Abstract: A system for assisting a user with navigating a set of stairs includes a pulley system positioned adjacent to the stairs, the pulley system including a first pulley, a second pulley, and an elongated member coupled to and looped around the first pulley and the second pulley. The system further includes a motor coupled to the first pulley, a sensing assembly operatively coupled to the pulley system, the sensing assembly being structured and configured to sense that a force is being applied to or that is about to be applied to the elongated member by the user, and a controller coupled to the motor and the sensing assembly. The controller is structured and configured to, responsive to the sensing assembly sensing the force, turn the motor on to drive the first pulley.

Abstract: According to one embodiment, the present invention relates to a method and a system for facilitating settlement processing within a network of financial institutions may include receiving one or more payment items from a plurality of payment entities, at a centralized agent; aggregating the payment items into one or more categories; identifying a payee financial institution and a payor financial institution for each payment items, wherein the payee financial institution and the payor financial institution are different; determining whether the payee financial institution and the payor financial institution are within the network of financial institutions; for the payee and payor within the network, determining at the centralized agent a settlement path within the network of financial institutions for each payment item; and for the payee and payor that are not within the network, forwarding the payment items to a third party settlement entity.

Abstract: According to one embodiment, the present invention relates to a method and a system for facilitating settlement processing within a network of financial institutions may include receiving one or more payment items from a plurality of payment entities, at a centralized agent; aggregating the payment items into one or more categories; identifying a payee financial institution and a payor financial institution for each payment items, wherein the payee financial institution and the payor financial institution are different; determining whether the payee financial institution and the payor financial institution are within the network of financial institutions; for the payee and payor within the network, determining at the centralized agent a settlement path within the network of financial institutions for each payment item; and for the payee and payor that are not within the network, forwarding the payment items to a third party settlement entity.

Abstract: An exemplary method and system may include receiving one or more payment items from a plurality of payment entities, at a centralized agent, wherein the one or more payment items comprise one or more electronic images and paper instruments; aggregating the payment items into one or more categories; identifying a payee financial institution and a payor financial institution for each payment items, wherein the payee financial institution and the payor financial institution are different; determining whether the payee financial institution and the payor financial institution are within the network of financial institutions; for the payee and payor within the network, determining at the centralized agent a settlement path within the network of financial institutions for each payment item; and for the payee and payor that are not within the network, forwarding the payment items to a third party settlement entity by the centralized agent for settlement processing.

Abstract: An infrastructure for a real time bank-centric universal payment system (2) in which a central processing system (CPU) defines an electronic commerce trust system (1) formed from a plurality of financial service provider members (4) subscribing to a common standard having applicability throught the infrastructure. The central processing unit is operatively interconnected to the correspondent processing units of financial service provider members (4) that in turn are operatively interconnected through access mechanisms to a network of customers (3) and goods and services providers (5) who are account subscribers with the financial service provider member (4) and subject to the common standard of the system. The CPU provides non-revocable real time debit and credit transactions and effects net settlement between and among members through a central exchange monetary system.

Abstract: An infrastructure for a real time bank-centric universal payment system in which a central processing unit (CPU) defines an electronic commerce trust system formed from a plurality of financial service provider members subscribing to a common standard having applicability throughout the infrastructure. The central processing unit is operatively interconnected to the correspondent processing units of financial service provider members that in turn are operatively interconnected through access mechanisms to a network of customers and goods and services providers who are account subscribers with the financial service provider member and subject to the common standard of the system. The CPU provides non-revocable real time debit and credit transactions and effects provider net settlement between and among members through a central exchange monetary system. Features of the infrastructure include an ECTS hot file, bill presentment and payment options and provider designed services that enhance brand identity.

Abstract: An apparatus, system and process for effecting one or more of the reception, transmission, translation and storage of data files containing information relating to financial instruments among and between multiple institutions wherein a data file in a first file format is received from an originating institution, the file is translated into a second data file format selected by an institution that is to receive the information, the information is stored in memory which is uniquely accessible to the receiving institution and transmitted to the receiving institution. Information derived from the financial instrument information contained in the second data file format may be transmitted to a settlement mechanism. The transmission to the receiving institution and to a settlement mechanism may occur on demand, based on instructions by the originating institution and within a prearranged time period.

Abstract: A sound deflector for attachment to a user's headset earphones is disclosed comprising means situated intermediate the headset earphone and a user's ear canal, said means comprising a hollow cylinder adapted to be operably connected to the headset earphone speaker case and thereby confine the sound from the speaker interiorly to the cylinder, and a cone spatially located proximate the opening of the hollow cylinder and aligned between the earphone speaker and the user's ear canal, a plurality of openings interposed the hollow cylinder wall and the sides of the spatially located cone, said cone adapted to reflect sound waves from the earphone speaker directed towards the user's ear canal and the openings pass sound waves directed away from the user's ear canal and into the folds of skin of the outer ear to be reflected then into the ear canal for hearing by the user.

Abstract: A protective liner for a tire having a tread portion and housing an inflatable tube, the liner having an elongated panel of puncture resistant material adapted to be extended circumferentially about the tube within the tire; and a pair of ridges borne by the panel extending in spaced, substantially parallel relation along the panel for embedded engagement with the interior of the tire to maintain selected alignment between the tread portion thereof and the panel.