Abstract: The present disclosure relates to setup of IoT network devices, and specifically to setup of multiple similar IoT devices at substantially the same time using joint authentication.

Abstract: The present disclosure relates to setup of IoT network devices, and specifically to setup of multiple similar IoT devices at substantially the same time using joint authentication.

Abstract: A bill payment provider offers to a customer an option to pay a bill from a biller using a payment card account. The offering is carried out via a mechanism of the bill payment provider. The mechanism is of a kind which normally facilitates payments via electronic funds transfer from a demand deposit account of the customer. A request to pay the bill using the payment card account is received via the mechanism. Payment of the bill using the payment card account is facilitated by formatting and dispatching a message from the bill payment provider to an electronic bill payment system. The message is flagged with a flag indicating that the message comprises a non-financial, card payment, message. The message includes an identification of the biller, a card number of the payment card account, and an expiration date of the payment card account. The message is an electronic funds transfer message augmented with the flag, the card number, and the expiration date.

Abstract: Techniques are described for controlling attributes and/or settings related to operation of devices via a wireless network. An access device can determine a status of a configurable attribute/setting related to operation of a device (e.g., a home automation network device that can control a home appliance) connected to the network. The computing device can execute an application that can generate and display a graphical interface including an interactive area or an interactive element to control the device. The interactive element or the graphical interface can indicate a current value for the setting/attribute. The interactive area or element can be adjustable to adjust the setting/attribute. An adjusted value of the setting/attribute can be communicated to the network which can cause operation of the device to be controlled based on the adjusted value. The computing device can modify the graphical interface to indicate the adjusted value of the setting/attribute.

Abstract: Techniques are described for controlling attributes and/or settings related to operation of devices via a wireless network. An access device can determine a status of a configurable attribute/setting related to operation of a device (e.g., a home automation network device that can control a home appliance) connected to the network. The computing device can execute an application that can generate and display a graphical interface including an interactive area or an interactive element to control the device. The interactive element or the graphical interface can indicate a current value for the setting/attribute. The interactive area or element can be adjustable to adjust the setting/attribute. An adjusted value of the setting/attribute can be communicated to the network which can cause operation of the device to be controlled based on the adjusted value. The computing device can modify the graphical interface to indicate the adjusted value of the setting/attribute.

Abstract: A general-purpose payment card product is linked to a designated reimbursement account. A payment card authorization request is obtained, with a full amount and a reimbursement eligible amount included therein, based on a transaction with the payment card product at a merchant. In one aspect, a payment card authorization response is returned to the merchant from an issuer of the payment card product, based on the full amount. A funding request is initiated, for the reimbursement eligible amount, from the designated reimbursement account. The payment card product and the designated reimbursement account are managed separately. In an alternative, the authorization request is intercepted by an operator of a payment network. The operator initiates a first operator authorization request for the reimbursement eligible amount, and a second operator authorization request for the full amount less the portion of the reimbursement eligible amount, and returns a coordinated response to the merchant.

Abstract: The present disclosure relates to granting of network access to a new network device. Specifically, various techniques and systems are provided for connecting a new network device to a network and limiting access of the network device while authenticating the new network device. More specifically, exemplary embodiments of the present invention include methods and systems for receiving information associated with one or more capabilities of the network devices on the network, analyzing the information associated with the one or more capabilities of the network devices on the network, wherein analyzing includes determining one or more capabilities common to the network devices, and generating a grouping of network devices, wherein the grouping includes network devices that share a common capability.

Abstract: Compositions and methods are disclosed for modulating disease resistance in plants.

Abstract: The present disclosure relates to granting of network access to a new network device. Specifically, various techniques and systems are provided for connecting a new network device to a network and limiting access of the network device while authenticating the new network device. More specifically, exemplary embodiments of the present invention include methods and systems for receiving information associated with one or more capabilities of the network devices on the network, analyzing the information associated with the one or more capabilities of the network devices on the network, wherein analyzing includes determining one or more capabilities common to the network devices, and generating a grouping of network devices, wherein the grouping includes network devices that share a common capability.

Abstract: Techniques are described for controlling attributes and/or settings related to operation of devices via a wireless network. An access device can determine a status of a configurable attribute/setting related to operation of a device (e.g., a home automation network device that can control a home appliance) connected to the network. The computing device can execute an application that can generate and display a graphical interface including an interactive area or an interactive element to control the device. The interactive element or the graphical interface can indicate a current value for the setting/attribute. The interactive area or element can be adjustable to adjust the setting/attribute. An adjusted value of the setting/attribute can be communicated to the network which can cause operation of the device to be controlled based on the adjusted value. The computing device can modify the graphical interface to indicate the adjusted value of the setting/attribute.

Abstract: Techniques are described for controlling attributes and/or settings related to operation of devices via a wireless network. An access device can determine a status of a configurable attribute/setting related to operation of a device (e.g., a home automation network device that can control a home appliance) connected to the network. The computing device can execute an application that can generate and display a graphical interface including an interactive area or an interactive element to control the device. The interactive element or the graphical interface can indicate a current value for the setting/attribute. The interactive area or element can be adjustable to adjust the setting/attribute. An adjusted value of the setting/attribute can be communicated to the network which can cause operation of the device to be controlled based on the adjusted value. The computing device can modify the graphical interface to indicate the adjusted value of the setting/attribute.

