Abstract: Information can be shared across a pre-approved (PA) channel and a non pre-approved (NPA) channel to reduce unnecessary offers of a transactional instrument or transactional instrument upgrade to prospects. All prospects listed in the NPA channel that have been evaluated in the PA channel may be removed from a NPA offeree list. This may be done by matching the NPA prospect list with a list of prospects who have been evaluated in the PA channel. The list of prospects evaluated in the PA channel may include, for example, prospects who were pre-approved for an offer as well as prospects who were considered for a pre-approved offer but who were denied the offer. Prospects in the NPA channel that are removed from the NPA offer list may be dropped from further NPA processing, as such prospects are either unprofitable or do not meet a transactional account company's standards for credit.

Abstract: Various methods and tools optically analyze downhole fluid properties in situ. Some disclosed downhole optical radiometry tools include a tool body having a sample cell for fluid flow. A light beam passes through the sample cell and a spectral operation unit (SOU) such as a prism, filter, interferometer, or multivariate optical element (MOE). The resulting light provides a signal indicative of one or more properties of the fluid. A sensor configuration using electrically balanced thermopiles offers a high sensitivity over a wide temperature range. Further sensitivity is achieved by modulating the light beam and/or by providing a reference light beam that does not interact with the fluid flow. To provide a wide spectral range, some embodiments include multiple filaments in the light source, each filament having a different emission spectrum. Moreover, some embodiments include a second light source, sample cell, SOU, and detector to provide increased range, flexibility, and reliability.

Abstract: Methods of making a degradable ball composition comprising a carboxylic acid, a fatty alcohol, a fatty acid salt, a fatty ester, or a combination thereof comprising the steps of: forming a thermoplastic mass, and allowing the thermoplastic mass to cool as to form a degradable ball that is introduced in subterranean treatments by a carrier fluid.

Abstract: The invention relates to a process for identifying and authenticating an object. The object includes an identifier which has a code region and a scattering region and is irradiated with electromagnetic radiation for identifying and/or authenticating the object, in such a manner that the electromagnetic radiation reflected by the code region is used for identifying the object and the electromagnetic radiation reflected by the scattering region is used for authenticating the object. In addition, the invention relates to a device for the parallel identification and authentication of an object.

Abstract: An automated banking machine operates responsive to data read from data bearing records. The data corresponds to user card data received from a cell phone. The machine generates and displays a random number correlated with a time period. The machine user inputs the displayed random number into their phone. A software application in the phone encrypts the selected card data along with the inputted random number. The phone then displays a bar code image containing the encrypted data. The machine includes a bar code reader to read the displayed image. The machine can decrypt the random number and the card data from the read image. The random number is used to verify the current banking transaction session. The process replaces physical insertion of a card yet allows secure input of card data.

Abstract: A tag detecting system for detecting a movement of a person or an object that mounts an RFID tag, a moving object detecting method, and an entrance/exit management system using the moving object detecting system are provided. The tag detecting system detects a specific person or object by restricting a detection area of the RFID tag to a narrow area. Since the moving object detecting method detects a piggyback, the entrance/exit system prevents the piggyback even if there are a number of persons passing through an entrance/exit gate almost at the same time.

Abstract: An automated banking machine system includes an automated banking machine controlled responsive to data bearing records. The machine includes a card reader that is operative to read user identifying data from user cards. The system authorizes machine operation responsive to the user identifying data corresponding to an authorized user data. The machine also includes a check accepting device that comprises a plurality of sensors for determining locations of checks during check processing.

Abstract: An applicator for cosmetic material such as mascara, including an applicator head for transporting and applying the cosmetic material, a handle, a stem bearing the applicator head and received in and guided by the handle so as to be longitudinally reciprocable relative thereto, and actuating mechanism carried by the handle for moving the stem longitudinally back and forth relative to the handle.

Abstract: A collective knowledge set of business relationship information from a plurality of sources is generated. The collective knowledge set is mapped as a plurality of navigable paths forming a business relationship network between a source and a target. One or more of the paths are identified as candidate paths most likely to lead to a business relationship between the source and the target based on evaluation criteria.

Abstract: A cosmetic applicator for transporting and applying cosmetic material, including a rotating applicator tip which, when rotated, dispenses cosmetic material onto the tip such that the user does not need to periodically dip the applicator tip into a reservoir of cosmetic material.

Abstract: A cosmetic applicator for transporting and applying cosmetic material, including flocked applicators, a method for making applicators, and cosmetic dispensers including such applicators. The fibers of the flocking can vary in length, density, distribution and/or color.

Abstract: A method, system, and computer readable storage medium for auditing the installation of smart meters via a computer system. The method includes receiving a plurality of installation data for each smart meter installed; loading the plurality of installation data into an auditing utility operating on the computer system based on auditing criteria; performing an audit for each smart meter installed via the auditing utility; submitting the audit for each smart meter installed for recording in an audits database; verifying the audit for each smart meter installed; and generating and analyzing audit reports stored in the audits database.

Abstract: The invention is related to intracellularly induced bacterial DNA promoters and vaccines against Bacillus anthracis.

Abstract: The invention provides a method for promoting differentiation of a mature naïve B cell or a B cell progenitor into a memory B cell or a plasma cell. The method comprises (a) contacting a population of cells comprising a mature naïve B cell or a B cell progenitor with an agent that activates at least one of JAK1, JAK3, STAT3, STAT5A or STAT5B; wherein the population of cells optionally is contacted with an antigen, and (b) isolating the memory B cell or plasma cell.

Abstract: An automated banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that operates to read card data from user cards. The card data corresponds to financial accounts. The automated banking machine includes a cash dispenser and the machine carries out transaction functions for consumers including dispensing cash responsive to. The amount of cash dispensed is verified through communication with a security manager.

Abstract: An automated banking machine operates responsive to data read from data bearing records. The data corresponds to user card data received from a cell phone. The machine generates and displays a random number correlated with a time period. The machine user inputs the displayed random number into their phone. A software application in the phone encrypts the selected card data along with the inputted random number. The phone then displays a bar code image containing the encrypted data. The machine includes a bar code reader to read the displayed image. The machine can decrypt the random number and the card data from the read image. The random number is used to verify the current banking transaction session. The process replaces physical insertion of a card yet allows secure input of card data.

Abstract: The present disclosure facilitates gesture-based interaction with a computer-system. The method may comprise pairing a transaction account with a likeness, receiving the likeness and a transaction request based upon the location of a marker in three dimensional space, retrieving the transaction account paired with the likeness, and approving the transaction request at least partially based upon the transaction account and the likeness.

Abstract: A method of facilitating payments to service providers such as medical practitioners wherein a virtual payment card issued by a card processor is processed by the service provider responsive to a first payment. The merchant identification number of the service provider and its associated acquirer are captured by the card processor. Subsequent payments to the service provider are made directly from the card processor to the acquirer and an authorization confirmation of the direct payment and an explanation of benefits are sent to the service provider which no longer needs to run virtual payment cards through its card processing system.

Abstract: The described embodiments contemplate a system, method and computer-readable medium with computer-executable instructions for accident notification. The novel system includes subsystems for testing an automobile, or a part of an automobile, and comparing the result of the test with a baseline result. The test may use various detectors, including radio frequency identification tags embedded in the paint of an automobile, magnetic variances caused by metal deformation, or electrical changes in a circuit. The test may be used for various purposes, including determining that an accident has occurred, verifying the authenticity of a repair part, or for processing an insurance claim.