Abstract: A system and method for creating latent image indicia that includes a variable mark. The latent image indicia is made of pigmented ink that can only be viewed when illuminated with a specific frequency of light. The pigmented ink is printed in a solid patch by a conventional printing process. The variable mark in the pigmented ink is created by laser ablation of the pigment. The laser ablation is done after the ink printing as a separate step.

Abstract: Systems, methods, and apparatus for reading and authenticating an infrared mark made with infrared (IR) ink. The IR ink reader and authenticator system includes a visible projection subsystem, an optical block, an imaging subsystem, a processing and control subsystem, and at least one enclosure. The infrared ink reader and authenticator system is preferably operable to validate both the infrared mark made with the infrared ink and a visible mark. Data related to the infrared mark and the visible mark is stored in a database.

Abstract: Disclosed is a device and process for marking and detecting labels with spectral band authentication features utilizing a reader that can be affixed to a smart phone and positioned so as to align the lens of the phone's camera with a reader aperture. The reader aperture allows the camera to view an item through a spacer, wherein a UV and IR light source is used to reveal indicia within invisible ink. The light source employs a distinct emission spectrum characterized by narrow peaks and gaps which can illuminate pigment of the invisible ink that is selectively responsive at the wavelengths of specific peaks and/or unresponsive at the gaps in the spectrum. The smart phone captures the indicia revealed and interfaces with a cloud-based database to provide verification of authenticity.

Abstract: A system for processing a contactless payment with a vendor using a consumer wearable device includes one or more financial services providers and one or more charitable entities, each financial services provider and each charitable entity comprising a compute device in electronic communication with a central controller managed by a contactless payment facilitator. The central controller maintains and applies a set of transaction parameters to each payment initiated using the consumer wearable device, the transaction parameters including, for example, purchase alerts and restrictions, financial account information, and consumer-defined charitable contributions. By electronically interfacing with the central controller, the consumer can modify the transaction parameters for future payments.

Abstract: An adjustable chaise lounge is provided having a generally horizontal main frame, a seat portion, and an adjustable back rest with a free end and a proximal end that is coupled to the chaise lounge. The adjustable chaise lounge uses solar panels and a solar charge converter to power a linear actuator that is moveable between a first position and a second position. The actuator is coupled to at least one support post at a first end and a base of the back rest at a second end such that when the linear actuator moves between the first position and the second position it raises and lowers the adjustable back rest.

Abstract: A dual code authentication process combining a visible QR code with an invisible randomly generated code which can be alpha, numeric, symbol or image that can only be read with a reading device. A data generation engine is used to create the generated code which is assigned to the QR code and stored in a cloud based database. The QR code is decodable by a handheld reading device which communicates with the cloud based database releasing a copy of the generated code to the reading device. A reader is then used to decode the invisible printed code wherein the user can compare the printed code on the document and the code stored on the cloud based database to determine a match and authenticity.

Abstract: Disclosed is a device and process for marking and detecting labels with spectral band authentication features utilizing a reader that can be affixed to a smart phone and positioned so as to align the lens of the phone's camera with a reader aperture. The reader aperture allows the camera to view an item through a spacer, wherein a UV and IR light source is used to reveal indicia within invisible ink. The light source employs a distinct emission spectrum characterized by narrow peaks and gaps which can illuminate pigment of the invisible ink that is selectively responsive at the wavelengths of specific peaks and/or unresponsive at the gaps in the spectrum. The smart phone captures the indicia revealed and interfaces with a cloud-based database to provide verification of authenticity.

Abstract: Disclosed is a device and process for marking and detecting labels with spectral band authentication features utilizing a reader that can be affixed to a smart phone and positioned so as to align the lens of the phone's camera with a reader aperture. The reader aperture allows the camera to view an item through a spacer, wherein a UV and IR light source is used to reveal indicia within invisible ink. The light source employs a distinct emission spectrum characterized by narrow peaks and gaps which can illuminate pigment of the invisible ink that is selectively responsive at the wavelengths of specific peaks and/or unresponsive at the gaps in the spectrum. The smart phone captures the indicia revealed and interfaces with a cloud-based database to provide verification of authenticity.

