Abstract: A system and method for collaborative peer-to-peer fund transfer that allows the transfer of funds without requiring a bank account. The present invention uses existing infrastructure to allow senders to initiate fund transfer to designated recipients. The system receives a transfer request from a sender via an SMS Gateway, retail kiosk, web interface, or bank transfer, and processes a transaction. The system communicates a unique code for confirmation to the designated recipient, who can use the unique code to redeem the transferred funds. The transferred funds are then associated with a prepaid card, debit card, or gift card, or disbursed in cash form.

Abstract: Methods for performing damage etch and texturing of single crystal silicon substrates, particularly for use as solar cells or photovoltaic cells. Damage etch with a TMAH solution followed by texturing using solution of KOH or NaOH mixed with IPA is particularly advantageous. The substitution of some of the IPA with ethylene glycol further improves results. Also disclosed is a process that combines both damage etch and texturing etch into a single step.

Abstract: Methods for texturing of single crystal silicon substrates, particularly for use as solar cells or photovoltaic cells. Texturizing of the wafer surface is carried out with a TMAH based solution. The texturizing solution may further include isopropyl alcohol and ethylene glycol at different dilutions in DI water to further improves results.

Abstract: Methods for performing damage etch and texturing of single crystal silicon substrates, particularly for use as solar cells or photovoltaic cells. Damage etch with a TMAH solution followed by texturing using solution of KOH or NaOH mixed with IPA is particularly advantageous. The substitution of some of the IPA with ethylene glycol further improves results. Also disclosed is a process that combines both damage etch and texturing etch into a single step.