Abstract: Methods, apparatuses, and computer program products are disclosed for account verification. An example method includes receiving a request for payment transmission from a payment provider device and generating a first verification element for a payment destination device associated with the request for payment transmission. The method further includes transmitting the first verification element to the payment destination device via a first real-time payment message. In an instance in which the computing device receives responsive authorization from the payment destination device, the method includes verifying the payment destination device. In response to verifying the payment destination device, the method includes transmitting a first real-time payment to the payment destination device. In an instance in which the computing device fails to receive responsive authorization from the payment destination device, the method includes transmitting a verification failure notification to the payment provider device.

Abstract: The present invention relates generally to compositions for wound healing. More specifically, the present invention provides human skin equivalents engineered to express exogenous proteinase inhibitor polypeptides (e.g., TIMP-1 polypeptides) and compositions and methods for making human skin equivalents engineered to express exogenous polypeptides. In addition, the present invention provides methods for treatment of wounds with human skin equivalents engineered to express exogenous polypeptides.

Abstract: The present invention is generally directed to a pack, such as a backpack or daypack, that is customizable in size, functionality and features, and appearance. The pack has two physically separate portions, the front of the pack and the back of the pack, that are releasably connected together to form the pack and an accessible space therein. An optional middle portion or expandable panel can be added between the front and back portions to further expand the size of the accessible space. The pack can be customized through the selection of material and design of the material, shoulder straps, a waist belt, a pull handle or cart and wheels, and detachable pockets of different sizes and shapes. The pack can also be personalized through the addition of various design elements. A pack system is also provided that allows complete customization of a pack and its features.

Abstract: The present invention is generally directed to a pack, such as a backpack or daypack, that is customizable in size, functionality and features, and appearance. The pack has two physically separate portions, the front of the pack and the back of the pack, that are releasably connected together to form the pack and an accessible space therein. An optional middle portion or expandable panel can be added between the front and back portions to further expand the size of the accessible space. The pack can be customized through the selection of material and design of the material, shoulder straps, a waist belt, a pull handle or cart and wheels, and detachable pockets of different sizes and shapes. The pack can also be personalized through the addition of various design elements. A pack system is also provided that allows complete customization of a pack and its features.

Abstract: A mammalian gene encoding a tolloid-like protein distinct from human or murine BMP-1/mTld and distinct from human or murine mTll-1 is presented. The gene is similar in structure to members of the BMP-1 family of genes, but maps to a distinct location and encodes a distinct protein having distinct activities. The protein encoded by the gene can be used to screen putative therapeutic agents in an ongoing effort to inhibit activity of the BMP-1 family of genes to prevent scarring, fibrosis, and the like.

Abstract: A mammalian gene encoding a tolloid-like protein distinct from human or murine BMP-1/mTld and distinct from human or murine mTll-1 is presented. The gene is similar in structure to members of the BMP-1 family of genes, but maps to a distinct location and encodes a distinct protein having distinct activities. The protein encoded by the gene can be used to screen putative therapeutic agents in an ongoing effort to inhibit activity of the BMP-1 family of genes to prevent scarring, fibrosis, and the like.