Abstract: A system for verifying ACH data for a proposed ACH transaction includes one or more computer processors, at an ACH transaction verifier, configured to execute one or more computer program modules configured to: receive, via the one or more processors, account locator information and verification information; query, via the one or more processors, an ACH transaction database at an ACH transaction processing system with the account locator information to obtain prior transaction data associated with the account locator information; compare, via the one or more processors, the verification information with the prior transaction data; and determine, via the one or more processors, a verification of the account locator information based on the comparing. Associated systems and methods are also disclosed.

Abstract: A method of arranging for payment of a purchase includes receiving, from a supplier, agreement to accept a payment from a buyer via use of a payment card having variable payment terms; after a purchase by the buyer from the supplier, assessing the supplier a standard interchange rate; receiving, from the buyer, approval to pay the invoice; and issuing, to the supplier, a rebate, based upon when the approval to pay the invoice was received. the variable payment terms are calculated by: determining a first early payment date; determining a second standard payment date; assessing against the supplier a first percentage of the standard interchange rate if the invoice is approved by the first early payment date; and assessing against the supplier a second percentage of the standard interchange rate if the invoice is approved on or after the second standard payment date.

Abstract: A method of arranging for payment of a purchase includes receiving, from a supplier, agreement to accept a payment from a buyer via use of a payment card having variable payment terms; after a purchase by the buyer from the supplier, assessing the supplier a standard interchange rate; receiving, from the buyer, approval to pay the invoice; and issuing, to the supplier, a rebate, based upon when the approval to pay the invoice was received. the variable payment terms are calculated by: determining a first early payment date; determining a second standard payment date; assessing against the supplier a first percentage of the standard interchange rate if the invoice is approved by the first early payment date; and assessing against the supplier a second percentage of the standard interchange rate if the invoice is approved on or after the second standard payment date.

Abstract: The invention provides a method for installing a positioning system, the positioning system comprising two or more base stations (BS1 to BS4), and comprises the steps of; collocating the base stations (BS1 to BS4); quantifying any lack of synchronisation between the clocks of the base stations; relocating one or more of the base stations (BS2? to BS4?) to their fixed, operational positions and measuring the time of flight of a signal from each of the relocated base stations; determining from the time of flight and quantified lack of synchronisation data the relative separation of the base stations (BS1, BS2? to BS4?) and hence the configuration of the installed positioning system, and recording the configuration of the installed positioning system.

Abstract: method of indicating the location of a relatively mobile object, comprising the steps of.

Abstract: A primary station (10) for use in a communication system is described, the system operating according to a predetermined protocol. The primary station is capable of managing a plurality of piconets having secondary stations (12a, b, c) which communicate with the primary station on individual logical radio channels. In particular, the capacity available on the channels is monitored (20,25) and the channels in use controlled thereby enabling the secondary stations to communicate even in periods of heavy use. The primary station is suitable for application as a wireless access point in public spaces (airports, train stations) and in business or home scenarios where robust low power multiple radio networks are required.

Abstract: A method and system for anonymously and opportunistically tracking the location of a portable device in a wireless infrastructure is described. The system comprises an installed infrastructure (12) in for example a shopping mall, the infrastructure having short range radio stations (14a,14b) primarily installed as wireless information access points. Standard communication between a users device (10a) and a station (14a) is according to a short range radio protocol such as ZigBee in which devices are assigned unique identifiers. In an exchange, the identifier is correlated with location, time and date data and uploaded via a backchannel connection (16) to a database (20) which a user may connect with at a later time. The user, knowing his objects identifier, can therefore access the data to determine where his object last interacted with a station.

Abstract: An interactive system which makes use of interactive electronic tags (ID) includes a tag reader (24) and a processing terminal (32). Profile information stored on an interactive tag (ID) can be altered using profile data, which may be promotional data, carried by another tag (PRINF) in accordance with operating instructions, for example cut, copy, paste, delete and so on, carried by a further tag (ACT), when said interactive, another and further tags are read in conjunction by the tag reader (24).

Abstract: A portable colour sampling device (10) facilitates comparison of a colour sampled from an object using an optical sensor (11) with a database (30,42,43,44) of stored colours. The database (30,42,43,44) of stored colours includes a merchandise database of articles for sale, and an indication of the location of those articles, including an indication of some or all of retailer identity, store location, in-store location, article description or product ID, class of article and the like. A user points the colour sampling device at an article to be sampled, and a colour definition data file is generated for transmission to a database of articles. The database returns to the sampling device a list of merchandise that matches the sampled colour or colours and any other matching criteria such as class of article, product code, and geographic proximity.

Abstract: A method of generating a secure transaction log recording transaction data established between a first 10 and a second 20 data processing device. The transaction log includes transaction data derived from the first device that is digitally signed by the second device, and then digitally re-signed by the first device, with copies being stored locally to both devices. Any interference with the data by either device, or during transfer of data between them is evident to both devices. The transaction data may include data received and signed by an independent third party as a trusted third party.