Abstract: The present invention relates to patterned microstructures on substrates and methods of making the same. The method completely eliminates the need for elements such as transfer membranes, UV lamps, plasma cleaners, reactive ion etchers, and mask aligners.

Abstract: Systems and methods for account processing are disclosed. In an example, the account processing systems and methods are used to process health care expenses for groups or individuals. Debit or credit transactions can be processed using a notional participant account. Processing a debit transaction can include identifying balances in one or more different portions of the notional participant account and allocating funds in an amount less than or equal to the one or more balances from the account to satisfy all or a portion of the debit transaction. When a balance remains in the debit transaction after allocating the funds, the method can include identifying a participant line-of-credit and allocating a remainder of the debit transaction using the line-of-credit.

Abstract: Systems and methods are described herein to provide a health care account processing solution that can (1) provide financial security when a participant experiences unexpected major medical expenses the participant may not otherwise be able to afford, (2) provide control of health care decisions to participants and providers, (3) reduce overhead and structural costs required to administer traditional health insurance plans, (4) reduce over-utilization and under-utilization of health care through a participant-controlled health care spending account that can be coupled with a health and wellness program (e.g., a rewards-based wellness program), and (5) encourage provider competition through the use of cash based, point-of-sale payments and transparent pricing. The systems and methods discussed herein describe, among other things, computer-implemented, rules-based systems for managing the health care accounting solution introduced above.

Abstract: An electrical mat (20) is adapted for coupling to lead lines (30). The electrical mat (20) comprises a plurality of layers (41-48), a heater element (50), and a window (60) aligned with a connection face on a heater bus (52). A fastener part (71) extends through each window (60) so as to allow mechanical attachment of a terminal (32) and establish an electrical connection between the lead line (30) and a heater bus (52).

Abstract: An on-demand communication system, device, method and program are provided which allows a consumer to request information from an on-demand visibility service. The on-demand visibility service places a request with the on-demand directory service that may then choose a relevant provider to be queried for this information based on situation-based access control logic. The on-demand visibility service then queries the relevant providers with the request for information. Providers may then gather information by optionally using sensors, and may then transmit a provider response to the on-demand visibility service. The on-demand visibility service may then forward this provider response in the form of an answer to the consumer, thereby satisfying the consumer request for information.

Abstract: An on-demand communication system, device, method and program are provided which allows a consumer to request information from an on-demand visibility service. The on-demand visibility service places a request with the on-demand directory service that may then choose a relevant provider to be queried for this information based on situation-based access control logic. The on-demand visibility service then queries the relevant providers with the request for information. Providers may then gather information by optionally using sensors, and may then transmit a provider response to the on-demand visibility service. The on-demand visibility service may then forward this provider response in the form of an answer to the consumer, thereby satisfying the consumer request for information.