Abstract: This invention generally relates to automated shade systems. An automated shade system comprises one or more motorized window coverings, sensors, and controllers that use one or more algorithms to control operation of the automated shade control system. These algorithms may include information such as: 3-D models of a building and surrounding structures; shadow information; reflectance information; lighting and radiation information; ASHRAE clear sky algorithms; log information related to manual overrides; occupant preference information; motion information; real-time sky conditions; solar radiation on a building; a total foot-candle load on a structure; brightness overrides; actual and/or calculated BTU load; time-of-year information; and microclimate analysis.

Abstract: Accordingly, in various embodiments, the present invention provides methods for making electrochemically active materials. Methods include making an electrochemically active material by reacting a platinum group metal salt in a organic solvent to yield a mixture, then heating the mixture to create a metal-organic solvent complex and an acid, followed by removing at least a portion of the acid, and yielding an electrochemically active material comprising the metal-organic solvent complex. In an exemplary embodiment, the resulting electrochemically active material may be used for coating an electrode.

Abstract: An integrated driving assistance apparatus is provided, which is installed in a vehicle with a headlight, a turn signal light, and a side-view mirror. The integrated driving assistance apparatus includes a detector, an infrared emitter, an image sensor, and an image processor. The detector is configured to detect whether the headlight and the turn signal light are turned on or off respectively. The infrared emitter is located on the side-view mirror and irradiates infrared rays when the detector detects that the headlight is turned on. The image sensor is located on the side-view mirror for capturing an image of an area beside the vehicle. The image processor is coupled to the image sensor and the detector and configured to receive and process the image to generate a warning signal.

Abstract: Enabling remote customer service and maintenance using a visual identifier is disclosed. In response to a user enrolling in a service capability associated with a mobile device, the process utilizes a visual identifier to associate the service capability with the customer account, the service and the mobile device. The system allocates a visual identifier for each service capability and enables customer service agents to identify the service capability and mobile device, verify the user and retrieve information for the service interaction.

Abstract: A system and method for facilitating automatic reconciliation of transaction card transactions is disclosed, wherein a user may request single-use account codes via the Internet. The system comprises various hardware and software systems to enable a card member, program administrator, or any other designated third-party to request one or more single-use account codes. The requestor may further assign a descriptor for each of the one or more account codes. After receiving a requested account code, the requester may communicate the account code to a merchant to facilitate a purchase transaction. The system retrieves a list of transactions from the card issuer at regular intervals, matches the account codes in the list to an account code and associated descriptor, and records the reconciled transaction within a database.

Abstract: In accordance with various aspects of the present invention, a method and system for designing an inclined antenna array with a hybrid mechanical-electronic steering system with improved radiation performances at low elevation angles is presented. In an exemplary embodiment, a radiating element structure is attached to a mounting surface and includes a patch antenna and a ground plane. The bottom edge of the patch antenna is farther from the mounting surface than the top edge of the patch antenna. If the radiating element structure is used in an inclined array antenna, then the patch antenna has an uncovered view of a low elevation angle. Furthermore, at least a portion of a patch antenna may be uncovered and have a clear view. A clear view of the low elevation angle results in increased directivity and increased polarization quality due to reduced signal scattering.

Abstract: An educational interactive game of the invention includes a system for teaching financial skills to players, and in particular, children in the context of an interactive electronic game. Each player is initially provided a predetermined amount of periodic earned income, periodic expenses and a predetermined amount of cash on hand. These items are represented by corresponding indicia on an electronic display. An object of the game is for a player to generate passive income greater than the player's expenses by encountering game events that provide a player the opportunity to make financial choices to affect the desired outcome.

Abstract: Automated shade systems comprise motorized window coverings, sensors, and controllers that use algorithms to control operation of the automated shade control system. These algorithms may include information such as: 3-D models of a building and surrounding structures, shadow information, reflectance information, lighting and radiation information, ASHRAE clear sky algorithms, log information related to manual overrides, occupant preference information, motion information, real-time sky conditions, solar radiation on a building, a total foot-candle load on a structure, brightness overrides, actual and/or calculated BTU load, time-of-year information, and microclimate analysis.

Abstract: A system, apparatus and method of verifying operation of a vehicle fluid brake system shutoff valve is provided, wherein the shutoff valve is adapted to enable or inhibit the transmission of fluid pressure to at least one brake solenoid valve that controls operation of at least one brake actuator so as to effect wheel braking. In verifying operation of the system, the shutoff valve is commanded to inhibit the transmission of fluid pressure to the at least one brake solenoid valve, and the at least one brake solenoid valve is commanded to apply fluid pressure to the at least one brake actuator. An operational status of the shutoff valve is determined based on the absence or presence of wheel braking.

