Abstract: A method for expediting speed and enhancing accuracy of debit limit determinations based on streaming data feeds may include monitoring event data for an event trigger that, when received, directs a call to determine a debit limit for a customer, receiving streaming data from a plurality of arbitrary sources, the streaming data including features evaluated by a business logic module to determine the debit limit for the customer, employing a machine learning module to extract the features from the streaming data and supply the extracted features to the business logic module, and determining the debit limit based on the extracted features via the business logic module responsive to the event trigger.

Abstract: A method for facilitating early capture of automated clearing house (ACH) transfers associated with transactions may include providing a descriptor into an ACH file associated with a fund transfer between a customer and a merchant for a target transaction financed by the facilitation agent, initiating a lending limitation on financing available to the customer based on an amount of the target transaction until the target transaction is captured or a predetermined period of time has passed without receiving a notice of insufficient funds from a customer bank having a bank account of the customer from which an ACH transfer is requested by the ACH file, receiving bank account transaction data associated with candidate transactions from the bank account of the customer, employing a matching algorithm on the bank account transaction data to determine whether there is a match between the target transaction and one of the candidate transactions, and, responsive to determining the match before passage of the predeter

Abstract: A method for facilitating minimization of insufficient funds returns for ACH transfers associated with transactions may include receiving an account status associated with a bank account of a customer having a value card associated with financial transactions from the bank account, receiving status update information including account transaction data and/or user profile information associated the bank account of the customer, modifying the account status to determine an estimated account balance for the bank account based on the status update information, receiving an indication of a financial transaction involving the value card between the customer and a merchant and for which an ACH request is to be issued with respect to the bank account, employing responsive to the indication of the financial transaction a scoring algorithm based on the estimated account balance and an amount of the financial transaction to determine a success score indicative of a likelihood of avoiding an insufficient funds return for

Abstract: Exemplary embodiments are disclosed of antenna arrangements for portable radio communication devices. In an exemplary embodiment, there is an antenna arrangement for a portable communication device having a metal casing. The antenna arrangement generally includes a front side part of the metal casing. A first back side part is connected to the front side part through a top side part of the metal casing. A second back side part is connected to the front side part through a bottom side part of the metal casing. The bottom and top side parts are positioned at opposite ends of the front side part. The first and second back side parts are positioned and distanced from each other by a gap.

Abstract: Exemplary embodiments are disclosed of antenna arrangements for portable radio communication devices. In an exemplary embodiment, there is an antenna arrangement for a portable communication device having a metal casing. A front side part forms a ground plane means for the portable radio communication device. A first back side part is connected to the front side part through a top side part. A second back side part is connected to the front side part through a bottom side part. The top and bottom side parts are positioned at opposite ends of the front side part. The first and second back side parts are positioned and distanced from each other by a gap. A magnetic type antenna element is positioned partly in the gap and positioned partly over or along the first back side part, the top side part, or the front side part.

Abstract: The method is for providing a service system. The method identifies a location of a user of the service system. The user selects a category of the service system. A database is searched for service providers of the selected category. The method identifies a first location of a first service provider and a second location of a second service provider found in the search for the selected category. The first location is closer to the location of the user than the second location. The first and second service providers are ranked regarding proximity to the location of the user so that the first service provider is ranked higher and listed before the second service provider. A map is provided showing the location of the user, the first location of the first service provider and the second location of the second service provider.

Abstract: The present invention relates generally to the detection of bits which are protected by repetition, and which, along with their repetitions, have associated soft values available which give a measurement of the reliability of their received values. In particular, the present invention may be used in speech encoding in the GSM mobile communications system, and more particularly to the detection of those class 2 bits called pulse5 bits which are not protected with channel coding. In enhanced full rate (EFS) transmission in GSM there are 4 bits called pulse5 bits. These pulse5 bits are duplicated twice, giving three bits for each original bit, for a total of twelve pulse5 bits. These bits have associated soft values, a probability measure of their reliability, that are produced by the equalizer.

Abstract: A method and system for combining signals in a receiver employing antenna diversity. If the interference exceeds a predetermined threshold, interference rejection combining (IRC) is used. If the interference does not exceed the predetermined threshold, maximum ratio combining (MRC) is used. The diversity combining technique can be selected, and the signals combined every burst, half-burst, or other suitable interval.