Abstract: Credit applicants may apply for instant credit, and use an instant account number (“IAN”) to make purchases after the instant credit has been granted. Fraud control methods may be used in authorizing the instant credit. When the IAN is issued to purchase airline tickets, it can be ensured that the applicant's last name matches the passenger's last name for the airline ticket being purchased, and that the ticket will not be renamed or sold. When the IAN is issued in conjunction with a partner's loyalty or rewards program, the applicant's account information with the rewards program is captured. It is ensured that the applicant has some tenure with the partner and that data submitted by the applicant is consistent with data on file with the partner.

Abstract: In one embodiment, there is provided a non-volatile magnetic memory cell. The non-volatile magnetic memory cell comprises a switchable magnetic element; and a word line and a bit line to energize the switchable magnetic element; wherein at least one of the word line and the bit line comprises a magnetic sidewall that is discontinuous.

Abstract: For a user having a user input actuator, a virtual interface device, such as for a gaming machine, for determining actuation of a virtual input by the input actuator is disclosed. The device comprises a position sensing device for determining a location of the user input actuator and a controller coupled to the position sensing device, the controller determining whether a portion of the user input actuator is within a virtual input location in space defining the virtual input.

Abstract: A receiver in a CDMA system comprises a front end processor that generates a combined signal per source. A symbol estimator processes the combined signal to produce symbol estimates. An S-Matrix Generation module refines these symbol estimates based on the sub channel symbol estimates. An interference canceller is configured for cancelling interference from at least one of the plurality of received signals for producing at least one interference-cancelled signal.

Abstract: The present invention provides systems and methods for parallel interference suppression. In one embodiment of the invention, a processing engine is used to substantially cancel a plurality of interfering signals within a received signal. The processing engine includes a plurality of matrix generators that are used to generate matrices, each matrix comprising elements of a unique interfering signal selected for cancellation. The processing engine also includes one or more processors that use the matrices to generate cancellation operators. A plurality of applicators applies the cancellation operators to parallel but not necessarily unique input signals to substantially cancel the interfering signals from the input signals. These input signals may include received signals, interference cancelled signals and/or PN codes.

Abstract: A method and apparatus for providing a mobile service with the use of a code pattern is disclosed. In one embodiment, the method comprising: taking a photograph of a code pattern image, decoding the photographed code pattern image so as to obtain code information, extracting uniform resource locator (URL) information corresponding to the code information, transmitting a content information request message to a service provider server corresponding to the URL information, and receiving content information corresponding to the URL information from the service provider server. According to embodiments of the present invention, it is possible to provide various and convenient mobile services to mobile terminal users using a mobile terminal, having a camera, and a code pattern containing the URL information.

Abstract: Embodiments of the invention relate generally to data storage and computer memory, and more particularly, to systems, integrated circuits and methods for accessing memory in multiple layers of memory implementing, for example, third dimension memory technology. In a specific embodiment, an integrated circuit is configured to implement write buffers to access multiple layers of memory. For example, the integrated circuit can include memory cells disposed in multiple layers of memory. In one embodiment, the memory cells can be third dimension memory cells. The integrated circuit can also include read buffers that can be sized differently than the write buffers. In at least one embodiment, write buffers can be sized as a function of a write cycle. Each layer of memory can include a plurality of two-terminal memory elements that retain stored data in the absence of power and store data as a plurality of conductivity profiles.

Abstract: One-to-many comparisons of callers' words and/or voice prints with known words and/or voice prints to identify any substantial matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract different words, such as words of anger. The system may also segment at least a portion of the customer's voice to create a tone profile, and it formats the segmented words and tone profiles for network transmission to a server. The server compares the customer's words and/or tone profiles with multiple known words and/or tone profiles stored on a database to determine any substantial matches. The identification of any matches may be used for a variety of purposes, such as providing representative feedback or customer follow-up.

Abstract: The present invention relates to a process for producing an opaque, transparent or translucent transaction card having multiple features, such as a holographic foil, integrated circuit chip, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the signature on back of the card is visible from the front of the card and an active thru date on the front of the card. The invisible optically recognizable compound is preferably an infrared ink comprising an infrared phthalocyanine dye, an infrared phosphor, and a quantum dot energy transfer compound. The infrared ink can be detected by a sensor found in an ATM or card assembly line.

Abstract: A wireless financial transaction instrument, such as a card, has a magnetic stripe, a display, and an on-board power supply, such as a battery, and is usable with a dual capture point of sale terminal. Information is received by such a terminal from the card wirelessly, and also from the magnetic stripe, and the data received contactlessly is preferably used to verify that read from the stripe. The display can display the account number on command, or to display a current balance, or amount of credit remaining, or any combination of these items of information.

