Abstract: A method for providing mobile services, such as mobile financial services, includes providing a wireless handset or other device as an adjunct access device for a user account. The device is assigned a unique identification number, such as an MDN, MEID, or both. The unique identification number is associated with the account and in an exemplary embodiment, comprises at least a portion of the account number(s) with the service provider. Transactions are conducted with the handset access device and enhanced multi-factor and biometric security authentication may be provided. Handset voice, data, or other usage is settled and billed within the financial account. The service provider is able to download software, advertising, or content applications to the adjunct device and maintains the capability to disable the device. In a further aspect, a system for the execution of mobile transactions is provided.

Abstract: A handgrip apparatus for firearm includes a hollow housing defining a handgrip surface and forming an enclosure. A fastener is connected to the housing for removably attaching the handgrip apparatus to a fore-end portion of a firearm. A retractable leg assembly is movable between a retracted position and an extended position and includes a pair of pivoting legs usable as a bipod support when the leg assembly is in the extended position.

Abstract: Restraining devices for neck apparel, such as a necktie, for attaching an item of neck apparel in place on the shirt of a person wearing an item of neck apparel are provided, the shirt being of a type having a plurality of buttons spaced along its front. The restraining device comprises an elongate, flexible cord having a first button loop formed at a first end of the cord and a second button loop formed at a second end of the cord opposite the first end. The first and second button loops are adapted to releasably engage adjacent ones of the plurality of shirt buttons. In a further aspect, methods of securing a neck apparel device to a shirt are also provided.

Abstract: A security identification system and method for identifying and/or verifying subjects includes analyzing primary biometric data of a subject and comparing it to known biometric data in a database. Primary biometric analysis includes determining whether a match exists with respect to the primary biometric data and, if a match exists, whether the match is a strong match. If the primary match is not a strong match, secondary biometric data is input for the subject. Secondary biometric analysis includes determining whether a match exists with respect to the secondary biometric data and whether the match is a strong match. An indication of whether the subject is cleared is provided based on the primary biometric data and, if collected, the secondary biometric analysis. In further aspects, expert analysis and automatic feedback may also be provided.

Abstract: A prefabricated sealed composite insulating panel for use in commercial and residential buildings. The panel has an insulating core sandwiched between an outer board layer and a skin material that is capable of radiating heat. The insulating core and the skin material are positioned so that they are offset with respect to the outer board layer such that the insulating core and the skin material extend beyond the outer board layer on one lateral side and on one transverse end. The insulating core and the skin material are recessed, with respect to the outer board by equivalent dimensions, on an opposite lateral side and on an opposite transverse end. The insulating core is completely surrounded and encapsulated by a plastic channel that protects the insulating core during transportation and installation. The composite panel, according to the present invention, provides a completely sealed panel that can be easily and efficiently installed on-site.