Abstract: A system for processing credit card payments is provided. According to one aspect of the system, a client is able to submit payment transactions in different formats for processing. Depending on the submission format, the payment transaction can be processed by either a batch process or a right-time process. The right-time process processes the payment transaction in real-time upon submission thereby allowing the corresponding credit account to be updated in a more timely manner. In particular, the right-time process adjusts the available credit relative to the corresponding credit account in a real-time manner so that the available credit closely tracks or reflects payments made to the credit account.

Abstract: Embodiments of the present invention provide methods, systems, and machine-readable media for integrating communications between multiple systems and/or processes related to different aspects of financial transactions of a consumer. Generally speaking, an integrated communications engine can be communicatively coupled with and adapted to manage communications between a plurality of routines or processes to manage interactions with a consumer throughout a lifecycle of a financial relationship with the consumer. According to one embodiment, the integrated communications engine can further comprise a rules engine. The rules engine can be adapted to monitor the plurality of routines, determine whether a condition specified in a rule is satisfied, and in response to determining that the condition is satisfied, trigger an action by one or more of the routines of the plurality of routines based on the rule.

Abstract: The apparatus includes a liquid permeable pouch that defines a cavity for maintaining an anhydrous hydride reactant, wherein the cavity comprises a cross-section such that a point within the cross-section is separated from a perimeter of the liquid permeable pouch by no more than double the permeation distance, and a cartridge configured to receive the liquid permeable pouch and a liquid reactant such that at least a portion of the liquid permeable pouch is submerged in the liquid reactant. The system includes a plurality of pouches formed from two rectangular sheets of liquid permeable material, and each pouch has a width selected such that each point within a cross-section is separated from the sheets by no more than double the permeation distance. The method includes joining the sheets, forming one or more seals to define a cavity, disposing anhydrous hydride within the cavity, and sealing the opening.

Abstract: A process, composition of matter, and apparatus for generating hydrogen are disclosed. The process includes providing an anhydrous hydride, forming a mixture of the hydride with an activating agent, and introducing a liquid reactant to the mixture to produce hydrogen. The mixture includes activating agent in the range of between about 20 to about 80 percent by dry weight.

Abstract: A fuel cartridge for a hydrogen generating system having a cartridge containing a substantially anhydrous chemical hydride reactant. A plurality of liquid conduits extends into the cartridge and each of the liquid conduits has a length and a plurality of liquid distribution apertures formed along the length. The liquid distribution apertures have a diameter of less than approximately 1 mm. The chemical hydride reactant forms a bed and the liquid conduits extend along at least half of a length of the bed.

Abstract: Embodiments of the present invention provide methods, systems, and machine-readable media for integrating communications between multiple systems and/or processes related to different aspects of financial transactions of a consumer. Generally speaking, an integrated communications engine can be communicatively coupled with and adapted to manage communications between a plurality of routines or processes to manage interactions with a consumer throughout a lifecycle of a financial relationship with the consumer. According to one embodiment, the integrated communications engine can further comprise a rules engine. The rules engine can be adapted to monitor the plurality of routines, determine whether a condition specified in a rule is satisfied, and in response to determining that the condition is satisfied, trigger an action by one or more of the routines of the plurality of routines based on the rule.

Abstract: A system for processing credit card payments is provided. According to one aspect of the system, a client is able to submit payment transactions in different formats for processing. Depending on the submission format, the payment transaction can be processed by either a batch process or a right-time process. The right-time process processes the payment transaction in real-time upon submission thereby allowing the corresponding credit account to be updated in a more timely manner. In particular, the right-time process adjusts the available credit relative to the corresponding credit account in a real-time manner so that the available credit closely tracks or reflects payments made to the credit account.

Abstract: The present invention provides improved devices for inserting solid materials under a tissue, the devices particularly containing a penetration guide means designed to facilitate the implantation by limiting the insertion of the implants to positions under and substantially parallel to the plane of the tissue.

Abstract: A sheet of expanded metal lath has expanded longitudinal edge margins between which the metal sheet is selectively expanded transversely of the sheet length to define plural parallel rows of trapezoidal openings having long sides of about one inch and widths perpendicular to the long sides of about 7/32 inch. Between the selected rows of the openings, the sheet defines corresponding ones of plural rib constructions, each of which has a generally "Z" transverse cross-sectional configuration having substantially parallel non-coplaner and non-overlapping rib edge portions interconnected by a rib central portion disposed oblique to the rib edge portions. Where the unexpended thickness of the sheet is substantially 0.015 inch, the expanded metal sheet has a weight of substantially 1.8 pounds per square yard. The article has about 70% "openness", yet has adequate resistance to bending about lines across its width due to the configuration of the ribs and the sheet edge margins.