Abstract: An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.

Abstract: Certain embodiments provide systems, methods, and apparatus for trading in a distributed server architecture. An example method includes receiving, by a computing device, a definition for a trading strategy, wherein the trading strategy includes a first tradeable object and a second tradeable object. The example method includes selecting, by the computing device, a first server to process one or more trade orders for the first tradeable object and a second server to process one or more trade orders for the second tradeable object. The example method includes sending, by the computing device, the definition for the trading strategy to the first server and the second server.

Abstract: A tunable patch antenna includes a dielectric substrate having first and second surfaces. An electrically-conductive sheet is coupled to the first surface, and a patch assembly is coupled to the second surface. The patch assembly includes an electrically-conductive base fixedly coupled to the second surface and an electrically-conductive disk rotatably coupled to the substrate. The base has a substantially circular void wherein a perimeter region of the base circumscribes the void. The base has an electrically-conductive run extending from the perimeter region to a feedpoint location within the void. The disk has a diameter greater than a diameter of the void such that the disk is in contact with the perimeter region of the base. The disk has a slot cut through it that is aligned with a center of the disk.

Abstract: A technique of processing insurance data collected from a plurality of companies includes obtaining a company defined configuration that specifies how to extract a set of company generated data records from a data store and how the set of company generated data records is used by an application. The data store includes common data elements shared by the plurality of companies and company-specific data elements specified by a company. It further includes obtaining from the data store the set of company generated data records based on the company defined configuration. It further includes executing the application to process the company generated data records according to how the set of company generated data records is used by the application as specified by the company defined configuration.

Abstract: Systems and methods for authenticating a user's identity at an ATM are provided. One method may include capturing at least a portion of user's facial information using a facial recognition camera. The method may also include receiving information using an additional biometric scanner. The method may further include using one or more device handlers to receive information related to the captured portion of the user's facial information from the facial recognition camera and to receive information related to the additional biometric scanner. The one or more device handlers may also be used for determining one or more routing destinations for said information related to the captured portion of the user's facial information, for said information and for said information received from the additional biometric scanner.

Abstract: A method and system for mobile commerce, communication, and transaction processing to real-world point of sale (POS), web, e-commerce, virtual terminal, mobile personal digital assistant, mobile phone, mobile device, or other computer based transactions involving either one or both financial and non-financial such as loyalty based transactions as a mobile payment system is described. A consumer mobile software application (CMA) may be utilized in accordance with the method and system to provide a visual representation of merchants that abstractly represents the relevance of the merchants to a consumer.

Abstract: There is provided a wireless communication apparatus, including: an antenna including: an antenna element having one end portion that is opened; and a ground conductor to be used as a ground, to which another end portion of the antenna element is connected; a wireless device connected to the antenna; and a blocking member, which is arranged so as to be opposed to the antenna, and is configured to block an electromagnetic wave, wherein the blocking member is arranged so as to, in plan view from the blocking member side in a direction toward the antenna, avoid overlapping at least the one end portion of the antenna element and overlap the another end portion of the antenna element.

Abstract: A dual band end fed dipole provides at least two distinct operating frequencies, e.g. 2.45 GHz and 5.5 GHz. Properties of the antenna include low cost to manufacture, e.g. ease of automation; minimal manual labor to manufacture, e.g. reliability; dual band operation; broad bandwidth; good feed line isolation; omnidirectional beam pattern; minimal vertical beam squint; small diameter; and high efficiency. Embodiments of the invention provide a dual band end fed dipole with a low band trap on the feed side that requires minimal manual labor to manufacture because the antenna is formed from a single flat sheet of metal and soldering is replaced with crimping. Minimal dielectric loading is also achieved.

Abstract: Provided is an antenna system, including a system ground unit, a metal back cover, a frame as antenna radiator, and a grounding circuit, a feeding circuit and a tuning switch, the antenna radiator includes a main radiator and an auxiliary radiator; the main radiator includes a first main radiator which forms, together with the metal back cover, a first main gap, a second main radiator extending from the first main radiator and forms, together with the metal back cover, a second main gap, and a first fracture separating the first main radiator into two parts; the auxiliary radiator includes a first auxiliary radiator which forms, together with the metal back cover, a first auxiliary gap, a second auxiliary radiator extending from the first auxiliary radiator and forms, together with the metal back cover, a second auxiliary gap, and a second fracture separating the first auxiliary radiator into two parts.

Abstract: An electronic package is provided, which includes: a substrate; at least an electronic element disposed on the substrate; an antenna structure disposed on the substrate; and an encapsulant formed on the substrate for encapsulating the electronic element and the antenna structure. Therein, the antenna structure has an extension portion and a plurality of support portions connected to the extension portion for supporting the extension portion over the substrate so as to save the surface area of the substrate, thereby meeting the miniaturization requirement of the electronic package.

Abstract: The present invention relates to a multiband antenna comprising: a reflector providing a ground plane; a first radiation module for a first frequency band, provided on the reflector; and a plurality of second radiation modules for a second frequency band, laminated on the first radiation module, wherein: the first radiation module includes first to fourth radiation elements symmetrically combined in four directions on an entire plane, wherein each of the first to fourth radiation elements includes a radiation arm in a cup shape and a support for supporting and fixing the radiation arm to the reflector, and the second radiation modules are provided to each radiation arm of the first to fourth radiation elements, wherein the lower surface of the cup shape of each radiation arm of the first to fourth radiation elements is designed to have a predetermined area for providing the ground plane to the second radiation modules.

