Abstract: Systems and methods generate and process payment transactions using a virtual account for payment transaction which is generated and transmitted to a customer registered mobile device. The virtual account with a limited lifetime with single or multi use purpose is created for the associated bank account number and generated on-demand by the registered customer upon authentication which may be communicated using SMS, IVR, USSD, Mobile Apps, Smart Apps or NFC protocols to the registered mobile number for immediate use for payments which can be used for online purchasing, peer to peer payments, automatically read-out or to manually enter at a point of sale. The system also creates virtual point of sale (POS) to a substitute for hardware based POS payment devices during check out at a physical store to facilitate for accepting payments in different modes.

Abstract: A furniture surface having a coating consisting of a bottom layer comprising a silicone oil adjacent to the furniture surface and a top layer comprising an oil having a specific gravity less than the silicone oil in the bottom layer and a water repelling film-forming fluorinated polymer. The coating may consist of a bottom layer comprising a silicone oil adjacent to the furniture surface, an intermediate layer comprising a water repelling film-forming fluorinated polymer, and a top layer comprising an oil having a specific gravity less than the silicone oil in the bottom layer. The coating may also consist of a bottom layer comprising a silicone oil adjacent to the furniture surface, an intermediate layer comprising an oil having a specific gravity less than the silicone oil in the bottom layer, and a top layer comprising a water repelling film-forming fluorinated polymer.

Abstract: A surface protective composition especially for use on automobiles is prepared which contains about 0.1 to 5% of a film forming fluorine containing polymer, 0 to 10% of micronized wax, a hydrocarbon solvent, an organosilicone compound, a surfactant and water.

Abstract: A furniture cleaning and polishing composition that provides protection against water. The composition contains an admixture of A) about 0.01 to 4% by weight of a water repelling fluorinated polymer; B) up to 15% mineral oil; C) about 3 to 25% hydrocarbon solvent; D) about 0.1 to 5% silicone oil; about 0.01 to 5% surfactant, and the remainder water.