Abstract: Systems and methods an enhanced drive-up banking experience with automatic authentication are provided herein. The system includes a communication interface structured to communicatively couple to a network, sensors, a processor, and memory. The system performs operations including receive an indication that a user has activated a user session on a user device; detect, by the sensors, whether that the user device has entered a first geolocation area; receive a first pre-staged transaction request for a first pre-staged transaction, from a user device; generate a first notification indicating a first transaction device and a first provider employee for completing the first pre-staged transaction; receive a second notification indicating that a user associated with the user device is at the first transaction device; verify the pre-staged transaction; responsive to verifying the pre-staged transaction, complete, by the transaction device management circuit, the pre-staged transaction.

Abstract: A crank transmission having a crankshaft for connection to at least one foot or hand crank and at least one gear wheel driven by means of the crankshaft (5) is proposed. A coupling unit is provided between the crankshaft and the gear wheel. Under load, the coupling unit has at least temporarily an angular offset between a crank-side receiving region and an output region connected to the gear wheel for receiving and outputting the torque generated via the crank.

Abstract: A drive system (10), in particular for a vehicle, comprising a driven unit (12), a drive unit (18) for driving the driven unit (12), a drive interface (20) by means of which the driven unit (12) can be coupled to the drive unit (18), at least one brake unit (22) for braking the driven unit (12), and at least one brake interface (24) which is different from the drive interface (20) and by means of which the driven unit (12) can be coupled to the at least one brake unit (22), wherein the at least one brake interface (24) has a transmission stage (28) with a driven-side transmission component (30) arranged on the driven unit (12) and a brake-side transmission component (32) arranged on the at least one brake unit (22), and a vehicle, in particular an industrial truck, with a drive system (10) of this kind.

Abstract: A method comprises receiving, by a computing device from a customer device, a request to provision a financial account for the customer, associating, by the computing device, a mobile device with the requested financial account, and sending, by the computing device to the mobile device, authentication information for the requested financial account. The method further includes receiving the authentication information by the computing device from a financial terminal that received the authentication information from the mobile device, receiving, by the computing device, first location information of the mobile device, and provisioning, by the computing device and based on the first location information of the mobile device being within a predetermined distance of a location of the financial terminal, the requested financial account for the customer.

Abstract: The present invention relates to a method for starting a fuel cell stack at temperatures below the freezing point of a reaction product produced during the reaction between an anode-side fuel and a cathode-side fuel. The fuel cell stack comprises a plurality of individual cells having at least one internal cell which is arranged in the stacking direction in the interior of the fuel cell stack and an edge cell which is arranged in the stacking direction at the edge of the fuel cell stack. The fuel cell stack is connected to a cooling circuit having cooling fluid for cooling the fuel cell stack, which cooling fluid can be conducted through the fuel cell stack by a pump arranged in the cooling circuit.

Abstract: A method comprises receiving, by a computing device from a customer device, a request to provision a financial account for the customer, associating, by the computing device, a mobile device with the requested financial account, and sending, by the computing device to the mobile device, authentication information for the requested financial account. The method further includes receiving the authentication information by the computing device from a financial terminal that received the authentication information from the mobile device, receiving, by the computing device, first location information of the mobile device, and provisioning, by the computing device and based on the first location information of the mobile device being within a predetermined distance of a location of the financial terminal, the requested financial account for the customer.

Abstract: A fuel cell device is provided, including a fuel cell stack, which includes a plurality of fuel cell units following each other in a stacking direction, and two end plates, between which the fuel cell stack is arranged. With the fuel cell device, harmful effects from hydrogen exiting the fuel cell units are avoided without making access to the fuel cell units impossible or causing a disproportionately large maintenance expenditure. The fuel cell device includes an enclosure which surrounds the fuel cell stack and the end plates, wherein the free remaining volume that remains within the enclosure between the enclosure, the fuel cell stack, and the end plates is less than 20% of the internal volume of the enclosure.

Abstract: A method comprises receiving, by a computing device from a customer device, a request to provision a financial account for the customer, associating, by the computing device, a mobile device with the requested financial account, and sending, by the computing device to the mobile device, authentication information for the requested financial account. The method further includes receiving the authentication information by the computing device from a financial terminal that received the authentication information from the mobile device, receiving, by the computing device, first location information of the mobile device, and provisioning, by the computing device and based on the first location information of the mobile device being within a predetermined distance of a location of the financial terminal, the requested financial account for the customer.

Abstract: A method comprises receiving, by a computing device from a customer device, a request to provision a financial account for the customer, associating, by the computing device, a mobile device with the requested financial account, and sending, by the computing device to the mobile device, authentication information for the requested financial account. The method further includes receiving the authentication information by the computing device from a financial terminal that received the authentication information from the mobile device, receiving, by the computing device, first location information of the mobile device, and provisioning, by the computing device and based on the first location information of the mobile device being within a predetermined distance of a location of the financial terminal, the requested financial account for the customer.

Abstract: The invention relates to a flow element, in particular, as a component of a bipolar plate of an electrochemical device, comprising a plate-like base body that extends in two main directions of extension that are oriented at an angle in relation to one another, and has an extension in a height direction that is oriented transversely and in particular perpendicularly thereto, wherein the base body has a channel structure having a plurality of channels that are arranged laterally adjacent to one another, wherein the channels are formed by recesses in the base body and are separated from one another by raised portions, arranged between the recesses, of the base body, wherein regions having a normal level difference, defined in the height direction, as a height difference between a raised portion and an adjoining recess are provided, as well as regions having a level difference, reduced in comparison with the normal level difference, as a height difference between a raised portion and an adjoining recess, wherein,

Abstract: An example method includes receiving information related to a transaction with a financial account initiated by a customer at a financial terminal, the financial account including a transaction limit. Based on the information related to the transaction exceeding the transaction limit for the financial account, the method includes identifying a mobile device associated with the financial account and receiving location information of the mobile device via one or both of a passive location response or an active location response. Based on the location information of the mobile device, the method includes determining that the mobile device is located within a predetermined distance from a location of the financial terminal and temporarily changing the transaction limit for the financial account by a variable amount based on whether the location information of the mobile device was received via the one or both of the passive or the active location response.

