaction with a given merchant. Thereafter the transaction of that information is transmitted to a central computer system which verifies the consumer's credit worthiness and stores the transaction event information for subsequent bank reconciliation via the ACH or other competing network. The invention eliminates the need for paper checks with all bank reconciliation being accomplished electronically.

Abstract: A point of sale system designed to read information from a consumer's check, credit card, or manual input with a subsequent debiting of a consumer's account and crediting merchant's account for the goods or services provided. Point of sale terminals are designed to accept a form of credit card with a consumer's bank account information encoded thereon or in the alternative to read the MICR number from a consumer's check in order to verify that a consumer has an appropriate balance to conduct the transaction with a given merchant. Thereafter the transaction of that information is transmitted to a central computer system which verifies the consumer's credit worthiness and stores the transaction event information for subsequent bank reconciliation via the ACH or other competing network. The invention eliminates the need for paper checks with all bank reconciliation being accomplished electronically.

Abstract: A point of sale system designed to accept payer account number input with a subsequent debiting of a payer account and crediting merchant's account for the goods or services provided. Point of sale terminals are designed to accept bank account information by manually keying, MICR reading of a payer check, OCR reading of a payer check, magnetic stripe reading of a payer debit card, or electronic reading of a payer smart card. Thereafter, the transaction information is transmitted to a central computer system which stores the transaction event information for subsequent bank reconciliation via the ACH or other competing network. The invention eliminates the need for paper checks with all bank reconciliation being accomplished electronically. Additionally, there is no need for the present system to retain the check after verification.

Abstract: A point of sale system designed to read information from a consumer's check, credit card, or manual input with a subsequent debiting of a consumer's account and crediting merchant's account for the goods or services provided. Point of sale terminals are designed to accept a form of credit card with a consumer's bank account information encoded thereon or in the alternative to read the MICR number from a consumer's check in order to verify that a consumer has an appropriate balance to conduct the transaction with a given merchant. Thereafter the transaction of that information is transmitted to a central computer system which verifies the consumer's credit worthiness and stores the transaction event information for subsequent bank reconciliation via the ACH or other competing network. The invention eliminates the need for paper checks with all bank reconciliation being accomplished electronically.

Abstract: A point of sale system designed to read information from a consumer's check, credit card, or manual input with a subsequent debiting of a consumer's account and crediting merchant's account for the goods or services provided. Point of sale terminals are designed to accept a form of credit card with a consumer's bank account information encoded thereon or in the alternative to read the MICR number from a consumer's check in order to verify that a consumer has an appropriate balance to conduct the transaction with a given merchant. Thereafter the transaction of that information is transmitted to a central computer system which verifies the consumer's credit worthiness and stores the transaction event information for subsequent bank reconciliation via the ACH or other competing network. The invention eliminates the need for paper checks with all bank reconciliation being accomplished electronically.

Abstract: A point of sale system designed to read information from a consumer's check, credit card, or manual input with a subsequent debiting of a consumer's account and crediting merchant's account for the goods or services provided. Point of sale terminals are designed to accept a form of credit card with a consumer's bank account information encoded thereon or in the alternative to read the MICR number from a consumer's check in order to verify that a consumer has an appropriate balance to conduct the transaction with a given merchant. Thereafter the transaction of that information is transmitted to a central computer system which verifies the consumer's credit worthiness and stores the transaction event information for subsequent bank reconciliation via the ACH or other competing network. The invention eliminates the need for paper checks with all bank reconciliation being accomplished electronically.

Abstract: A point of sale system designed to read information from a consumer's check, credit card, or manual input with a subsequent debiting of a consumer's account and crediting a merchant's account for the goods or services provided. Point of sale terminals are designed to accept a form of credit card with a consumer's bank account information encoded thereon or in the alternative to read the MICR number from a consumer's check in order to verify that a consumer has an appropriate balance to conduct the transaction with a given merchant. Thereafter the transaction of that information is transmitted to a central computer system which verifies the consumer's credit worthiness and stores the transaction event information for subsequent bank reconciliation via the ACH network. The invention eliminates the need for paper checks with all bank reconciliation being accomplished electronically.

Abstract: Apparatus for and process of heat treating open coils of strip metal, such as strip steel, by passing hot gases or atmospheres through spaces between spaced convolutions of the coil, in which a shielding structure is provided at the upper end of the coil where the coil edge portions are exposed to radiant heat from the furnace and where they may tend to move and distort from gas velocity or localized thermal expansion. The shielding structure protects these portions of the coil from excessive heat and restricts harmful movement thereof, thus improving the quality of the heat treated product. The disclosed shielding structure comprises spaced upwardly extending walls the height of which is sufficient to, and the spacing of which is such as to, prevent direct impingement of radiant heat on the upper end of the coil while permitting adequate flow of gas through the shielding structure for treating purposes.

Abstract: A point of sale system designed to read information from a consumer's check, credit card, or manual input with a subsequent debiting of a consumer's account and crediting merchant's account for the goods or services provided. Point of sale terminals are designed to accept a form of credit card with a consumer's bank account information encoded thereon or in the alternative to read the MICR number from a consumer's check in order to verify that a consumer has an appropriate balance to conduct the transaction with a given merchant. Thereafter the transaction of that information is transmitted to a central computer system which verifies the consumer's credit worthiness and stores the transaction event information for subsequent bank reconciliation via the ACH or other competing network. The invention eliminates the need for paper checks with all bank reconciliation being accomplished electronically.