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 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: 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: 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: 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: 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: 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.

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: In order to provide a flow element by means of which a fluid can be guided and/or distributed over a surface as uniformly as possible, it is proposed that the flow element comprises a plate-like main body, which has a channel structure, wherein the channel structure comprises two or more paths, which connect an inlet side of the channel structure to an outlet side of the channel structure, wherein the two or more channel paths each have one or more meandering segments, wherein meandering segments of channel paths different from each other are nested in each other.

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.

Abstract: In order to produce an electro-chemical unit for a fuel cell stack in which a plurality of electro-chemical units follow one another along a stacking direction wherein the electro-chemical unit includes a membrane electrode unit having an anode-side electro-chemically active surface which has an outer border that is defined by an anode-side bordering element and wherein the electro-chemical unit also includes a cathode-side electro-chemically active surface which has an outer border that is defined by a cathode-side bordering element in such a way as to prevent enhanced aging of the membrane electrode unit due to regions of the membrane electrode unit only being supplied with an oxidizing agent, it is proposed that the outer border of the anode-side electro-chemically active surface be displaced outwardly at least in sections thereof with respect to the outer border of the cathode-side electro-chemically active surface in a direction running perpendicularly to the stacking direction.

Abstract: In order to provide a flow element by means of which a fluid can be guided and/or distributed over a surface as uniformly as possible, it is proposed that the flow element comprises a plate-like main body, which has a channel structure, wherein the channel structure comprises two or more paths, which connect an inlet side of the channel structure to an outlet side of the channel structure, wherein the two or more channel paths each have one or more meandering segments, wherein meandering segments of channel paths different from each other are nested in each other.

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 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.