Abstract: A server includes a consent repository and a consent management interface. The consent repository is configured to store data and one or more existing consent receipts. A method performed by the server includes receiving a customer ID that corresponds to a customer. The customer ID is matched to a universal ID stored on the server. Financial account data associated with a financial account of the customer is retrieved from a financial institution associated with the customer. Furthermore, a consent request data submission is received from an external computing device. The consent request data submission includes one or more data access consents. In addition, a consent request is transmitted to the consent management interface. The consent request includes the one or more data access consents. Additionally, the consent request is digitally signed by the server and stored in the consent repository as a new consent receipt.

Abstract: A server includes a consent repository and a consent management interface. The consent repository is configured to store data and one or more existing consent receipts. A method performed by the server includes receiving a customer ID that corresponds to a customer. The customer ID is matched to a universal ID stored on the server. Financial account data associated with a financial account of the customer is retrieved from a financial institution associated with the customer. Furthermore, a consent request data submission is received from an external computing device. The consent request data submission includes one or more data access consents. In addition, a consent request is transmitted to the consent management interface. The consent request includes the one or more data access consents. Additionally, the consent request is digitally signed by the server and stored in the consent repository as a new consent receipt.

Abstract: A server includes a consent repository and a consent management interface. The consent repository is configured to store data and one or more existing consent receipts. A method performed by the server includes receiving a customer ID that corresponds to a customer. The customer ID is matched to a universal ID stored on the server. Financial account data associated with a financial account of the customer is retrieved from a financial institution associated with the customer. Furthermore, a consent request data submission is received from an external computing device. The consent request data submission includes one or more data access consents. In addition, a consent request is transmitted to the consent management interface. The consent request includes the one or more data access consents. Additionally, the consent request is digitally signed by the server and stored in the consent repository as a new consent receipt.

Abstract: A method of manufacturing a saw blade includes providing a saw blade body having an edge, forming a plurality of tooth bodies that defines a plurality of gullets in the saw blade body, coupling a cutting member to the edge of the saw blade body, and shaping the cutting member to form a cutting tooth after the cutting member is coupled to the edge. Each one of the plurality of tooth bodies defines an undercut portion positioned between adjacent tooth bodies. The cutting tooth includes a rake face extending from a tip of the cutting tooth toward the saw blade body and a relief face extending from the tip toward a second end of the cutting tooth sloping toward the saw blade body.

Abstract: A method of manufacturing a saw blade includes providing a saw blade body, forming a plurality of gullets and a first portion of a plurality of tooth bodies in the saw blade body with each gullet positioned between adjacent tooth bodies, and forming a second portion of the plurality of tooth bodies in the saw blade body separate to forming the plurality of gullets and the first portion of the plurality of tooth bodies in the saw blade body.

Abstract: A server includes a consent repository and a consent management interface. The consent repository is configured to store data and one or more existing consent receipts. A method performed by the server includes receiving a customer ID that corresponds to a customer. The customer ID is matched to a universal ID stored on the server. Financial account data associated with a financial account of the customer is retrieved from a financial institution associated with the customer. Furthermore, a consent request data submission is received from an external computing device. The consent request data submission includes one or more data access consents. In addition, a consent request is transmitted to the consent management interface. The consent request includes the one or more data access consents. Additionally, the consent request is digitally signed by the server and stored in the consent repository as a new consent receipt.

Abstract: A method for providing an accurate evaluation of a borrower's creditworthiness includes using a network-connected aggregation server to aggregate records of a plurality of financial transactions from one or more network-connected financial institution servers, wherein each record of a financial transaction comprises a unique identifier associated with its transaction and using the records of the plurality of financial transactions to determine estimated financial information of the borrower. The estimated financial information of the borrower may include an estimated cash flow stream of the borrower, an estimated income stream of the borrower, an estimated trade line of the borrower, or estimated assets of the borrower. The method may also include using the estimated financial information of the borrower to create an evaluation of the borrower's creditworthiness and providing the evaluation of the borrower's creditworthiness to a recipient that is considering whether to extend a loan to the borrower.

Abstract: Systems and methods are presented for quickly obtaining a mortgage payoff report.

