Abstract: A payment transfer method for transferring funds from a payer to payee is provided, including designating a payee and specifying a payment amount and an account; debiting the funds from the account and crediting a first trust account; and identifying the payee by verifying responses received in response to one or more challenge-response questions defined by the payer. If the one or more responses are verified, a second trust account may be debited and a payee account credited with the payment amount. The first and second trust accounts may then be reconciled. There is also provided a payment transfer facility for transferring funds., comprising an application server for storing payment data relating to a transfer of funds and a notification server for providing a notification of the transfer of funds.

Abstract: A portable adapter for using a contact smart card with a contactless smart card reader and a contactless smart card with a contact smart card reader. The adaptor is provided with a casing that is configured to engage a contact smart card or a contactless smart card, and is provided with an exterior portion that physically cooperates via a contact pad with a contact smart card reader. The adapter is provided with an interface passing signals between a contactless smart card and a contact smart card reader, and an interface for passing signals between a contact smart card and a contactless smart card reader.

Abstract: A system and method is provided for managing multiple smart card sessions with multiple communications or computing devices in association with a single smart card reader. A wireless smart card reader is provided for communicating with a plurality of devices requiring smart card functionality in a number of smart card sessions, in which each smart card session is addressed with an identifier identifying a single device. The smart card session is secured by a wireless connection pairing and by a secure pairing, such that each connection between the smart card reader and a device is secured against all other devices in communication with the smart card reader using a master connection key, which is unique for each device.

Abstract: A multi-purpose tow bar for a trailer and a trailer having a multi-purpose tow bar. In a towing position the tow bar couples the trailer to a moving vehicle such as a bicycle. In a stabilizing position the tow bar supports a stabilizing wheel extending forwardly of the trailer frame, converting the trailer into a self-supporting vehicle such as a stroller or jogger. The tow bar is reversible, comprising first and second end portions which in the preferred embodiment respectively extend from one another at an angle.

Abstract: A skateboard deck and a method of manufacturing a skateboard deck is provided without requiring the use of industrial-grade machinery. Precut layers of veneer or other suitable material are coated with adhesive and stacked on a one-sided, negative-contoured mold and placed in a flexible-walled, airtight container from which the air is evacuated, so as to place pressure on the container and force the layers to conform to the contours of the mold. The air evacuation may be accomplished by means of a hand operated, non-electric vacuum pump.