Abstract: A system and method for recovering a metal value from a metal-bearing ore material are provided. A metal-bearing ore can be mixed with certain substances and to form an agglomerated ore. In an intermediate state, between agglomeration and heap formation, bacteria can be added to the metal-bearing ore material to produce an augmented ore. The augmented ore can then be formed into a heap.

Abstract: The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers.

Abstract: Commercial size of spending wallet (“CSoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“CSoW”) is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. Government agencies, procurement departments, and others that patronize small businesses can use CSoW/CSoSW to determine businesses that should be awarded contracts and businesses that should be denied. CSoW/CSoSW may also be used to manage approved vendor lists.

Abstract: A frequency plan is provided for particular use in a transceiver. Advantageously, a single oscillator may be used to generate desired frequency signals. One or more power splitters receive the signal and equally divide the signal into first and second signals having a frequency substantially equal to the original. Multipliers on each arm of the transceiver receive a signal and increase the frequency of the signal. In one exemplary embodiment, multiple signals having different frequencies may be transmitted over the same cable due in part to the generated frequency separation between the signals. In another exemplary embodiment, multiple signals may be transmitted over multiple cables. Additionally, multiple signals over one or more cables may be transmitted at or below 3 GHz.

Abstract: A method for calibration of RF paths of a frequency hopping adaptive base transceiver station is provided. The method of calibration calibrates a wireless cellular telecommunication system with a frequency hopping adaptive base transceiver station including an adaptive antenna array with two or more RF traffic transceiver apparatus chains. The wireless cellular telecommunication system communicates with mobile units on a frequencies defined by a hop list. The method of calibration includes the step of periodically interrupting a frequency hopping process of the frequency hopping adaptive base transceiver station while calls are in progress. The method of calibration further includes the step of calibrating an antenna transmit path for a RF traffic transceiver apparatus chain at a frequency selected to include one or more frequencies in the hop list to determine a set of weighting parameters for the antenna transmit path at the one or more frequencies.

Abstract: The present invention is directed toward the design of lenses to incorporate elevation features in at least one annular zone on the posterior surface of the lens that engage the elevation differences of the eye while allowing the central zone of the lens to have conventional spherical, aspheric, multifocal or toric geometry. In various embodiments, lenses according to the present invention are rotationally stable, free of flexure and well centered over the pupil.

Abstract: In accordance with exemplary embodiments, the present invention provides scleral lenses comprising a central zone and at least one peripheral zone defined by an angle. In an exemplary embodiment, a peripheral zone is curved in either a concave or convex direction or is uncurved. In an exemplary embodiment, the angle for a plurality of semi-meridians or transverse sections can be varied to create a transverse undulation of a peripheral zone. In accordance with exemplary embodiments, the present invention provides scleral lenses that do not demonstrate excessive pressure on the sclera and that allow for post lens tear exchange. The present invention also provides kits of scleral lenses.

Abstract: A system, method, and computer program product are used to make recurring loan payments (e.g., mortgage payments) through a transaction card account. Information is received at a transaction account system from a loan company system corresponding to an application received at the loan company system from a requester for a loan involving automatic debits to a transaction card account. A determination is made as to whether the requestor is eligible for the loan to be associated with a transaction card account. If not, the customer receives a communication of rejection. If eligible, a determination is made whether the transaction account system has stored therein a transaction card account of the requestor. If no, a transaction card account is opened for the requester and associated with the loan. If yes, the loan payment is associated with the transaction card account bill. Periodic debits to the transaction card account are automatically made that correspond to a recurring loan payment amount for the loan.

Abstract: The present invention relates generally to a process for removing dissolved or colloidal silica from a pregnant leach solution (“PLS”). More particularly, an exemplary embodiment of the present invention relates to a process which mixes PLS with an acid source, preferably lean electrolyte, to induce formation of colloidal silica that can then be collected and removed. Additionally, in an exemplary embodiment of the present invention, at least one silica seeding agent is added to induce formation of colloidal silica, at least one flocculant is added to induce aggregation of the colloidal silica, and a solid-liquid separation process is utilized to remove advantageous amounts or substantially all of the colloidal silica, thereby providing relief from supersaturation of dissolved silica in the metal recovery processes.

Abstract: A frequency plan is provided for particular use in a transceiver. Advantageously, a single oscillator may be used to generate desired frequency signals. One or more power splitters receive the signal and equally divide the signal into first and second signals having a frequency substantially equal to the original. Multipliers on each arm of the transceiver receive a signal and increase the frequency of the signal. In one exemplary embodiment, multiple signals having different frequencies may be transmitted over the same cable due in part to the generated frequency separation between the signals. In another exemplary embodiment, multiple signals may be transmitted over multiple cables. In another exemplary embodiment, the frequency plan may self correct a transmit signal based on a reference signal, such as the receive signal. Additionally, multiple signals over one or more cables may be transmitted at or below 3 GHz.