Abstract: Electronic appliances, computer-implemented systems, non-transitory media, and methods are provided to identify risky network activities using intelligent algorithms. The appliances, systems, media, and methods enable rapid detection of risky activities.

Abstract: Electronic appliances, computer-implemented systems, non-transitory media, and methods are provided to identify risky network activities using intelligent algorithms. The appliances, systems, media, and methods enable rapid detection of risky activities.

Abstract: A fluid squeegee comprises nozzles in the squeegee head for spraying a fluid, such as water, onto a surface to be cleaned and a squeegee blade on the squeegee head for clearing away the fluid from the surface. A molded unit for the squeegee head includes a channel shaped mounting plate having a web portion between a lower flange portion and an upper flange portion. A squeegee blade is adapted to be mounted to the lower flange portion and nozzles are adapted to be mounted in the mounting plate or in a nozzle plate that is fixed over an aperture in the mounting plate. Hollow brace members and a hollow shaft socket are positioned on the intake side of the mounting plate. The hollow shaft socket includes discharge ports that are aligned with the hollow brace members, which extend radially away from the nozzle. The hollow brace members enclose the nozzles so as to create a sealed fluid passageway between the hollow shaft socket and the nozzles.

Abstract: Systems, methods, computer programs, merchant terminals, etc. for transferring funds between stored value card accounts are provided. One embodiment comprises a method for loading a stored value card. One such method comprises: identifying a first stored value card account associated with a first customer; receiving a selection from the first customer of a second stored value card account associated with a second customer and a load amount for transferring to the second stored value card account; and initiating a funds transfer of the load amount from the first stored value card account to the second stored value card account.

Abstract: A fluid squeegee comprises nozzles in the squeegee head for spraying a fluid, such as water, onto a surface to be cleaned and a squeegee blade on the squeegee head for clearing away the fluid from the surface. A molded unit for the squeegee head includes a channel shaped mounting plate having a web portion between a lower flange portion and an upper flange portion. A squeegee blade is adapted to be mounted to the lower flange portion and nozzles are adapted to be mounted in the mounting plate or in a nozzle plate that is fixed over an aperture in the mounting plate. Hollow brace members and a hollow shaft socket are positioned on the intake side of the mounting plate. The hollow shaft socket includes discharge ports that are aligned with the hollow brace members, which extend radially away from the nozzle. The hollow brace members enclose the nozzles so as to create a sealed fluid passageway between the hollow shaft socket and the nozzles.

Abstract: A fluid squeegee comprises nozzles in the squeegee head for spraying a fluid, such as water, onto a surface to be cleaned and a squeegee blade on the squeegee head for clearing away the fluid from the surface. A molded unit for the squeegee head includes a channel shaped mounting plate having a web portion between a lower flange portion and an upper flange portion. A squeegee blade is adapted to be mounted to the lower flange portion and nozzles are adapted to be mounted in the mounting plate or in a nozzle plate that is fixed over an aperture in the mounting plate. Hollow brace members and a hollow shaft socket are positioned on the intake side of the mounting plate. The hollow shaft socket includes discharge ports that are aligned with the hollow brace members, which extend radially away from the nozzle. The hollow brace members enclose the nozzles so as to create a sealed fluid passageway between the hollow shaft socket and the nozzles.

Abstract: Various embodiments of systems, methods, computer programs, merchant terminals, etc. for providing an on-us cash withdrawal service at a point-of-sale are provided. One embodiment comprises a method for providing a cash withdrawal service at a point-of-sale.

Abstract: Dynamic fee structuring in a stored valued program is provided. One embodiment is a system for implementing a stored value card program, which comprises: a device that provides stored value card services to a user; and a fee structure database for determining an amount of a transaction fee to charge a user for a stored value card service provided by the device.

Abstract: Customer enrollment in a stored value card program is provided. One embodiment is a method for enrolling a customer in a stored value card program. One such method comprises: generating a list of unaffiliated stored value card programs; and when enrolling a new customer in a new stored value card program at a device, determining whether the new customer has a stored value account with one of the unaffiliated stored value card programs.

Abstract: Systems, methods, computer programs, merchant terminals, etc. for transferring finds between stored value card accounts are provided. One embodiment comprises a method for loading a stored value card. One such method comprises: identifying a first stored value card account associated with a first customer; receiving a selection from the first customer of a second stored value card account associated with a second customer and a load amount for transferring to the second stored value card account; and initiating a funds transfer of the load amount from the first stored value card account to the second stored value card account.