Abstract: Systems and methods provide improved control and sharing of financial account and financial transaction information from a plurality of disparate banks to a plurality of disparate customers using a plurality of disparate financial services apps on a plurality of disparate devices. A centralized hub is used to provide communication between disparate bank and customer systems and devices, and a hub provider ensures that disparate financial services apps comply with applicable requirements before being allowed to participate in the information sharing system. The systems and methods provide new mechanisms to share data and new sources by which to monetize and incentivize the sharing of data.

Abstract: Systems and methods for rapidly verifying income are disclosed.

Abstract: A method of packaging a botanical arrangement includes sliding an inner container holding the botanical arrangement into a front opening of an outer container. The inner container has a flanged portion, and the outer container has a track system configured such that the flanged portion of the inner container engages with the track system of the outer container during the sliding. In addition, the method includes closing the front opening of the outer container by lifting a hinged front panel of the outer container.

Abstract: Systems and methods for decentralized distribution of verifiable information, such as financial information, without requiring resort to centralized information system at the time of a query or other request for information. A decentralized method includes the steps of creating a digital wallet, issuing/receiving an issued verifiable digital credential signed by a credential issuer acting as a trust anchor for a claim contained in the verifiable digital credential, storing the verifiable digital credential within the digital wallet, receiving a request for verified information, and providing the verifiable digital credential, including the claim, from the digital wallet. The verification of information may occur as a zero-knowledge proof such that a required standard is verified as satisfied without disclosing more information about a consumer or other user than is absolutely necessary.

Abstract: A method of manufacturing a saw blade includes providing a saw blade body, forming a plurality of gullets and a first portion of a plurality of tooth bodies in the saw blade body with each gullet positioned between adjacent tooth bodies, and forming a second portion of the plurality of tooth bodies in the saw blade body separate to forming the plurality of gullets and the first portion of the plurality of tooth bodies in the saw blade body.

Abstract: A collar stay system is provided having a collar band, swivels and retainers for holding collar stays. The system allows the user to selectively position the collar.

Abstract: A method of packaging a botanical arrangement includes sliding an inner container holding the botanical arrangement into a front opening of an outer container. The inner container has a flanged portion, and the outer container has a track system configured such that the flanged portion of the inner container engages with the track system of the outer container during the sliding. In addition, the method includes closing the front opening of the outer container by lifting a hinged front panel of the outer container.

Abstract: Systems and methods for rapidly verifying income are disclosed.

Abstract: A method for providing an accurate evaluation of a borrower's creditworthiness includes using a network-connected aggregation server to aggregate records of a plurality of financial transactions from one or more network-connected financial institution servers, wherein each record of a financial transaction comprises a unique identifier associated with its transaction and using the records of the plurality of financial transactions to determine estimated financial information of the borrower. The estimated financial information of the borrower may include an estimated cash flow stream of the borrower, an estimated income stream of the borrower, an estimated trade line of the borrower, or estimated assets of the borrower. The method may also include using the estimated financial information of the borrower to create an evaluation of the borrower's creditworthiness and providing the evaluation of the borrower's creditworthiness to a recipient that is considering whether to extend a loan to the borrower.

Abstract: Systems and methods provide improved control and sharing of financial account and financial transaction information from a plurality of disparate banks to a plurality of disparate customers using a plurality of disparate financial services apps on a plurality of disparate devices. A centralized hub is used to provide communication between disparate bank and customer systems and devices, and a hub provider ensures that disparate financial services apps comply with applicable requirements before being allowed to participate in the information sharing system. The systems and methods provide new mechanisms to share data and new sources by which to monetize and incentivize the sharing of data.

Abstract: A debris barrier assembly for use downhole includes a single body annular barrier having a bore; an extension tubular inserted through the bore; an upper tubular coupled to an upper end of the extension tubular; and a lower tubular coupled to a lower end of the extension tubular, wherein the lower tubular includes a release valve. In one embodiment, the release valve is mechanically opened. In another embodiment, a torque connection is used to couple the upper tubular to the extension tubular.

Abstract: A method and apparatus are disclosed that provide for automated financial resource allocation and accountability among various groups of budgeted accounts, which are overlaid on at least one actual account. The method provides for the user to establish the accounts to be budgeted. The user then establishes a preset spending allocation amount for each account. Each time the user makes a spending allocation for that particular account, the account reflects the amount spent and notifies the user of the remaining amount allocated for that account during a given period. Thus, the user has a more accurate accounting of an established budget with respect to the established accounts, the resources allocated to each account, and the funds actually spent from each account.