Abstract: A system is capable of settling both open-loop and closed-loop transactions originating at merchant systems. The system is configured to accept open-loop transactions using a payment network and for accepting closed loop transaction using a one-time use token generated by the system. The system is configured to settle transactions by applying discounts after final transaction data is generated—the discount may be determined for either closed-loop or open-loop transactions before deducting a discounted value from a purchaser's account.

Abstract: Electronic settlement of transaction can be provided using multiple payment channels. A first payment channel using a payment network for submission of transaction data through the payment network and for reimbursement of a merchant using the payment network. A second payment channel uses a network separate from the payment network, and is used for transferring funds between the merchant and an issuer, without using the payment network. The funds transferred using the second payment channel are provided for settlement of costs payable by the merchant for a portion of the transaction, to accommodate for a discount calculated and provided by the issuer to a purchaser involved in the transaction, on behalf of the merchant.

Abstract: The present invention relates to a disposable article to prevent the misuse of a transdermal dosage form (FIG. 1(a)). The article is comprised of an outer layer (1) having an inner layer-facing side and an opposite side; an inner layer (3) having an outer layer-facing side and an opposite side, the inner layer (3) joined to the outer layer (1) to form one or more closed material reservoir (2) between the outer layer-facing side of the inner layer (2) and the inner layer-facing side of the outer layer (1); and adhesive (4) covering a first portion of the opposite side of the inner layer (3), wherein the adhesive (4) is a heat activated adhesive that changes color and/or is activated when the article is subjected to elevated temperatures, thereby sealing the transdermal dosage form within the article.

Abstract: The present invention relates to a disposable article to prevent the misuse of a transdermal dosage form (FIG. 1(a)). The article is comprised of an outer layer (1) having an inner layer-facing side and an opposite side; an inner layer (3) having an outer layer-facing side and an opposite side, the inner layer (3) joined to the outer layer (1) to form one or more closed material reservoir (2) between the outer layer-facing side of the inner layer (2) and the inner layer-facing side of the outer layer (1); and adhesive (4) covering a first portion of the opposite side of the inner layer (3), wherein the adhesive (4) is a heat activated adhesive that changes color and/or is activated when the article is subjected to elevated temperatures, thereby sealing the transdermal dosage form within the article.

Abstract: The present invention relates to a disposable article to prevent the misuse of a transdermal dosage form (FIG. 1(a)). The article is comprised of an outer layer (1) having an inner layer-facing side and an opposite side; an inner layer (3) having an outer layer-facing side and an opposite side, the inner layer (3) joined to the outer layer (1) to form one or more closed material reservoir (2) between the outer layer-facing side of the inner layer (2) and the inner layer-facing side of the outer layer (1); and adhesive (4) covering a first portion of the opposite side of the inner layer (3), wherein the adhesive (4) is a heat activated adhesive that changes color and/or is activated when the article is subjected to elevated temperatures, thereby sealing the transdermal dosage form within the article.