Abstract: A method and apparatus for facilitating payments for transactions, via mobile devices and mobile telecommunications networks, is disclosed. In an embodiment, a product provider is provided with a code, such as a QRcode, which contains or references payment details for purchase of the product. A mobile user of the application scans the code and is connected to their internet banking application. The payment details are transferred to the internet banking application and the mobile user confirms that the transaction should proceed. Payment is made without any secure details being provided to the product provider.

Abstract: A method and apparatus for facilitating payments for transactions, via mobile devices and mobile telecommunications networks, is disclosed. In an embodiment, a product provider is provided with a code, such as a QRcode, which contains or references payment details for purchase of the product. A mobile user of the application scans the code and is connected to their internet banking application. The payment details are transferred to the internet banking application and the mobile user confirms that the transaction should proceed. Payment is made without any secure details being provided to the product provider.

Abstract: The present invention relates to an apparatus and method for verification of data contained in an unstructured data source, such as a supplier invoice. It is very difficult to obtain information from an unstructured data source, such as an invoice, using processing technology, without error. The apparatus and method are arranged to locate a predetermined data element in the invoice, using an optical character recognition application. The predetermined data element may be a company number, such as an ABN. The ABN can then be used to access databases to obtain further information relating to the supplier. For example, account details. The further information can be cross referenced against the unstructured data to confirm that the further information, such as account number is present in the unstructured data.

Abstract: An electronic transaction system interacts directly with the purchaser's bank accounts to effect funds transfers from a purchaser's bank account to a vendor's bank account. The system receives an identification of the vendor, and the amount to be transferred, and proceeds to prompt the purchaser for the purchaser's bank access information. The system accesses the purchaser's banking system, and displays the balances in the purchaser's accounts. The purchaser selects the appropriate account, and the transaction system executes an electronic transfer request to transfer the funds from the selected account to the vendor's bank account and provides a payment confirmation to the vendor. Throughout this process, the vendor has no access to the purchaser's banking information.

Abstract: An apparatus for optically analyzing a sample may include an imaging subsystem that images the sample, one or more analyzing subsystems that analyze the sample, a temperature control subsystem that controls a temperature of the atmosphere within the apparatus, a gas control subsystem that controls a composition of the atmosphere within the apparatus, and a control module that controls the various subsystems of the apparatus.

Abstract: A method for certifying information about a subject entity, where the subject entity has trusted information associated with them, which is stored at one or more trusted entity computing systems, comprising the steps of a certifying entity obtaining information from one or more trusted entity computing systems, selecting trusted information from the obtained information, and certifying the trusted information as being from the trusted entity computing system and has not been modified.

Abstract: An apparatus for optically analyzing a sample may include an imaging subsystem that images the sample, one or more analyzing subsystems that analyze the sample, a temperature control subsystem that controls a temperature of the atmosphere within the apparatus, a gas control subsystem that controls a composition of the atmosphere within the apparatus, and a control module that controls the various subsystems of the apparatus.

Abstract: An apparatus for optically analyzing a sample may include an imaging subsystem that images the sample, one or more analyzing subsystems that analyze the sample, a temperature control subsystem that controls a temperature of the atmosphere within the apparatus, a gas control subsystem that controls a composition of the atmosphere within the apparatus, and a control module that controls the various subsystems of the apparatus.

Abstract: A method for certifying information about a subject entity, where the subject entity has trusted information associated with them, which is stored at one or more trusted entity computing systems, comprising the steps of a certifying entity obtaining information from one or more trusted entity computing systems, selecting trusted information from the obtained information, and certifying the trusted information as being from the trusted entity computing system and has not been modified.

Abstract: A method and apparatus for facilitating payments for transactions, via mobile devices and mobile telecommunications networks, is disclosed. In an embodiment, a product provider is provided with a code, such as a QRcode, which contains or references payment details for purchase of the product. A mobile user of the application scans the code and is connected to their internet banking application. The payment details are transferred to the internet banking application and the mobile user confirms that the transaction should proceed. Payment is made without any secure details being provided to the product provider.

Abstract: The present invention relates to a system and method for facilitating on-line payment particularly for goods or services purchased via a merchant site on the Internet. The system enables payment from an existing customer account at a financial institution, but does not require the user to provide credit card details. The payment is implemented in real-time from the customer account to a merchant account via a financial institution application such as an Internet banking website. An interface is provided which is initiated via the merchant site and which then interfaces the customer computer to the financial application having access to the customer computer's account. The customer can then enter payment details directly with the financial institution to pay the merchant directly for the transaction.

