Abstract: A vehicle switch module includes a sub-network having switches connected thereto and a sub-network controller in operative communication with the sub-network and the switches. Each switch includes a microprocessor programmed to generate switch messages that include address and switch logic state data. The sub-network controller transmits switch queries onto the sub-network to a number of switch addresses to determine a connection status and switch state of switches in the switch module and receives switch messages responsive to the queries from switches at addresses to which the switch queries were transmitted. The received switch messages verify the identity of a switch in the module and provide a switch state for the switch. The sub-network controller interprets the received switch messages and—based on the switch address and switch state data in the messages—controls operation of a vehicle output or load associated with each of the switches.

Abstract: Rules, applied to deny authorization of likely fraudulent transactions, are derived from a modified Patient Rule Induction Method algorithm that uses a target variable and a data set of past transactions each associated with a plurality of input variables and a hyper-rectangle enclosing a multi-dimensional space defined by a representation of the input variable values as points within the multi-dimensional space. While a count of the points within the hyper-rectangle is greater than a minimum support parameter, a first plurality of points proximal to edges of the hyper-rectangle are removed, where each such removing maximizes a mean value of the target variable, and then, while the mean value remains maximized, a second plurality of points proximal to the edges is added, where each adding maximizes or maintains the mean value. The hyper-rectangle is bounded within a minimum bounding box that defines the rules.

Abstract: Embodiments of the invention are directed to systems and methods for speech transaction processing. A location of a device associated with a user may be determined. A reference to a voice model associated with the user stored within a database may be retrieved, based at least in part on the location. A voice segment may be received from the user. Using the reference, the voice segment may be compared to the voice model stored within the database. A determination may be made whether the user is authenticated for the transaction based on the comparing step.

Abstract: Methods and systems for providing data retrieved and analyzed as part of an authentication process for a user device to other entities of a transaction system are disclosed. This data can be used by other entities of the transaction system to enable more secure authorization processes for transactions. A risk score generated for a payment application server computer and the data used to generate the risk score can be leveraged to provide an issuer with more detailed data to ensure that the user engaging in a transaction is authenticated and that transactions being processed by the issuer are not fraudulent.

Abstract: A thermoelectric device comprising an elongated panel, formed of a thermally insulating material, and having a plurality of thermoelectric elements comprising compacted conductors inside the insulating material and expanded conductors outside the insulating material is combined with other layers for leakage current interception, bodily fluid absorption, and pillars that preserve pressure re-distribution. The thermoelectric device may be integrated into a variety of surfaces or enclosures needing heating or cooling and manufactured using pre-existing automated equipment.

Abstract: Methods, systems, and devices are disclosed for using a payment processing network as an authorization engine to access secure physical areas, such as college dormitories, office buildings. A keycard with a cryptogram generator is presented by a user to an access device, and the access device or associated computer sends an access request message formatted like a payment authentication request message to an aggregator/acquirer and payment processing network. The payment processing network validates the cryptogram and returns an access response message, again formatted like a payment authorization response message, indicating that the keycard is authentic. The gate, door, turnstile, or other barrier is then temporarily unlocked to let the user through.

Abstract: A thermoelectric device comprising an elongated panel, formed of a thermally insulating material, and having a plurality of thermoelectric elements comprising compacted conductors inside the insulating material and expanded conductors outside the insulating material wherein the thermoelectric elements run substantially parallel to or at an acute angle relative to the long dimension of the panel. The thermoelectric device may be integrated into a variety of surfaces or enclosures needing heating or cooling with controls and configurations to optimize the application.

Abstract: Systems and methods for generating fraud/risk report for consumers are disclosed. A server computer in a fraud/risk system receives a request from a client computer of a user for a fraud/risk report associated with a consumer. The server computer queries a database that stores pre-filtered data provided from third party sources, and data (filtered or not filtered) from a payment processing network that processes payment card transactions. The pre-filtered data are associated with reported fraudulent activities. The server computer then generates a fraud/risk report and provides that report to the client computer of the user. The report includes the pre-filtered data that were associated with the consumer. The fraud/risk report may also be customized based on the request of the user or based on pre-determined criteria stored in the server computer.

Abstract: Rules, applied to deny authorization of likely fraudulent transactions, are derived from a modified Patient Rule Induction Method algorithm that uses a target variable and a data set of past transactions each associated with a plurality of input variables and a hyper-rectangle enclosing a multi-dimensional space defined by a representation of the input variable values as points within the multi-dimensional space. While a count of the points within the hyper-rectangle is greater than a minimum support parameter, a first plurality of points proximal to edges of the hyper-rectangle are removed, where each such removing maximizes a mean value of the target variable, and then, while the mean value remains maximized, a second plurality of points proximal to the edges is added, where each adding maximizes or maintains the mean value. The hyper-rectangle is bounded within a minimum bounding box that defines the rules.

Abstract: An indicator unit is provided to display information to occupants in a motor vehicle. An interface to a communication network provides data required for the specific information being displayed. The indicator unit is adapted to fit into a standard sized aperture found in motor vehicle dashboards, thereby enabling indicators for different operating parameters as desired by the owner to be incorporated into the dashboard of a particular vehicle. An input device also may be provided by which an occupant of the motor vehicle can control operation of the indicator unit.

Abstract: An indicator unit is provided to display information to occupants in a motor vehicle. An interface to a communication network provides data required for the specific information being displayed. The indicator unit is adapted to fit into a standard sized aperture found in motor vehicle dashboards, thereby enabling indicators for different operating parameters as desired by the owner to be incorporated into the dashboard of a particular vehicle. An input device also may be provided by which an occupant of the motor vehicle can control operation of the indicator unit.

Abstract: An indicator unit is provided to display information to occupants in a motor vehicle. The indicator unit is adapted for connection to a communication network and intercepts messages that carry data between other vehicle equipment. A control circuit is programmed to identify the existing network messages that carry the data needed for the information display. The control circuit operates a display device in response to received data. Because the indicator eavesdrops on the network and intercepts existing data messages, other equipment in the motor vehicle do not have to be programmed to communicate specifically with the indicator. This facilitates adding specific indicators to a particular truck.