Abstract: A method and system automatically harmonizes access to a given software application program via different access devices. Through use of the method and system, a financial institution can provide access to a given application (such as, for example, automatic bill payment services) to customers using different access devices such web browsers, screen phones and personal computers. A single application program is all that needs to be written and maintained by the financial institution. Also, the method and system enables financial institutions to “leverage” existing programs because now the institution can automatically “project” its existing stock of program services unto new access devices—devices which may not have even existed at the time the program was created.

Abstract: Prefilled, disposable syringes for injecting preparations with a fill volume of less than 5 ml are typically made of glass. The disposable syringe in this invention avoids the use of glass as a construction material. The body of the syringe with barrel, grip and nozzle is made of transparent, glass-like plastic with a very low gas permeability and is designed to be resistant to gamma rays and/or ethylene oxide gas, whereby the hypodermic needle is directly integrated within the plastic nozzle.

Abstract: A method for producing capacitor-node contact plugs of a dynamic random access memory, comprising: providing a semiconductor substrate; forming at least one gate structure separated by a first isolation layer as a word line, and forming a source region and a drain region next to the word line; forming a second isolation layer to cover the first isolation layer, word line, source region, and drain region; forming a first landing pad, which passes through the second isolation layer and couples to the source region, wherein the first landing pad is offset a given distance along the word line; forming a third isolation layer to cover the second isolation layer and the first landing pad; forming a second landing pad coupled to the drain region through the second isolation layer and the third isolation layer; forming at least one bit line separated by a fourth isolation layer along the vertical direction to the word line, wherein the at least one bit line is coupled to the second landing pad; forming a fifth isolat

Abstract: A computerized method and system for automatic deferment of debt on a credit account of a customer of a financial institution includes a credit protector system of the financial institution which receives a request for enrollment for the customer and automatically marks a file for the credit account with information about enrollment for activation of deferment of debt on the account upon verification of an event such as hospitalization, unemployment, disability or family leave of the customer. The account file is also marked with a maximum fee charge date counter which automatically prompts transmittal of a fee charge paid up notice to the customer when the maximum fee charge period expires.

Abstract: A method for fabricating a self-aligned contact hole in accordance with the present invention is disclosed. First a conductive layer, a silicon oxide layer, and a first silicon nitride layer are formed on a silicon substrate. Next, the first silicon nitride layer, the silicon oxide layer, and the conductive layer are etched to form a trench. Then, a BPSG layer is formed over the first silicon nitride layer. A photoresist layer having an opening is defined. Then, using the photoresist layer as the masking layer, a part of BPSG layer is etched to form a self-aligned hole. Next, the photoresist layer is removed. Afterward, a second silicon nitride layer is formed and etched back to form a spacer.

Abstract: The present invention describes a dual suspension catenary system which includes aspects of both an internal catenary system and an external catenary system. The dual suspension catenary system of the present invention retains and expands upon the advantages of the internal and external catenary systems, such as larger payload suspension and envelope integrity while decreasing the disadvantages (e.g., envelope breach and aesthetics).

Abstract: A method and system for presentment of bills on a computer network includes a biller account hosted on a server of a bill service provider for receiving a bill file from a biller that includes bill data. The biller account automatically formats a bill for a consumer from the bill data. The bill file from which the bill is automatically formatted includes a bill template and bill content and may also include a temporary resource. A document server coupled to the bill service provider's server receives and automatically stores the formatted bill in a storage location. The formatted bill consists of an electronic mail message, and the storage location is an electronic mailbox. The stored bill is accessed and displayed by the consumer on a consumer terminal coupled to the document server. The consumer may pay the bill through a bill payment processor.

Abstract: A financial information and transaction system comprising a host financial computer system, which host system maintains records of user account information; at least one terminal providing a user interface for accessing the host financial computer system, the at least one terminal including a means for transmitting and receiving data corresponding to the user account information, and a smart card interface device; wherein access to the records of user account information are organized in a hierarchy of three or more levels, which hierarchy comprises an initial level, a final level, and one or more intervening levels; wherein the records of user account information are accessed by passing through the hierarchy of three or more levels; and wherein means are provided for allowing access to the final level in the hierarchy by an automated task without passing through the one or more intervening levels is described.

Abstract: The invention relates to a textile support (1) for reinforcing clothing or pieces of clothing, in the form of a layer of nonwoven textile (2) reinforced by at least one warp knit fabric (3) having floats between the columns (5) of stitches.