Abstract: A family stored value card program is provided. One embodiment is a method for implementing a stored value card program. One such method comprises: identifying an existing stored value card account; and enabling a first customer associated with the existing stored value card account to establish a new stored value card account associated with a second customer, the new stored value card account linked to the first stored value card account.

Abstract: The present invention provides the ability to solicit and obtain updated information about a customer or person. The present invention can be incorporated into a service provision system and thus, request updated information from a customer attempting to access the service. In operation, when the customer requests a service, the customer either provides or is requested to provide sufficient information to identify the customer. The system then extracts a customer profile based on the identity of the customer. Portions or all of the customer profile is then presented to the customer to verify for correctness. If the information is incorrect, the customer can provide updated information immediately to the system. The system can force the customer to either update the information or affirmatively indicate the information is correct before providing the service.

Abstract: The present invention is a system, method and apparatus for a terminal capable of accepting debit/credit or ATM cards, checks, money orders, cashiers checks, travelers checks, as well as a drivers license, state identification card, birth certificate and additionally any type of information that may be inputted into the terminal such as, but not limited to, an individuals direct deposit account (DDA) number, savings account number, etc. to facilitate a purchase, transfer of funds, wire of funds, cash-back option, etc. at a merchant location. In addition, the present invention will allow an individual to purchase pre-paid credit-type cards, pre-paid telecom cards, stamps, etc. at the terminal.

Abstract: For financial transactions requiring PIN verification, the customer can now select his or her own number at the time of applying for the financial transaction instrument or account. The customer enters the PIN which is then encrypted using a transaction unique encryption scheme. The customer then re-enters the PIN which is once again encrypted using a transaction unique encryption scheme. As a result, two blocks of data are created for the same PIN, yet the encrypted values of the blocks are different. These blocks are provided to a central security system which can reverse the encryption process to a point at which it can generate an offset based on the received blocks. If the PINs were identically entered, the offsets will be equal, otherwise the offsets will not be equal. Thus, this technique allows a customer to select and enter his or her own PIN code, and have the PIN code entry verified by the system without the system actually knowing the value of the PIN code.

Abstract: Point-of-sale customer identification is provided. One embodiment is a merchant teminal comprising: a scanner for scanning a personal identification document corresponding to a customer requesting a point-of-sale transaction; and logic configured to identify customer data from a scanned image of the personal identification document. Another embodiment is a method implemented by a merchant terminal comprising: scanning a personal identification document corresponding to a customer; and generating customer data from a scanned image of the personal identification document.

Abstract: The invention is directed towards dynamically managing a financial account based on risk modules, aggregated data, and individual behavior, wherein the risk modules are calculated using current and real-time data used in conjunction with prospective as well as current customer data. The risk of loss associated with operating financial accounts is reduced because the parameters under which the financial accounts operate is adjusted based on the aggregated data and the analysis provided from the risk models. This allows additional customers to be obtained but optimizes the risk of loss for the financial institution.

Abstract: A fluid squeegee comprises nozzles in the squeegee head for spraying a fluid, such as water, onto a surface to be cleaned and a squeegee blade on the squeegee head for clearing away the fluid from the surface. A molded unit for the squeegee head includes a channel shaped mounting plate having a web portion between a lower flange portion and an upper flange portion. A squeegee blade is adapted to be mounted to the lower flange portion and nozzles are adapted to be mounted in the mounting plate or in a nozzle plate that is fixed over an aperture in the mounting plate. Hollow brace members and a hollow shaft socket are positioned on the intake side of the mounting plate. The hollow shaft socket includes discharge ports that are aligned with the hollow brace members, which extend radially away from the nozzle. The hollow brace members enclose the nozzles so as to create a sealed fluid passageway between the hollow shaft socket and the nozzles.

Abstract: A fluid squeegee head for a fluid squeegee is provided which includes a mounting plate having apertures defined therein for attaching a squeegee blade thereto. The mounting plate further includes nozzles extending therethrough. Hollow brace members and a hollow shaft socket are positioned on the intake side of the mounting plate. The hollow shaft socket includes discharge ports that are aligned with the hollow brace members which extend away radially. The hollow brace members enclose the nozzles so as to create a sealed fluid passageway between the hollow shaft socket and the nozzles. The fluid squeegee further includes a hollow shaft and hollow handle which are connected between a hose and the sgueegee head such that fluids can be discharged onto a surface to be cleaned via the nozzles.