Abstract: The present invention relates to a system and method for facilitating on-line payment particularly for goods or services purchased via a merchant site on the Internet. The system enables payment from an existing customer account at a financial institution, but does not require the user to provide credit card details. The payment is implemented in real-time from the customer account to a merchant account via a financial institution application such as an Internet banking website. An interface is provided which is initiated via the merchant site and which then interfaces the customer computer to the financial application having access to the customer computer's account. The customer can then enter payment details directly with the financial institution to pay the merchant directly for the transaction.

Abstract: An electronic transaction system interacts directly with the purchaser's bank accounts to effect funds transfers from a purchaser's bank account to a vendor's bank account. The transaction system is enabled when the purchaser selects this payment option on the vendor's website. The system receives an identification of the vendor, and the amount to be transferred, and proceeds to prompt the purchaser for the purchaser's bank access information. With this information, the system accesses the purchaser's bank account(s) and displays the accounts that are eligible for the contemplated transaction. When the purchaser selects the appropriate account, an electronic transfer request is generated to effect the transfer from the purchaser's selected account to the vendor's bank account. The provider of the transaction system does not maintain financial accounts for either the purchaser or the vendor, and thus the overhead required to operate this transaction system is minimal.

Abstract: A method and apparatus for facilitating payments for transactions, via mobile devices and mobile telecommunications networks, is disclosed. In an embodiment, a product provider is provided with a code, such as a QRcode, which contains or references payment details for purchase of the product. A mobile user of the application scans the code and is connected to their internet banking application. The payment details are transferred to the internet banking application and the mobile user confirms that the transaction should proceed. Payment is made without any secure details being provided to the product provider.

Abstract: An apparatus for optically analyzing a sample may include an imaging subsystem that images the sample, one or more analyzing subsystems that analyze the sample, a temperature control subsystem that controls a temperature of the atmosphere within the apparatus, a gas control subsystem that controls a composition of the atmosphere within the apparatus, and a control module that controls the various subsystems of the apparatus.

Abstract: A method and apparatus for facilitating payments for transactions, via mobile devices and mobile telecommunications networks, is disclosed. In an embodiment, a product provider is provided with a code, such as a QRcode, which contains or references payment details for purchase of the product. A mobile user of the application scans the code and is connected to their internet banking application. The payment details are transferred to the internet banking application and the mobile user confirms that the transaction should proceed. Payment is made without any secure details being provided to the product provider.

Abstract: An apparatus and a method for optically analyzing a sample are provided. The apparatus includes a first optical device that transmits a narrow waveband of light and has a first filter and a first monochromator that provide different paths for the narrow waveband of the light. The apparatus may also include a light source that generates the light as broadband excitation light, in which case the first optical device transmits a narrow waveband of the broadband excitation light through the first filter or the first monochromator. Further, the apparatus may include a second optical device that directs the narrow waveband of the broadband excitation light onto the sample and receives emission light from the sample, a third optical device that transmits a narrow waveband of the emission light, and a detector that converts the narrow waveband of the emission light into an electrical signal.

Abstract: An apparatus and a method for optically analyzing a sample are provided. The apparatus includes a first optical device that transmits a narrow waveband of light and has a first filter and a first monochromator that provide different paths for the narrow waveband of the light. The apparatus may also include a light source that generates the light as broadband excitation light, in which case the first optical device transmits a narrow waveband of the broadband excitation light through the first filter or the first monochromator. Further, the apparatus may include a second optical device that directs the narrow waveband of the broadband excitation light onto the sample and receives emission light from the sample, a third optical device that transmits a narrow waveband of the emission light, and a detector that converts the narrow waveband of the emission light into an electrical signal.

Abstract: An apparatus and a method for optically analyzing a sample are provided. The apparatus includes a first optical device that transmits a narrow waveband of light and has a first filter and a first monochromator that provide different paths for the narrow waveband of the light. The apparatus may also include a light source that generates the light as broadband excitation light, in which case the first optical device transmits a narrow waveband of the broadband excitation light through the first filter or the first monochromator. Further, the apparatus may include a second optical device that directs the narrow waveband of the broadband excitation light onto the sample and receives emission light from the sample, a third optical device that transmits a narrow waveband of the emission light, and a detector that converts the narrow waveband of the emission light into an electrical signal.

Abstract: A method and apparatus for facilitating a secure transaction via a computer network. It is known for fraudsters to carry out “man-in-the-middle” attacks utilizing malicious software which diverts communications or corrupts communication between users and a financial institution computer, in order for the fraudster to modify the transaction. A secure object is generated which includes a security identifier and a transaction identifier. In an embodiment, the secure object is an image, and the secure identifier can not be detected by the man-in-the-middle computer. The transaction only proceeds when user enters the secure identifier.