Abstract: Embodiments of the invention relate to systems, methods, and computer program products for testing analytics. Embodiments herein disclosed provide for automating the collection and storage of test data, automating test performance calculations across a multitude of segments within the test group and automating test result information delivery.

Abstract: A method for enhancing video telephony that includes initiating a video telephone call from a first device to a second device, displaying a live video view by the first device, transferring video from the second device to the first device during the video telephone call, and overlaying the transferred video over the live video view displayed at the first device. The first device and the second device may be mobile devices. A portion of the transferred video may be selected and the selected portion displayed over the displayed live video view at the first device. The transferred video may be video taken from a camera on the second device. The transferred video may also be displayed over the live video view on a third device attached to the first device.

Abstract: Systems and methods provide the customer of a correspondent bank, having a pre-arranged relationship with an ATM bank to use the ATM bank's ATM network, with the opportunity to deposit funds via check or cash using the ATM bank's ATM network. A correspondent bank profile and/or individual customer profiles are created and stored on the ATMs of the ATM bank and/or the backend system. The correspondent bank customer initiates a transaction with an ATM on the ATM network, is authenticated, and the ATM determines the customer is a customer of the correspondent bank. Based thereon, the ATM offers the customer the option to perform a deposit transaction. The ATM bank clears the deposited funds and sends transaction information to the correspondent bank including MICR data, check image, and transaction information. The transaction is settled through a demand deposit account owned by the correspondent bank and maintained by the ATM bank.

Abstract: Embodiments of the present invention relate to methods and apparatuses for implementing, in connection with a HELOC account, a loan management tool. In some embodiments, the method includes: storing information relating to a loan account associated with a borrower, segmenting the loan account into one or more spend categories, and allocating purchases and payments, or portions thereof, made by the borrower to at least one of the one or more spend categories. In addition, the method may further include receiving from the borrower an input and calculating, based on the input, an output, wherein the output comprises at least one of the anticipated payoff date, the monthly payment amount, and the total saved interest.

Abstract: Embodiments of the present invention provide apparatuses, methods, and computer program products that allow for interaction with a user at an automated teller machine (ATM) based on pre-established user preferences. For example, an ATM is provided having: (1) a user interface configured to receive user identifying information from a user; and (2) a processing device operatively coupled to the user interface and configured to use the user identifying information to determine a pre-established user preference, wherein the processing device is further configured to use the user interface to interact with the user based at least partially on the pre-established user preference.

Abstract: A device may capture an image in a portable device, embed a watermark into the image in the portable device, and transmit the watermarked image through a wireless interface of the portable device.

Abstract: A method includes detecting one or more physical contacts between the device and another device and determining whether the one or more physical contacts correspond to one or more taps. The method further includes initiating a discovery request to the other device, when it is determined that the physical contact corresponds to the one or more taps, and communicating to the other device when a communication link is established between the device and the other device based on the discovery request.

Abstract: A semiconductor wafer cleaning formulation, including 1-35% wt. fluoride source, 20-60% wt. organic amine(s), 0.1-40% wt. nitrogenous component, e.g., a nitrogen-containing carboxylic acid or an imine, 20-50% wt. water, and 0-21% wt. metal chelating agent(s). The formulations are useful to remove residue from wafers following a resist plasma ashing step, such as inorganic residue from semiconductor wafers containing delicate copper interconnecting structures.

Abstract: Methods of treating or preventing a vertigo, nausea, or vomiting condition comprising injecting a subject with a pharmaceutically acceptable formulation consisting essentially of an effective amount of meclizine or a pharmaceutically acceptable salt thereof, a chemically modified cyclodextrin, and an aqueous carrier medium having a pH between about 2 and about 7 are disclosed. An injectable pharmaceutical formulation for treating or preventing a vertigo, nausea, or vomiting condition consisting essentially of an effective amount of meclizine, a chemically modified cyclodextrin, and an aqueous carrier medium having a pH between about 2 and about 7 is also disclosed.

