Abstract: A broadcast headend includes an upstream network circuit, an upstream signal processing circuit, and a content processing circuit. The upstream network circuit is configured to communicate with a financial institution computing system over an internet network. The upstream signal processing circuit is configured to broadcast a video content signal over a broadcast medium to a downstream device. The content processing circuit is configured to receive a content stream including a unique property code associated with a vendor; while the video content signal is being broadcast, parse the unique property code associated with the vendor from the content stream; and send a bill pay request to the financial institution computing system to effect a payment to the vendor.

Abstract: Systems and methods for generating bill pay requests via an internet-enabled video displaying device are described. The system includes one or more processors and memory storing instructions that, when executed by the one or more processors, cause the one or more processors to maintain a database that includes account information for at least one customer of a financial institution, maintain a bill pay database that includes at least one registered biller, provide a bill pay feature by which a customer can cause a payment to be issued to a registered biller, receive a bill pay request to a vendor corresponding to a segment of broadcast video content, and complete a bill pay request by causing funds from the customer's account to be sent to the vendor.

Abstract: One or more embodiments of techniques or systems for intelligent data presentation are provided herein. Data can be presented on similar devices having different characteristics in different manners. For example, data may be rendered in a first manner on a first device having one monitor, the same data may be rendered in a second manner on a second device having two displays or a different display size. Financial information, sales data, banking information, etc. may be presented in a variety of ways based on capabilities or properties of a device accessing the information or data. Similarly, renderings may be selected based on interaction capabilities or interaction options a user may have with different renderings or presentations. In other embodiments, user interaction with an automated teller machine (ATM), call center, vehicle, or other interface can be based on device properties or device capabilities.

Abstract: A mobile wallet system to users is described. The mobile wallet system allows users to provide payments to merchants via the mobile wallet system. Users' mobile wallets are linked to payment forms associated with the users (e.g., bank accounts, credit cards, gift cards, etc.). Additionally, the mobile wallet system allows a first user to request funding from or provide funding to a second user for certain transactions. To pay for a good or service provided by a merchant, a user selects a form of payment, which may be another user, and provides a code to the merchant, which is used by a merchant computing system to initiate payment from the user to the merchant via the financial institution computing system.

Abstract: Systems and methods for processing customer requests to access purchasable items using financial assessments are described. A customer using a mobile device can identify a good of interest and transmit a request to access and test it. A financial institution computing system with a database of customer financial information can generate a financial assessment of the customer and the customer's identified good, which can then be used to determine whether the customer's request should be granted.

Abstract: A method of facilitating a payment to a merchant is described. The method includes receiving, by a computing system from a first user device, a request to fund a purchase of a first user from the merchant with funds from a second user; transmitting, by the computing system, a message including the request to fund the purchase of the first user to a second user device associated with the second user; transmitting, by the computing system, updated payment information to the first user device, the updated payment information including a payment code; receiving, by the computing system, a transaction request from the merchant, the transaction request including the payment code; and transmitting, by the computing system, an approval message to the merchant.

Abstract: One or more embodiments of techniques or systems for intelligent data presentation are provided herein. Data can be presented on similar devices having different characteristics in different manners. For example, data may be rendered in a first manner on a first device having one monitor, the same data may be rendered in a second manner on a second device having two displays or a different display size. Financial information, sales data, banking information, etc. may be presented in a variety of ways based on capabilities or properties of a device accessing the information or data. Similarly, renderings may be selected based on interaction capabilities or interaction options a user may have with different renderings or presentations. In other embodiments, user interaction with an automated teller machine (ATM), call center, vehicle, or other interface can be based on device properties or device capabilities.

Abstract: A video device configured to display video content includes a downstream network circuit for accessing and exchanging data with a computing system over a network, a downstream signal processing circuit for receiving video signals over a broadcast medium and converting the video signals into a video content stream, and one or more processors for causing a display to present the video content, and while displaying the video content, identifying a vendor, determining that the vendor is a registered biller, determining that the user has a bill due with the vendor, and overlaying an indication of the bill onto the video content, where the overlay includes an interactive element enabling the user to provide a user input to cause a payment to be made to the vendor. A bill pay request is generated and sent through the downstream network circuit to cause a payment to be made to the vendor.

Abstract: Systems and methods for generating bill pay requests via an internet-enabled video displaying device are described. The transaction generating system presents users with the option to generate a bill pay request to vendors of products and/or services while the user is passively consuming video content. As video content relating to a given product or service is displayed, a notification invites the user to generate a bill pay request. The user can then use the internet-enabled video displaying device to generate and send a request to transfer funds to the vendor.

Abstract: Electrical switching devices, such contactor and fuse devices, are disclosed that have improved reliability particularly through thermal cycling. One electrical switching device according to the present invention comprises an outer housing and internal operational components within the outer housing. An internal housing in included in that outer housing that surrounds at least some of the internal operational components. A sealing material is also included within the outer housing that is capable of forming a hermetic seal within the outer housing, wherein the sealing material contacts the internal housing. The internal housing has a CTE that substantially matches the CTE of the sealing material. Electrical system according to the present invention comprises an electrical circuit and an improved electrical switching device electrically connected to the electrical circuit to reliably open or close the circuit.

