Abstract: A common manner for disclosing information is through a presentation. A presentation is generated automatically to pursue a financial opportunity, such as to disclose to a potential client rationale to purchase a product. In addition, auxiliary tasks that relate to the presentation can be handled automatically, such as sending notices and assigning individuals to disclose the presentation.

Abstract: An adjustable sliding armrest that may be extendable in length and varied in rotational position is provided. The armrest generally includes a support member, a slide member, a locking mechanism, and a tilt adjusting mechanism. The support member and slide member are in slidable communication with one another, and the locking mechanism may serve to lock the position of the slide member with respect to the support member. Moreover, the tilt adjusting mechanism may be utilized to selectively increase or decrease the tilt angle of the armrest. Such features allow users of various arm lengths to adjust the armrest to their comfort.

Abstract: A system that enables secure data storage into a third party managed electronic storage vault is disclosed. This electronic storage vault provides customers with a secure location to store important data such as insurance policies, automobile titles, deeds, wills, birth certificates, tax documents or the like. An interface can be provided which secures (e.g., encrypts, digitally signs) data related to transmission, storage and retrieval. A management component can be employed to regulate (e.g., authenticate) deposit or access of documents to/from the storage vault.

Abstract: The innovation relates to a system and/or methodology for the convenient and consistent determination of rate exceptions for banking products. The system provides for a rate exception component that determines one or more proposed exception rates based on a customer's score, and information regarding the competitive banking environment for similar banking products. The customer scores and competitive banking environment data are determined by a data analytics component, which can update the data at regular intervals or when modifications to the data occur.

Abstract: A motion-powered liquid sprayer that can increase the number of rotations of the pump relative to each rotation of the wheel or axle is provided. The sprayer can include a gearing assembly that employs gears to increase the number of pump revolutions as a function of the wheel or axle rotation. The sprayer can also include a gear pump that employs an over-capacity or enhanced gullet together with blow-by spacing to control consistent liquid flow relative to variable motional velocities. Further, the sprayer can include a vertically adjustable nozzle as well as a free reverse rotation wheel hub.

Abstract: A vehicle seat system and method in which a seat belt restraint assembly is secured directly to the seat. The vehicle seat system includes a seat frame and a seat base that supports the seat frame. The system includes a first stop operating at rear portions of the seat base and seat frame to couple the seat base and seat frame and to limit forward pivoting movement of the seat frame upon sudden deceleration. The system may also include a second stop to limit rearward pivoting movement of the seat frame. The coupling of the seat base and seat frame provides the seat system with sufficient strength to satisfy load testing requirements and to provide comfort to the occupant. The vehicle system may include a tilt adjustment mechanism that allows tilting of the seat frame and that may also form part of a cushion slide mechanism.

Abstract: A browser cache-securing component facilitates online communication of confidential data, such as for financial information, purchasing transactions, or user identification. Caching webpages for subsequent presentation enhances user productivity and efficiency while reducing burdens on network resources. Yet, the security risks of intrusions into cache memory are mitigated by retaining encrypted data in cache memory without prior decryption. A modest overhead in decrypting when and if the webpage is to be presented again gains a security and privacy advantage without taking away functionality. Decrypted versions of confidential data can thereby be relegated to volatile memory. Upon termination of a session, a session key shared by a network server is deleted, preventing subsequent decryption. Executing the browser cache-securing component in a virtual machine environment allows multiple browser types to benefit from the security feature.

Abstract: A process (and corresponding system) that defines sequential steps for the introduction, validation, and testing of business applications of emerging technologies, for example mobile banking services, is provided. The innovation provides a definable model and process for rapid innovation with a quality emphasis through efficient pipeline management and performance measurements. For example, the innovation can adhere to an enterprise's e-commerce requirements for a formalized and measurable structure to efficiently and diligently manage new ideas that have the potential to become new products and services that positively impact business.

Abstract: A remote deposit capture system for distributed processing of check presentation can sense, or be instructed to differentiate, between deposit document types, including checks, cash withdrawals, and casino markets. Thereby, automated recognition and correction features can be selectively applied to an imaged deposit document. Thereby deposit documents that tend to use identical transaction codes, such as the same routing/transit numbers in magnetic ink character recognition (MICR) code line data, can be effectively processed without a high failure rate due to duplicate detection. Yet the advantages of duplicate detection are still leveraged against other deposit types. Alternatively or in addition, duplicate detection can be selected to not depend upon uniqueness of MICR code line data.

Abstract: Systems, devices, and methods are presented that facilitate electronic manipulation and detection of submicron particles. A particle manipulation device contains a plurality of electrodes formed on an active semiconductor layer of an integrated circuit chip, where the electrodes and gap spacing between adjacent electrodes is submicron in size. The chip is oriented with its substrate face up, and at least a portion of the substrate is removed from the chip so the electrodes are in close proximity to a fluid chamber(s) placed over the chip, to facilitate manipulation of particles, contained in a buffer solution in the fluid chamber(s), to form a defined pattern. Innovative macro-scale optical detection is employed to detect the submicron particles, where a light beam is applied to the defined pattern, and interaction of the defined pattern with the light beam is detected and evaluated to facilitate detecting the particles.

Abstract: A system that enables dynamic discrete decision simulation is provided. Simulation has many advantages in modeling complex systems to facilitate decision making. The innovation discloses a system that integrates an agent-based discrete event simulator, a geographic information system, a rule base, and interactive databases in addition to interfaces and other supporting components. The modules can seamlessly communicate with each other by exchanging a progression of data, and by making a series of deductive decisions through embedded algorithms. The integrated system can be applied to disaster management planning and training.

Abstract: Systems (and corresponding methodologies) that facilitate card-less financial transactions are provided. The innovation enables card-less ATM (automated teller machine) transactions such as cash withdrawals, transfers, balance inquiries, etc. In aspects, customers can set up an ‘electronic wallet’ account based upon a pre-set range or otherwise. Accordingly, access to the ‘electronic wallet’ is granted or denied based upon responses to challenges presented.