Abstract: Systems and techniques are described for the payment of installment debts by providing functionality to automatically debit the amount from the consumer's payroll check. One technique includes deducting amounts from a consumer's paycheck according to the employee's authorizations, forwarding the deducted amounts to a financial intermediary to be held in a custodial account, establishing send dates for each installment payment due, and monitoring the send dates for all payments to determine whether a payment is to be sent to the creditor. If a payment is to be sent to the creditor, it is determined whether there are sufficient funds in the custodial account to make the payment, and, if there are sufficient funds in the custodial account to make the payment, the payment is forwarded to the creditor.

Abstract: A leadframe for an integrated circuit includes a set of individual leads temporarily connected in an array; each lead having an exterior portion shaped in a standard form and an interior portion shaped to form a standard array of contacts and to have the same spring constant for deflections perpendicular to the plane of the leadframe.

Abstract: An integrated circuit chip includes a top layer of dielectric penetrated by conductive vias connecting electrical contacts within the integrated circuit proper to a network of electrical leads disposed on top of the dielectric layer; the network of leads, in turn, being connected to an array of contact pads adapted for simultaneous solder connection to a leadframe.