Abstract: A method for automatized combustion of solid fuel in a combustion apparatus which comprises a burner with a device, which is rotatable about the center axis of the burner for stirring the fuel in the burner which is connected to a boiler and has a feeding-in opening for fuel in the rear end of the burner outside of the boiler and an outlet opening for completely or partly combusted flue gases in the front end of the burner which opens in a combustion chamber inside the boiler which comprises a convection unit, from which a hot water conduit extends, the combustion apparatus also including a fan provided to be driven by a second motor for blowing combustion air into the burner, and a fuel charge feeder for fuel provided to be driven by a third motor.

Abstract: The present invention relates to a vehicle seat, which can normally move between a lower end position and an upper end position. The seat comprises a bellows for cushioning/dampening movements of the seat in a vertical direction and also a belt reel which together with a belt is capable of locking the position of the seat at an optional height between the end positions.

Abstract: The invention relates to a textile support (1) for reinforcing a shirt collar or a similar piece of clothing, in the form of a nonwoven textile lap (2) reinforced by a knitted fabric (3) and comprising capstan yarns (4, 5), extending along the warp, between the stitch wales The invention also relates to a shirt collar or similar piece of clothing comprising such a textile support, as well as a process for obtaining such a collar.

Abstract: A method and system for financial spreading and forecasting provides a computerized system for automatically spreading and analyzing historical financial statements and generating financial forecasts. The system receives and stores information about a company, forecast parameters, including, for example, inflation adjustments, exchange rates, last historic year, and historical account data for the company, and automatically generates financial forecasts for the company. Information can be imported to the system and exported from the system, for example, over a network.

Abstract: The present invention, an embodiment of which is known as Crossmar Matching Service (CMS) provides a method and system for matching order routing of securities and other instrument types, and for matching other transaction information on a post-execution basis, such as during the confirmation and settlement phase. The functions of the present invention occur on the post-execution side of the value chain and include matching the financials, matching the delivery instructions, and confirming those deliveries and instructions. The method and system of the present invention thus further provide a confirmation and settlement system for these functions.

Abstract: The invention relates to an electromagnetic actuator for a rapid linear motion with a limited length of stroke. The electromagnetic actuator includes a stationary arranged first coil (1, 6) and a second movable coil (2), with the winding of the stationary coil connected to controllable power source (7) and the winding of the movable coil is short-circuited without any galvanic connection to an external power source The ends of the winding of the movable coil of the electromagnetic actuator is short-circuited via a rectifier element (9), preferably a diode. The diode allows a current to be developed in one direction only in the winding of the second coil, said current being induced from an electromagnetic field generated by a current through the first coil. In this manner is a double-acting electromagnetic actuator with very low weight obtained, resulting in very rapid response and high reliability, due to the lack of any external electrical connections to the movable coil.

Abstract: A drive wheel for off-center drive of an annular saw blade in a cutting machine, consists of at least two components, which are separable but held together during operation, namely a holding disc and a drive ring, the latter having an encircling drive groove for the inner edge of the saw blade, the drive ring being arranged radially outside a central portion of the holder disc.

Abstract: A device for a differential gear for vehicles having a driving mechanism capable of driving the vehicle and a steering mechanism capable of changing the direction of the vehicle, which differential gear has an input driving shaft, two output shafts connected to the vehicle's driving mechanism, at least one hydraulic pump capable of producing a hydraulic flow, and at least one hydraulic motor communicating with the hydraulic pump and arranged to the differential gear, capable of achieving a difference in rotational speed between the output shafts. The device is capable of regulating the hydraulic flow between the hydraulic pump and the hydraulic motor depending on the steering direction of the steering mechanism and the velocity of the vehicle.

Abstract: A method and system for providing specialized contacts for electronic information on a smart card or other device in the pattern of a source identifier, such that a machine may contact and read the information upon placement of the card in the machine. The contact points for reading information on the card are formed by etching a substrate attached to the logic element of the smart card. The etching allows both the foreground and the background of an image, in two selected colors, to be included within the contact area of the smart card, with the foreground constituting the conductor and the background the substrate. Additionally, the present invention provides electrostatic discharge (ESD) protection for a semiconductor circuit within the smart card without changing the appearance or method of forming the contact points.

Abstract: A global standard messaging system and process for allowing customers to access a full range of global financial services using a variety of access points. The system includes a global communications network that integrates customer information and makes the information accessible from remote locations. The system includes a comprehensive database assembled from diverse sources and systems and processes for retrieving the information from the central database in a meaningful and practical way. The system includes several levels of access communications as well as built-in flexibility so that it can be accessed by a variety of remote systems of varying degrees of complexity and language. System and process permit rapid communication among worldwide users of the service as may be desired by industries relating to the transfer of finances.