Abstract: In order to create a bipolar plate for an electrochemical device, comprising at least one first bipolar plate layer and one second bipolar plate layer, between which an edge channel extending along a longitudinal direction is formed, and comprising a fluid channel running substantially in parallel to the edge channel, in which bipolar plate at least an edge channel portion of the edge channel can be flowed through by a fluid media to be supplied to the electrochemical device, for example by a fluid reaction media or by a cooling media, even though the edge channel has no direct fluidic connection to a medium channel by which the respective fluid media is supplied to the electrochemical device, it is proposed that the bipolar plate comprises at least one fluidic connection through which a fluid medium can flow from the edge channel into the adjacent fluid channel and/or from the adjacent fluid channel into the edge channel.

Abstract: An electrochemical device comprises a stack consisting of a plurality of electrochemical units which succeed one another along a stack direction and which each include a membrane electrode arrangement, a bipolar plate and at least one sealing element, at least one medium channel which extends along the stack direction, a flow field through which a medium can flow from the medium channel to another medium channel, and a connection channel through which the flow field and the medium channel are in fluid connection with one another, wherein the sealing arrangement includes a connection channel region in which the sealing arrangement crosses the connection channel, and at least one neighboring region which is located in front of or behind the connection channel region in the longitudinal direction of the sealing arrangement, wherein the sealing arrangement has a lower average height in the connection channel region than in the neighboring region.

Abstract: In order to create an electrochemical device, comprising a plurality of electrochemical units, which succeed one another along a stack direction, wherein each electrochemical unit comprises a bipolar plate and an electrically insulating seal, and a clamping device for clamping the electrochemical units along the stack direction, in which electrochemical device the risk of a short circuit between adjacent bipolar plates is reduced without the expenditure for the production of the electrochemical device being excessively increased, it is proposed that at least one seal of at least one electrochemical unit in the pressed state protrudes laterally beyond a contour of the bipolar plate of the electrochemical unit in a direction of protrusion directed perpendicularly to the stack direction.

Abstract: In order to provide a fuel cell device which can be produced simply and cost-effectively, it is proposed that the fuel cell device comprises the following: a plurality of fuel cell elements which are stacked one on top of another along a stacking direction and form a fuel cell stack; a clamping device for securing the fuel cell elements; a fluid guide unit for supplying fuel and/or oxidizer and/or coolant to the fuel cell elements and/or for removing fuel and/or oxidizer and/or exhaust gas and/or coolant from the fuel cell elements, wherein the clamping device comprises two or more crossmembers which extend at least approximately perpendicularly to the stacking direction, wherein in each case at least one crossmember is arranged at each end of the fuel cell stack, wherein the crossmembers can be drawn towards one another by means of clamping elements and the fuel cell stack can thereby be clamped between the crossmembers.

Abstract: The present invention relates to a bipolar plate for a low-temperature fuel cell, in particular for a polymer electrolyte fuel cell, including a metal substrate with a coating on a surface of the substrate, the coating including an organic polymer and an electroconductive filler. The organic polymer is formed by chemical reaction of at least two components, including a bi- or polyfunctional isocyanate compound as the first component and one or more compounds having at least two free hydroxy or amino groups, as the second component.

Abstract: A method comprises receiving, by a computing device from a customer device, a request to provision a financial account for the customer, associating, by the computing device, a mobile device with the requested financial account, and sending, by the computing device to the mobile device, authentication information for the requested financial account. The method further includes receiving the authentication information by the computing device from a financial terminal that received the authentication information from the mobile device, receiving, by the computing device, first location information of the mobile device, and provisioning, by the computing device and based on the first location information of the mobile device being within a predetermined distance of a location of the financial terminal, the requested financial account for the customer.

Abstract: The invention relates to the use of ceramic parts that at least partly consist of a ceramic foam in the field of medical technology.

Abstract: To provide a flow element which in particular is used as a component of a bipolar plate in electrochemical devices, which is stable and permits efficient flow guiding, it is proposed that the flow element comprises a plate-like main body that is formed as a shaped sheet metal product and has a channel structure, wherein the channel structure comprises a plurality of channels which are formed by recesses in the main body and are separated from one another by raised portions of the main body, wherein there is provided at least one region with normal level difference that defines, with respect to a height direction running perpendicular to two main directions of extent of the main body, a height difference between a recess and an adjoining raised portion, wherein there is provided at least one region with reduced level difference, in which a height difference between a recess and an adjoining raised portion is less than the normal level difference, wherein the at least one region with reduced level difference co

Abstract: An electrochemical device is provided that includes a stack of a plurality of electrochemical units that succeed one another in a stacking direction and each include an electrochemically active membrane electrode assembly, at least one gas diffusion layer and a bipolar plate having at least one flow field, in which at least one flow field is sealed off simply and reliably and the occurrence of parasitic flows is prevented, wherein at least one bipolar plate has at least one edge web, which borders a flow field of the bipolar plate and is in contact with a gas diffusion layer adjacent to the bipolar plate, and wherein the electrochemical device further includes at least one flow field seal element that seals off the flow field bordered by the edge web and is in contact with the edge web and in contact with the gas diffusion layer.