Abstract: Centralized check image storage system. The present invention provides for sharing check images stored in a substantially centralized storage system between and/or among banks in support of the check collection process. In some embodiments, check images are received from the capture bank via a landing zone at the centralized storage facility. These images and information supporting the check collection process can be in the form of load file. A cross-reference file including information supporting the check clearing process such as unique handles identifying the check images is received from a paying bank, possibly also via a landing zone. Check images can be identified based on these unique handles, so that the check images can be made accessible to both the capture bank and the paying bank from the substantially centralized storage system.

Abstract: A garment to reduce an animal's anxiety, fearfulness, overexcitement, or a combination thereof. The garment may include a central portion, flaps extending from opposite sides of the central portion, and, in some cases, a cinching member that extends from a central area of the central portion. The flaps may be fastened together around the chest and stomach of the animal, and the cinching member may be fastened to the central portion or one or more flaps to tighten the garment further, applying pressure to reduce anxiety, fearfulness, or over-excitement. Straps may be provided to secure the garment to the animal's neck. One material that may be used in making the garment is a fabric made of 55% cotton, 35% polyester, and 10% spandex. The animal may generally be any animal with four legs, for example, a dog or cat, or two arms and two legs, for example, a monkey.

Abstract: A primary user interface is configured to receive uploaded data sets stored in a primary memory means each describing a 3D graphics data structure in a respective source format. A secondary user interface receives request messages from user clients and in response, provides the clients access to specified data sets. Upon receipt of a request message, an examining entity identifies a graphics rendering capability of the client originating the message, and investigates whether or not the client is equipped with a viewer capable of visualizing the requested data set. A viewer database contains software modules adapted to implement at least two different viewers, where each viewer is configured to visualize the stored data sets on at least one type of client.

Abstract: A mobile communication device with a display may be configured to apply pulse width modulation (PWM) signals to light emitting diodes (LEDs) for providing backlighting for the display, monitor ambient light conditions during off periods of PWM signals applied to the LEDs and adjust the PWM signals based the monitored ambient light conditions.

Abstract: A sizing center for and a method of sizing different styles of window coverings includes at least two sizing mechanisms disposed on a sizing center in which each sizing mechanism is adapted to size a different style of window covering. Each window covering includes a color marking. At least two measuring scales are disposed on the sizing center, each measuring scale being associated with a sizing mechanism and having a different color, and each color associated with a sizing center being associated with a color marking of a window covering.

Abstract: Embodiments of the present invention relate to methods and apparatuses for implementing, in connection with a loan account, a loan management tool. In some embodiments, the method includes: storing information relating to a loan account associated with a borrower in a storage device, wherein a first interest rate is associated with the loan account, segmenting the loan account into at least a first spend category, and associating a second interest rate with the first spend category, wherein the second interest rate is different from the first interest rate. The method may also include receiving a payment comprising a first portion based on the first interest rate and a second portion based on the second interest rate, and applying a first portion of the payment to reducing a balance of the first spend category. The systems and methods of the present invention are used in connection with a HELOC account.

Abstract: A device may receive a signal that includes information about a touch pattern on a surface of the tag, identify the touch pattern based on the received signal, validate tag-specific information in the received signal by comparing the identified touch pattern and information that is stored prior to receiving the signal, and perform an action that is specified by the tag-specific information if the tag-specific information is validated.

Abstract: A status of one or more subsystems positioned on one or more trailers is communicated to a tractor electrically and mechanically connected to the trailer. The status may be automatically supplied by the subsystem or may be requested either by the operator of the tractor/trailer combination or automatically by another subsystem on either the tractor or the trailer. A spread spectrum data communications signal representing the status of a respective subsystem is superposed on the power bus. The status of the respective subsystem can then be determined from the spread spectrum data communications signal. Preferably, the status of the subsystem is indicated to an operator positioned on the tractor. A command for controlling a subsystem on a trailer can also be communicated from the tractor to the trailer over the power bus. A spread spectrum data communications signal representing the command is produced on the power bus, and the subsystem is controlled based on the spread spectrum data communications signal.