Abstract: An antenna system includes co-located active steering antennas implemented in a bottom portion of a wireless communication device designed for positioning near a user's mouth or chin. The co-located active steering antennas are each configured to steer a radiation pattern of the respective antenna, and can be further configured for active band switching and/or active impedance matching. These co-located active steering antennas can be used independently, or in a multi-input multi-output (MIMO) configuration. In addition, the antenna system is capable of antenna unit selectivity, which includes the ability to select one of the co-located antennas with the lowest head and hand loss for use, while disabling the antenna with the highest loss attributed to hand/head loading.

Abstract: The invention relates to a communication device for arranging in an aircraft cabin, said device comprising: an antennae assembly designed so as to emit and receive communication data in a first frequency band of a communication network and to receive localization data in a second frequency band of a localization network, said antennae assembly comprising an antenna having a pattern of radiation revolving about a main axis, the radiation being at its maximum in the direction of said main axis, and a system for restraining the radiation, designed to limit the radiation outside said antenna axis; a modem connected to the antenna, designed so as to allow the emission and the reception of communication data via a communication network; and a localization data receiver.

Abstract: An electronic device is provided. The electronic device includes a housing including a first face, a second face, and a side face that at least partially encloses a space between the first face and the second face, a conductive member configured to form at least a portion of the side face, a ground member, at least one communication circuit, and a conductive pattern positioned within the housing, the conductive pattern electrically connected to the communication circuit and the ground member, a first electric path positioned within the housing, and configured to electrically interconnect another end of the conductive member and the communication circuit, a second electric path configured to electrically interconnect the first electric path or the conductive member and the ground member, and a third electric path configured to electrically interconnect the first electric path or the conductive member and the ground member, and including a switching circuit.

Abstract: An antenna stand for holding a flexible or non-flexible planar antenna includes a base and support frame. The support frame includes two spaced apart legs and a horizontal cross member interposed therebetween. At least two lower antenna supports are provided on the support frame on which the bottom edge of the planar antenna may rest. An optional extendable antenna holding arm includes an upper antenna clip that engages the top edge of the planar antenna. The extendable antenna holding arm support is adjustably mounted to the support frame so that the distance between the lower antenna supports and the upper antenna clip can be varied to accommodate planar antennas of varying dimensions. The support frame may be arcuately shaped transversely to impart a slight lateral bend to a flexible planar antenna mounted on the stand. This helps to maintain the flexible planar antenna in an upright position on the stand.

Abstract: A radio frequency antenna uses an array of spherical lens and mechanically movable radio frequency (RF) elements along the surface of the spherical lens to provide cellular coverage for a narrow geographical area. The antenna includes at least two spherical lenses, where each spherical lens has an associated element assembly. Each element assembly has a track that curves along the contour of the exterior surface of the spherical lens and along which a radio frequency (RF) element can move. The antenna also includes a phase shifter configured to adjust a phase of the signals produced by the RF elements. The antenna includes a control mechanism configured to enable a user to move the RF elements along their respective tracks, and automatically configure the phase shifter to modify a phase of the output signals from the elements based on the relative positions between the RF elements.

Abstract: In the present invention, a radio communication antenna having a narrow beam width comprises: a reflecting plate provided in the form of a plate of rectangular shape; and one radiating module disposed on the reflecting plate and generating x-polarized waves. Here: the radiating module comprises four radiating elements of dipole structure; the four radiating elements are respectively disposed at four edge portions of the reflecting plate, and each comprises two radiating arms placed in the direction extending along both sides relative to the edges; and, among the four radiating elements, those radiating elements that face each other diagonally are linked in movement so as to generate one of the x-polarized waves.

Abstract: The present application provides a multi-band antenna, comprising at least one low-band sub-antenna; and at least one high-band sub-antenna comprising at least one high-band dipole and a reflector; wherein the high-band dipole and/or the reflector are/is structured and positioned so that current induced in the high-band sub-antenna by the low-band sub-antenna is directed to reflector over an extended effective distance in proportion to wavelength of the low-band sub-antenna.

Abstract: A system and apparatus for providing improved wi-fi controls to a spa that includes a specialized antenna housing for attachment through the wall of an existing spa, away from the body of water, other electronics as well as other interfering solid obstacles. The housing attaches to the electronics inside of the spa through a connector and a cable. The antenna is housed inside of the specialized housing and is equipped with electronic controls that can provide indicator LEDs visible from the outside of the spa wall. The specialized housing terminates in a flat surface for the LEDs to emanate from or for a wi-fi logo to be placed. The specialized housing is situated flush with the spa wall and is held in place with a nut or grommet.

Abstract: An electronic device is provided that includes a housing, a first conductive member configured to form a part of the housing, or be partially disposed within the housing, wherein the first conductive member includes a first conductive protrusion disposed toward the inside of the housing, a second conductive member configured to form another part of the housing, wherein the second conductive member includes a portion disposed adjacent to a portion of the first conductive member and a second conductive protrusion disposed toward the inside of the housing, a non-conductive member disposed between the portion of the first conductive member and the portion of the second conductive member, a coupling structure that includes a conductor and is connected between the first conductive protrusion and the second conductive protrusion, and at least one communication circuit electrically connected to the second conductive member.