Abstract: An exercise device includes a lift assist mechanism to reduce a weight of the console assembly. The console assembly includes a display and handlebars, which increases the weight of the console assembly. The lift assist mechanism reduces the force used to adjust the vertical position of the lift assist assembly, thereby improving the ease of use of the exercise device.

Abstract: A system and method are described for a COIN-based payment event data management system. The COIN can provide a consolidated source of accounting for all parties to a transaction by providing for multi-directional translation, resolution, accounting and other functions. A COIN server can interface with buyers and sellers, requestors and debtors, and other parties. The COIN server can communicate with different API's of various parties. Functionality can include means of analyzing payment and transaction behavior.

Abstract: A system for combining a payment mechanism with an offer to a consumer is described. The system includes a virtual payment account number generation engine to generate virtual payment account numbers that can be used by a consumer in a payment transaction at a merchant, the virtual payment account number generation service also operable to take a portion of the virtual payment account number and send it as a checkout code to a consumer using the consumer's mobile device, and an offer generation engine used to set rules for an offer to be sent to consumers, create a fund for the offer, and determine individual consumer's eligibility for the offer. The offer is associated with the checkout code such that the offer is processed as part of the payment during the payment transaction using the virtual payment account number.

Abstract: Systems and methods are described for incorporating electronic benefit transfer (EBT) systems into a secure, mobile, and electronic payment processing system. Existing EBT systems capture data regarding a purchase. This record keeping functionality can be harnessed to provide retailers and marketers with data regarding marketing efforts, coupon use, and more. A mobile device can be used to interact with a presence detection system. Coupons or payment information can be received at a mobile device, and payments can be carried out between a mobile device and a points of sale (POS).

Abstract: A system and method are described for a COIN-based payment event data management system. The COIN can provide a consolidated source of accounting for all parties to a transaction by providing for multi-directional translation, resolution, accounting and other functions. A COIN server can interface with buyers and sellers, requesters and debtors, and other parties. The COIN server can communicate with different API's of various parties. Functionality can include means of analyzing payment and transaction behavior.

Abstract: Systems and methods are described for incorporating electronic benefit transfer (EBT) systems into a secure, mobile, and electronic payment processing system. Existing EBT systems capture data regarding a purchase. This record keeping functionality can be harnessed to provide retailers and marketers with data regarding marketing efforts, coupon use, and more. A mobile device can be used to interact with a presence detection system. Coupons or payment information can be received at a mobile device, and payments can be carried out between a mobile device and a points of sale (POS).

Abstract: A system and method are described for provisioning credit availability, including the creation and translation of protocols and instructions for the transfer of funds between financial entities and databases with the use of ERP data. Furthermore, ERP data can be used to calculate gross margin data that can be used for the extension of credit lines.

Abstract: An exercise machine includes a base frame, a movable element that selectively moves with respect to the base frame during a performance of an exercise, and a height adjustable caster assembly connected to the base frame.

Abstract: A system and method are described for a COIN-based payment event data management system. The COIN can provide a consolidated source of accounting for all parties to a transaction by providing for multi-directional translation, resolution, accounting and other functions. A COIN server can interface with buyers and sellers, requesters and debtors, and other parties. The COIN server can communicate with different API's of various parties. Functionality can include means of analyzing payment and transaction behavior.

Abstract: A system for combining a payment mechanism with an offer to a consumer is described. The system includes a virtual payment account number generation engine to generate virtual payment account numbers that can be used by a consumer in a payment transaction at a merchant, the virtual payment account number generation service also operable to take a portion of the virtual payment account number and send it as a checkout code to a consumer using the consumer's mobile device, and an offer generation engine used to set rules for an offer to be sent to consumers, create a fund for the offer, and determine individual consumer's eligibility for the offer. The offer is associated with the checkout code such that the offer is processed as part of the payment during the payment transaction using the virtual payment account number.

Abstract: A system for combining a payment mechanism with an offer to a consumer is described. The system includes a virtual payment account number generation engine to generate virtual payment account numbers that can be used by a consumer in a payment transaction at a merchant, the virtual payment account number generation service also operable to take a portion of the virtual payment account number and send it as a checkout code to a consumer using the consumer's mobile device, and an offer generation engine used to set rules for an offer to be sent to consumers, create a fund for the offer, and determine individual consumer's eligibility for the offer. The offer is associated with the checkout code such that the offer is processed as part of the payment during the payment transaction using the virtual payment account number.

Abstract: Described herein is a payment processing device for processing payment from a consumer at a merchant location using a user device, the device comprising a presence detection module configured to detect presence of the user device at the merchant location; and a checkout module configured to communicate with a backend system to verify an identity of the user device, to receive payment information from the user device, and to transmit payment information to a merchant point-of sale (POS) system.

Abstract: A system for combining a payment mechanism with an offer to a consumer is described. The system includes a virtual payment account number generation engine to generate virtual payment account numbers that can be used by a consumer in a payment transaction at a merchant, the virtual payment account number generation service also operable to take a portion of the virtual payment account number and send it as a checkout code to a consumer using the consumer's mobile device, and an offer generation engine used to set rules for an offer to be sent to consumers, create a fund for the offer, and determine individual consumer's eligibility for the offer. The offer is associated with the checkout code such that the offer is processed as part of the payment during the payment transaction using the virtual payment account number.

Abstract: A system for combining a payment mechanism with an offer to a consumer is described. The system includes a virtual payment account number generation engine to generate virtual payment account numbers that can be used by a consumer in a payment transaction at a merchant, the virtual payment account number generation service also operable to take a portion of the virtual payment account number and send it as a checkout code to a consumer using the consumer's mobile device, and an offer generation engine used to set rules for an offer to be sent to consumers, create a fund for the offer, and determine individual consumer's eligibility for the offer. The offer is associated with the checkout code such that the offer is processed as part of the payment during the payment transaction using the virtual payment account number.

Abstract: The present invention is a two-ply convertible pillow blanket device with an internal pocket. The device can be used as a traditional blanket. Alternatively, if the user desires to use the device as a pillow, he or she simply unfastens the internal pocket, folds down the blanket toward the internal pocket, inverts and refastens the internal pocket with the folded portion of the blanket inside thereby forming the pillow. When the opening of the internal pocket is refastened it forms a pillow which is nearly identical to a traditional pillow.