Abstract: A dual code authentication process combining a visible QR code with an invisible randomly generated code which can be alpha, numeric, symbol or image that can only be read with a reading device. A data generation engine is used to create the generated code which is assigned to the QR code and stored in a cloud based database. The QR code is decodable by a handheld reading device which communicates with the cloud based database releasing a copy of the generated code to the reading device. A reader is then used to decode the invisible printed code wherein the user can compare the printed code on the document and the code stored on the cloud based database to determine a match and authenticity.

Abstract: A dual code authentication process combining a visible QR code with an invisible randomly generated code which can be alpha, numeric, symbol or image that can only be read with a reading device. A data generation engine is used to create the generated code which is assigned to the QR code and stored in a cloud based database. The QR code is decodable by a handheld reading device which communicates with the cloud based database releasing a copy of the generated code to the reading device. A reader is then used to decode the invisible printed code wherein the user can compare the printed code on the document and the code stored on the cloud based database to determine a match and authenticity.

Abstract: Disclosed is a device and process for marking and detecting labels with spectral band authentication features utilizing a reader that can be affixed to a smart phone and positioned so as to align the lens of the phone's camera with a reader aperture. The reader aperture allows the camera to view an item through a spacer, wherein a UV and IR light source is used to reveal indicia within invisible ink. The light source employs a distinct emission spectrum characterized by narrow peaks and gaps which can illuminate pigment of the invisible ink that is selectively responsive at the wavelengths of specific peaks and/or unresponsive at the gaps in the spectrum. The smart phone captures the indicia revealed and interfaces with a cloud-based database to provide verification of authenticity.

Abstract: A dual code authentication process combining a visible QR code with an invisible randomly generated code which can be alpha, numeric, symbol or image that can only be read with a reading device. A data generation engine is used to create the generated code which is assigned to the QR code and stored in a cloud based database. The QR code is decodable by a handheld reading device which communicates with the cloud based database releasing a copy of the generated code to the reading device. A reader is then used to decode the invisible printed code wherein the user can compare the printed code on the document and the code stored on the cloud based database to determine a match and authenticity.

Abstract: A hybrid stored-value card system is designed to support and effectively link uniquely designed physical stored-value cards with digital stored-value cards. Each physical stored-value card is preferably provided with a unique mobile link code that can be retrieved by a mobile device using automated means of data capture. The link code is transmitted to a server in direct communication with the mobile device along with certain pre-defined user information, such as the card owner name, email address and mobile number. The server utilizes the link code to create a corresponding digital stored-value card that can be downloaded and installed onto the mobile device in a format and design as specified by the card issuer. Using the user information, the server is able to maintain a direct communication path with the mobile device and thereby provide real-time notifications and updates to the card owner.

Abstract: A system and method for producing transaction cards, such as gift cards and identification cards, ensures that duplicate and missing cards are eliminated from a group of cards. Cards may also be provided in an ordered sequence. Each transaction card may include one or more unique identifiers so that each card is uniquely identified from all other cards in the group. Cards in the group may be packaged according to a hierarchy, and the location of each card in the hierarchy may be retained and later used for identifying the location of cards and/or batch activation.

Abstract: A system and method for producing transaction cards, such as gift cards and identification cards, ensures that duplicate and missing cards are eliminated from a group of cards. Cards may also be provided in an ordered sequence. Each transaction card may include one or more unique identifiers so that each card is uniquely identified from all other cards in the group. Cards in the group may be packaged according to a hierarchy, and the location of each card in the hierarchy may be retained and later used for identifying the location of cards and/or batch activation.

Abstract: A system and method for producing transaction cards, such as gift cards and identification cards, ensures that duplicate and missing cards are eliminated from a group of cards. Cards may also be provided in an ordered sequence. Each transaction card may include one or more unique identifiers so that each card is uniquely identified from all other cards in the group. Cards in the group may be packaged according to a hierarchy, and the location of each card in the hierarchy may be retained and later used for identifying the location of cards and/or batch activation.