Abstract: A protocol element referred to as a secure handle is described which provides an efficient and reliable method for application-to-application signaling in multi-process and multi-computer environments. The secure handle includes an absolute memory reference which allows the kernel to more quickly and efficiently associate a network data packet with an application's communication context in the kernel.

Abstract: A message processing system is disclosed herein. A client computing device may receive an electronic message from a server via a network and via a forwarding operation on a condition that the electronic message is approved to be forwarded to a recipient. The client computing device may then receive from the server a message that the electronic message is unapproved, wherein the message includes a URL to view the unapproved electronic message and the electronic message is stored on the server with an indication that the electronic message is unapproved. The client computing device may then receive a list of unapproved electronic messages to display, wherein associated with the list are selectable options including to send the unapproved electronic message, to add a sender of the unapproved electronic message to an approved sender list, and to delete the unapproved electronic message.

Abstract: A system and method for managing the migration of software components among test servers that form a distributed software test environment to ensure that the software components in each of the test servers represent a production environment except for software components being tested. The system further ensures that component changes rolled out into production are not overridden when multiple update requests are made for the same component.

Abstract: Memory cell comprising two conductors, with a serially connected magnetic storage element and a Schottky diode between the two conductors. The Schottky diode provides a unidirectional conductive path between the two conductors and through the element. The Schottky diode is formed between a metal layer in one of the two conductors and a processed junction layer. Methods for process and for operation of the memory cell are also disclosed. The memory cell using the Schottky diode can be designed for high speed operation and with high density of integration. Advantageously, the junction layer can also be used as a hard mask for defining the individual magnetic storage element in the memory cell. The memory cell is particularly useful for magnetic random access memory (MRAM) circuits.

Abstract: Methods, systems and computer readable medium are presented for providing a response to a request. A request (e.g., a java request) is received by a computer-based system for providing a response to a request. The availability of the backend system (e.g., java dispatching system) request is analyzed in response to receiving the request. In response to a determination that the backend system is unavailable to process the request, an unavailable response is transmitted. In response to a determination that the backend system is available to process the request, the request is transmitted to a backend system to process the request.

Abstract: A receiver includes a first finger that receives a non-interference-cancelled signal and output first demodulated data, a first phase estimate, and a first PN code. The receiver also includes a second finger that selectively receives the non-interference-cancelled signal and a first interference-cancelled signal generated from the non-interference-cancelled signal based on the first phase estimate and the first PN code. The second finger also outputs second demodulated data.

Abstract: A coordination server of a contactless payment system may receive a total bill of purchases for a customer from a merchant point-of-sale terminal, associate the total bill of purchases with a unique identifier of an RFID tag of a check presenter, and receive notification that payment of the total bill of purchases is authorized. The coordination server may receive the unique identifier and payment information from a contactless-enabled device, and transmit the payment information and the total bill to the merchant point-of-sale terminal for transmittal to a merchant acquirer for completion of the transaction under business as usual standards. In one embodiment, the coordination server transmits the payment information and the total bill to a merchant acquirer, which then routes the payment request to an appropriate payment network. In another embodiment, the coordination server transmits the payment information and the total bill directly to the appropriate payment network.

Abstract: A system, method and computer program product for reconciling one or more financial transactions of one or more business units. The method includes capturing transaction data from the financial transactions using a first set of data logics. The capturing further includes extracting the transaction data from the financial transactions using import templates and transforming the extracted transaction data to a predefined format, using a first set of validations. The captured transaction data is then auto-matched with master data as reference, using one or more auto-match logics and a second set of validations. One or more reports are then generated on the auto-matched transaction data. The method further includes providing user privileges for controlling the capturing, the auto-matching, and the generation of the one or more reports according to a first predefined criterion.

Abstract: A system may provide state awareness across communication channels and statefully transition a user between a source channel and a destination channel. A method may include storing a unique identifier associated with the user and data associated with the user, retrieving the data associated with the user based upon the user identifier and in response to the user entering the destination channel that is different from the source channel, and populating the data associated with the user in the destination channel. The destination channel may include a display of a customer service representative, and the populating may occur automatically. Furthermore, the method may include placing a call to a telephone number associated with the user in response to at least one of: the user answering a requisite number of questions in the source channel and the user requesting a transition to a voice destination channel.

Abstract: A desired functionality expected for a wireless communication device may be accepted. Modules of the wireless communication device may be selected to achieve the desired functionality. Modules may include antennas, processors, and processing techniques.