Abstract: Electrical switching device are disclosed having a housing with internal component within the housing. The internal components comprise contacts configured to operate, to change the state of the switching device from a closed state, allowing current flow through the switching device to an open state which interrupts current flow through the switching device. A pyrotechnic feature is included that is configured to interact with the internal components to transition the switching device from the closed state to the open state when the pyrotechnic feature is activated. The pyrotechnic feature is configured to trigger in response to levitation between the contacts at elevated current signal flowing through the switching device.

Abstract: Systems and methods for generating bill pay requests via an internet-enabled video displaying device are described. The transaction generating system presents users with the option to generate a bill pay request to vendors of products and/or services while the user is passively consuming video content. As video content relating to a given product or service is displayed, a notification invites the user to generate a bill pay request. The user can then use the internet-enabled video displaying device to generate and send a request to transfer funds to the vendor.

Abstract: One or more embodiments of techniques or systems for intelligent data presentation are provided herein. Data can be presented on similar devices having different characteristics in different manners. For example, data may be rendered in a first manner on a first device having one monitor, the same data may be rendered in a second manner on a second device having two displays or a different display size. Financial information, sales data, banking information, etc. may be presented in a variety of ways based on capabilities or properties of a device accessing the information or data. Similarly, renderings may be selected based on interaction capabilities or interaction options a user may have with different renderings or presentations. In other embodiments, user interaction with an automated teller machine (ATM), call center, vehicle, or other interface can be based on device properties or device capabilities.

Abstract: Electrical switching device are disclosed having a housing with internal component within the housing. The internal components comprise contacts configured to operate, to change the state of the switching device from a closed state, allowing current flow through the switching device to an open state which interrupts current flow through the switching device. A pyrotechnic feature is included that is configured to interact with the internal components to transition the switching device from the closed state to the open state when the pyrotechnic feature is activated. The pyrotechnic feature is configured to trigger in response to levitation between the contacts at elevated current signal flowing through the switching device.

Abstract: One or more embodiments of techniques or systems for intelligent data presentation are provided herein. Data can be presented on similar devices having different characteristics in different manners. For example, data may be rendered in a first manner on a first device having one monitor, the same data may be rendered in a second manner on a second device having two displays or a different display size. Financial information, sales data, banking information, etc. may be presented in a variety of ways based on capabilities or properties of a device accessing the information or data. Similarly, renderings may be selected based on interaction capabilities or interaction options a user may have with different renderings or presentations. In other embodiments, user interaction with an automated teller machine (ATM), call center, vehicle, or other interface can be based on device properties or device capabilities.

Abstract: Electrical switching devices, such contactor and fuse devices, are disclosed that have improved reliability particularly through thermal cycling. One electrical switching device according to the present invention comprises an outer housing and internal operational components within the outer housing. An internal housing in included in that outer housing that surrounds at least some of the internal operational components. A sealing material is also included within the outer housing that is capable of forming a hermetic seal within the outer housing, wherein the sealing material contacts the internal housing. The internal housing has a CTE that substantially matches the CTE of the sealing material. Electrical system according to the present invention comprises an electrical circuit and an improved electrical switching device electrically connected to the electrical circuit to reliably open or close the circuit.

Abstract: Access controls for transferring funds from a customer to a designated recipient using a transaction machine and a one-time account and/or an authentication process that does not involve the use of a transaction card are disclosed. An example method (and system) can include storing identification data associated with a one-time account or transfer for the designated recipient of the one-time account; receiving authentication data from the transaction machine; determining that the user corresponds to the designated recipient using the received authentication data and the stored identification data; and executing the selected transaction after the determination.

Abstract: Systems and methods for processing customer requests to access purchasable items using financial assessments are described. A customer using a mobile device can identify a good of interest and transmit a request to access and test it. A financial institution computing system with a database of customer financial information can generate a financial assessment of the customer and the customer's identified good, which can then be used to determine whether the customer's request should be granted.

Abstract: In an example, techniques of this disclosure include establishing, by a computing device, authentication data for authenticating a user of a service provided by a service provider, where the authentication data comprises one or more first data entries and one or more second data entries that correspond to the one or more first data entries. The techniques also include retrieving, from at least one third-party service provider, one or more second data entries maintained by the at least one third-party service provider that correspond to the one or more first data entries, and authenticating the user based on the authentication data, where authenticating the user comprises comparing the one or more first data entries to the one or more second data entries retrieved from the at least one third-party service provider.

Abstract: Electrical switching device are disclosed having a housing with internal component within the housing. The internal components comprise contacts configured to operate, to change the state of the switching device from a closed state, allowing current flow through the switching device to an open state which interrupts current flow through the switching device. A pyrotechnic feature is included that is configured to interact with the internal components to transition the switching device from the closed state to the open state when the pyrotechnic feature is activated. The pyrotechnic feature is configured to trigger in response to levitation between the contacts at elevated current signal flowing through the switching device.