Abstract: Various embodiments provide for systems and methods for analyzing loan acquisitions by: receiving a loan closing dataset relating to a loan (e.g., through an industry HUD-1 data portal); generating a set of interim analysis results from the loan closing dataset by extracting information from the loan closing dataset (e.g., the HUD-1 form associated with the loan); generating a set of analysis results by evaluating the set of interim analysis results according to a set of analysis rules (e.g., lender or investor rules); and generating a set of scores for the loan based on the set of analysis results. According to some embodiments, the set of analysis rules are configured to evaluate a transfer of interest in the loan (e.g., from a lender originating the loan to a party investing in the loan) for a set of investment risks, and the set of scores represent the set of investment risks.

Abstract: Compositions and methods are disclosed for modulating disease resistance in plants.

Abstract: A bill payment provider offers to a customer an option to pay a bill from a biller using a payment card account. The offering is carried out via a mechanism of the bill payment provider. The mechanism is of a kind which normally facilitates payments via electronic funds transfer from a demand deposit account of the customer. A request to pay the bill using the payment card account is received via the mechanism. Payment of the bill using the payment card account is facilitated by formatting and dispatching a message from the bill payment provider to an electronic bill payment system. The message is flagged with a flag indicating that the message comprises a non-financial, card payment, message. The message includes an identification of the biller, a card number of the payment card account, and an expiration date of the payment card account. The message is an electronic funds transfer message augmented with the flag, the card number, and the expiration date.

Abstract: A general-purpose payment card product is linked to a designated reimbursement account. A payment card authorization request is obtained, with a full amount and a reimbursement eligible amount included therein, based on a transaction with the payment card product at a merchant. In one aspect, a payment card authorization response is returned to the merchant from an issuer of the payment card product, based on the full amount. A funding request is initiated, for the reimbursement eligible amount, from the designated reimbursement account. The payment card product and the designated reimbursement account are managed separately. In an alternative, the authorization request is intercepted by an operator of a payment network. The operator initiates a first operator authorization request for the reimbursement eligible amount, and a second operator authorization request for the full amount less the portion of the reimbursement eligible amount, and returns a coordinated response to the merchant.

Abstract: A method includes the steps of facilitating obtaining indicia identifying individual items to be purchased at a point of interaction, in conjunction with an inbound authorization request; facilitating translation of the indicia into a form understandable by a third party transaction approver, to obtain translated indicia; and facilitating transfer of the translated indicia to the third patty transaction approver for item-by-item validation on the individual items. The transfer of the translated indicia is in conjunction with an outbound authorization request. A system implementing the method can make use of an inventive transfer engine.

Abstract: A method includes the steps of facilitating obtaining indicia identifying individual items to be purchased at a point of interaction, in conjunction with an inbound authorization request; facilitating translation of the indicia into a form understandable by a third party transaction approver, to obtain translated indicia; and facilitating transfer of the translated indicia to the third patty transaction approver for item-by-item validation on the individual items The transfer of the translated indicia is in conjunction with an outbound authorization request. A system implementing the method can make use of an inventive transfer engine.

Abstract: An apparatus and method that provides for improved optical communication between at least one source and at least one destination, with reduced loss of power and superior retention of the quality of a signal when compared with the prior art. The apparatus has a body having at least one integrated optical channel along which a light signal is transmitted via an N-fold plurality of lenses. A light signal transmitted along the integrated optical channel is repeatedly refocused along the optical axis and is then highly focused at the second end. Optionally, the light signal can be switched, attenuated, filtered, tapped or monitored by positioning appropriate optical devices between the lenses.

Abstract: An apparatus and method that provides for improved optical communication between at least one source and at least one destination, with reduced loss of power and superior retention of the quality of a signal when compared with the prior art. The apparatus has a body having at least one integrated optical channel along which a light signal is transmitted via an N-fold plurality of lenses. A light signal transmitted along the integrated optical channel is repeatedly refocused along the optical axis and is then highly focused at the second end. Optionally, the light signal can be switched, attenuated, filtered, tapped or monitored by positioning appropriate optical devices between the lenses.

Abstract: A method and apparatus for stacking newspapers is disclosed which obviates the need to fasten individual stacks. Once ejected from a stacking device, stacks of newspapers pass through an assembly station where they are arranged into groups of three, called slugs, and compressed. The slug then enters a collector where a layer consisting of four slugs is positioned on a sliding table. This positioning requires lateral movement of slugs. Lateral support is provided throughout this movement to prevent the stacks from toppling over. Once a full layer has been accumulated, the sliding table is retracted, and the layer of newspapers falls onto a floating table below. This floating table, which serves as the bottom floor of the container in which it is housed, is automatically lowered by discrete amounts as layers are received. Extendible cylinders located below the collector vertically move the floating table.