Abstract: A method of pairing Bluetooth™ enabled devices including a portable phone with a Bluetooth™ communications module of a vehicular, hands-free telephone system includes using vocal communications to prompt an operator of the phone to enter a given PIN number into the phone. The presence of any Bluetooth™ enabled devices within the vicinity of the communications module is searched. Vocal communications are used to prompt the operator to vocally state a name for the phone and to vocally state a pairing priority to be assigned to the phone. If the assigned pairing priority is not assigned to another Bluetooth™ enabled device, then the name and the pairing priority are associated with the phone. Communications between the communications module and the phone are then enabled if the phone has the highest pairing priority amongst all of the Bluetooth™ enabled devices present within the vicinity of the communications module.

Abstract: A convertible financial instrument provides incentives to holders to keep the instruments outstanding so that issuers maintain flexibility and control over the maturity date of the instrument and the manner in which it is settled. The instrument may provide issuers with the ability to deduct an amount for tax purposes that approximates the true economic cost of the financial instrument. The instrument may contain a provision calling for contingent payments (which may include, for example, contingent interest, preferred distributions, contingent principal, dividends, and other pay-outs) to the holder in some circumstances, which may be based on formulae calculations. For example, this may occur when the trading value of the convertible instrument exceeds a pre-determined value such as, for example, a certain percentage of the accreted value of the convertible instrument, or, for example, another circumstance that may trigger a contingent payment may be when the price of another financial instrument (e.g.

Abstract: A method of pairing Bluetooth™ enabled devices including a portable phone with a Bluetooth™ communications module of a vehicular, hands-free telephone system includes using vocal communications to prompt an operator of the phone to enter a given PIN number into the phone. The presence of any Bluetooth™ enabled devices within the vicinity of the communications module is searched. Vocal communications are used to prompt the operator to vocally state a name for the phone and to vocally state a pairing priority to be assigned to the phone. If the assigned pairing priority is not assigned to another Bluetooth™ enabled device, then the name and the pairing priority are associated with the phone. Communications between the communications module and the phone are then enabled if the phone has the highest pairing priority amongst all of the Bluetooth™ enabled devices present within the vicinity of the communications module.

Abstract: A hands-free, Bluetooth™ enabled telephone system for a vehicle is configured to enable an operator such as the driver of the vehicle to say multiple voice commands at one time in order to control the operation of the telephone system. Such multiple commands include “Dial <name>”, “Dial <name location>”, “Dial <number>”, and “Send <account number>.” The hands-free, Bluetooth™ enabled telephone system enables the pairing between Bluetooth™ enabled cell phones and a Bluetooth™ communications module of the telephone system to be conducted in a human friendly manner. The hands-free, Bluetooth™ enabled telephone system enables the telephone system to generate DTMF tones corresponding to a numeric account number or password in response to the driver vocally saying an account name associated with the numeric account number or password during a call between the driver and a voice-automated, menu-driven system for receipt by the menu-driven system.

Abstract: A convertible financial instrument provides incentives to holders to keep the instruments outstanding so that issuers maintain flexibility and control over the maturity date of the instrument and the manner in which it is settled. The instrument may provide issuers with the ability to deduct an amount for tax purposes that approximates the true economic cost of the financial instrument. The instrument may contain a provision calling for contingent payments (which may include, for example, contingent interest, preferred distributions, contingent principal, dividends, and other pay-outs) to the holder in some circumstances, which may be based on formulae calculations. For example, this may occur when the trading value of the convertible instrument exceeds a predetermined value such as, for example, a certain percentage of the accredited value of the convertible instrument, or, for example, another circumstance that may trigger a contingent payment may be when the price of another financial instrument (e.g.

Abstract: A method and system for communicating information between a vehicle and a device located in a house. The system includes a vehicle appliance integrated in a vehicle. The vehicle appliance has a Bluetooth® enabled communications module. The system further includes a garage located in the vicinity of the house. The garage has a garage door opener mounted therein. The garage door opener has a Bluetooth® enabled communications module and a transceiver. The communications modules wirelessly communicate with one another when the vehicle is located in the vicinity of the garage. The system further includes a device such as a personal computer or a home security or lighting system located in the house. The device and the transceiver of the garage door opener wirelessly communicate with one another. The vehicle appliance and the device wirelessly communicate with one another via the communications module and the transceiver of the garage door opener.

Abstract: A hands-free, telephone system for a vehicle includes a vehicle appliance configured to read over vehicle speakers and display on a vehicle radio display a voice tag associated with a call incoming to a cell phone paired with the appliance for an operator to hear and view. The appliance uses text-to-speech (TTS) to transfer phonebook entries from the cell phone to memory of the appliance. The appliance uses TTS to read and display text messages incoming to the cell phone for the operator to hear and view. The appliance initiates connecting and disconnecting of the cell phone with the appliance in response to voice commands of the operator. The appliance wirelessly communicates vehicle diagnostic information to another device. The appliance controls vehicle functions in accordance with voice commands of the operator. The appliance receives music files from a device and plays the music files in accordance with operator voice commands.

Abstract: A convertible financial instrument provides incentives to holders to keep the instruments outstanding so that issuers maintain flexibility and control over the maturity date of the instrument and the manner in which it is settled. The instrument may provide issuers with the ability to deduct an amount for tax purposes that approximates the true economic cost of the financial instrument. The instrument may contain a provision calling for contingent payments (which may include, for example, contingent interest, preferred distributions, contingent principal, dividends, and other pay-outs) to the holder in some circumstances, which may be based on formulae calculations. For example, this may occur when the trading value of the convertible instrument exceeds a predetermined value such as, for example, a certain percentage of the accreted value of the convertible instrument, or, for example, another circumstance that may trigger a contingent payment may be when the price of another financial instrument (e.g.

Abstract: A convertible financial instrument provides incentives to holders to keep the instruments outstanding so that issuers maintain flexibility and control over the maturity date of the instrument and the manner in which it is settled. The instrument may provide issuers with the ability to deduct an amount for tax purposes that approximates the true economic cost of the financial instrument. The instrument may contain a provision calling for contingent payments (which may include, for example, contingent interest, preferred distributions, contingent principal, dividends, and other pay-outs) to the holder in some circumstances, which may be based on formulae calculations. For example, this may occur when the trading value of the convertible instrument exceeds a pre-determined value such as, for example, a certain percentage of the accreted value of the convertible instrument, or, for example, another circumstance that may trigger a contingent payment may be when the price of another financial instrument (e.g.