Abstract: Methods are provided of processing a transaction between a consumer and a merchant with a disposable financial account. The disposable financial account is created automatically at a financial institution upon receipt of information provided by the consumer requesting creation of the account through an interface with the financial institution. The consumer is provided with information identifying the disposable financial account through the interface. An authorization request for the transaction is received from the merchant over a financial processing network. The authorization request includes the information identifying the disposable financial account and a transaction amount. An approval for the authorization request is returned to the merchant over the financial processing network based on financial parameters of the disposable financial account. Funds are transferred from the disposable financial account corresponding to the transaction amount to control of the merchant.

Abstract: Methods and systems permit monitoring behavior of a holder of a multifunction presentation instrument that is suitable for presentation by the holder in support of payment transactions and access transactions. A payment transaction involves a purchase by the holder using funds identified by the multifunction presentation instrument. An access transaction involves an authorization for the holder to enter a restricted area. A first communication received at a host system has transaction details of an attempted payment transaction initiated by the holder, and a second communication received at the host system has transaction details of an attempted access transaction initiated by the holder. These transaction details are stored in a data store and analyzed to identify potentially suspicious behavior by the holder.

Abstract: Methods and systems permit monitoring behavior of a holder of a multifunction presentation instrument that is suitable for presentation by the holder in support of payment transactions and access transactions. A payment transaction involves a purchase by the holder using funds identified by the multifunction presentation instrument. An access transaction involves an authorization for the holder to enter a restricted area. A first communication received at a host system has transaction details of an attempted payment transaction initiated by the holder, and a second communication received at the host system has transaction details of an attempted access transaction initiated by the holder. These transaction details are stored in a data store and analyzed to identify potentially suspicious behavior by the holder.

Abstract: Methods are provided of processing a transaction between a consumer and a merchant with a disposable financial account. The disposable financial account is created automatically at a financial institution upon receipt of information provided by the consumer requesting creation of the account through an interface with the financial institution. The consumer is provided with information identifying the disposable financial account through the interface. An authorization request for the transaction is received from the merchant over a financial processing network. The authorization request includes the information identifying the disposable financial account and a transaction amount. An approval for the authorization request is returned to the merchant over the financial processing network based on financial parameters of the disposable financial account. Funds are transferred from the disposable financial account corresponding to the transaction amount to control of the merchant.

Abstract: A beverage cooler includes a receptacle, adjustable platform and raising mechanism. The receptacle has a bottom, walls and an open top. The platform has at least one orifice, at least one guide and a threaded orifice. The raising mechanism includes at least one track, a threaded shaft and a rotating mechanism to move the platform between an upper and lower position. The rotating mechanism is a crank or an electric motor. In another variant, the threaded shaft is located centrally on the bottom with the mating threaded orifice located centrally on the platform. In yet another variant, the threaded shaft is located adjacent an edge on the bottom with the threaded orifice located adjacent an edge of the platform. In other variants of the invention, the receptacle includes insulation, wheels, handles, a drain opening and an inner wall, outer wall and an evacuated space between the inner and outer wall.

Abstract: A beverage cooler includes a receptacle, adjustable platform and raising mechanism. The receptacle has a bottom, walls and an open top. The platform has at least one orifice, at least one guide and a threaded orifice. The raising mechanism includes at least one track, a threaded shaft and a rotating mechanism to move the platform between an upper and lower position. The rotating mechanism is a crank or an electric motor. In another variant, the threaded shaft is located centrally on the bottom with the mating threaded orifice located centrally on the platform. In yet another variant, the threaded shaft is located adjacent an edge on the bottom with the threaded orifice located adjacent an edge of the platform. In other variants of the invention, the receptacle includes insulation, wheels, handles, a drain opening and an inner wall, outer wall and an evacuated space between the inner and outer wall.

Abstract: An improved golf putter is provided with an upper brace member portion extending above the grip of the putter. The upper brace member portion has a lower arm brace, an upper arm brace and an anchor that are all oriented to follow the underside of a golfer's forward arm from the wrists to the armpit to brace the golfer's arm in a triangulated position in order that the golfer may utilize a pendular stroke.

Abstract: Blends of N-acyl aminoalkane sulfonates and amphoteric and/or anionic surfactants can be prepared by quenching a molten reaction mixture of an aminoalkane sulfonate amidated with a fatty acid with an aqueous solution comprising an amphoteric and/or anionic surfactant.N--acyl aminoalkane sulfonates can be purified by quenching a molten reaction mixture in isopropanol.

Abstract: A process for preparing blends or slurries of acyloxyalkane sulfonate salts is provided. The salts have the formula:R.sub.1 C(O)O(CH.sub.2).sub.n SO.sub.3 Ywherein R.sub.1 is a hydrocarbyl radical having from about 6 to about 26 carbon atoms, n is an integer of from 2 to 4 and Y is an alkali metal or alkaline earth metal. The blend also comprises an amphoteric and/or anionic surfactant. The first step of the process comprises acylating an alkane sulfonic acid with a fatty acid at a temperature above about 180.degree. C. forming a molten reaction mass of acyloxyalkane sulfonate salts. In the next step, the molten reaction mass is quenched in an aqueous quench liquid comprising an amphoteric and/or anionic surfactant. Finally, a blend comprising an acyloxyalkane sulfonate and an amphoteric and/or anionic surfactant is recovered.