Abstract: The current location of a consumer can be determined and compared to the location of a merchant requesting approval of a credit card or debit card transaction. If the consumer is not at same location as the merchant, the payment can be declined. If the consumer is at the same location, the payment can be approved or declined according to normal rules. The current location of the consumer can be determined by having the consumer check in upon arrival at a store or shopping center by using an application running on the user's phone, tablet, or other mobile device. The location of the merchant can be determined based on information associated with the payment request. If the two locations match, the payment request is likely to come from the consumer.

Abstract: Electric bus bar insulating coatings are calibrated to withstand long term outdoor exposure without failure. Manufacturing samples of the coating material are evaluated at the coating manufacturing site prior to shipment to the bus bar manufacturer. Bus bar samples coated with the material are suspended within a heated water bath and subjected to several hundred volt-amperes. The thickness of the coating is predetermined to provide accurate qualifying data for each coating sample within a reasonable time frame. Coating compositions that qualify are then applied to electric bus bar conductors by the bus bar manufacturer.