Abstract: Various embodiments concern facilitating a money transfer by creating a first profile for a first user and a second profile for a second user. The first user can select the second profile from a plurality of profiles. The first user can enter a value designation for the transfer of money from the first user to the second user. A computing system can then stage the transfer of money based on previously saved profile information for the first user and the second user. The profile information can be used to set a plurality of terms of the money transfer without requiring either of the first user or the second user to reenter this information or otherwise affirmatively set the plurality of terms of the money transfer.

Abstract: Various embodiments concern facilitating a money transfer by creating a first profile for a first user and a second profile for a second user. The first user can select the second profile from a plurality of profiles. The first user can enter a value designation for the transfer of money from the first user to the second user. A computing system can then stage the transfer of money based on previously saved profile information for the first user and the second user. The profile information can be used to set a plurality of terms of the money transfer without requiring either of the first user or the second user to reenter this information or otherwise affirmatively set the plurality of terms of the money transfer.

Abstract: Various embodiments concern facilitating a money transfer by creating a first profile for a first user and a second profile for a second user. The first user can select the second profile from a plurality of profiles. The first user can enter a value designation for the transfer of money from the first user to the second user. A computing system can then stage the transfer of money based on previously saved profile information for the first user and the second user. The profile information can be used to set a plurality of terms of the money transfer without requiring either of the first user or the second user to reenter this information or otherwise affirmatively set the plurality of terms of the money transfer.

Abstract: Various embodiments concern facilitating a money transfer by creating a first profile for a first user and a second profile for a second user. The first user can select the second profile from a plurality of profiles. The first user can enter a value designation for the transfer of money from the first user to the second user. A computing system can then stage the transfer of money based on previously saved profile information for the first user and the second user. The profile information can be used to set a plurality of terms of the money transfer without requiring either of the first user or the second user to reenter this information or otherwise affirmatively set the plurality of terms of the money transfer.

Abstract: A system for bill payment services includes a computer system for accessing biller data, the biller data comprising at least an account identifier, an amount due, and a nominal bill due date. A payment option generator is configured for developing at least one payment option, where a payment is specified responsive to a difference between a proposed payment date and the nominal bill due date. A payer interface is configured for presenting the payment option to the payer, and for accepting a payer option selection and payment funding confirmation. A payment execution controller is responsive to the payer option selection and funding confirmation, for initiating payment to a biller account on behalf of the payer.

Abstract: The heated soap bar-forming device includes a housing with a storage compartment adjacent to a heating compartment. The heating compartment is responsible for melting soap remnants into a soap bar in order to re-use said soap remnants. Both the storage compartment and the heating compartment include a removable lid. The heating compartment includes a heating element that is horizontally oriented within the heating compartment. A removable soap tray is able to be placed atop of the heating element, and/or removed from the heating compartment. The heating compartment features an insulator and tray guide that ensures the removable soap tray is able to be properly seated and removed from the heating compartment. Located on the housing, and adjacent to the heating compartment is a control member that adjusts the output of heat and operation of the heating element.

Abstract: Various embodiments concern facilitating a money transfer by creating a first profile for a first user and a second profile for a second user. The first user can select the second profile from a plurality of profiles. The first user can enter a value designation for the transfer of money from the first user to the second user. A computing system can then stage the transfer of money based on previously saved profile information for the first user and the second user. The profile information can be used to set a plurality of terms of the money transfer without requiring either of the first user or the second user to reenter this information or otherwise affirmatively set the plurality of terms of the money transfer.

Abstract: A system for third party bill payment services used by a payer to pay a biller with whom a payer has an account includes a third party computer system for accessing biller data, the biller data for the payer comprising at least one account identifier an amount due, and a nominal bill due date; a payment option generator for developing at least one payment option wherein the payment specified is responsive to a difference between a proposed payment date and the nominal bill due date; a payer interface for presenting the at least one payment option to the payer and for accepting a payer option selection and a payment funding confirmation; and a payment execution controller responsive to the payer option selection and funding confirmation, for initiating payment to a biller account on behalf of the payer.

Abstract: A system for third party bill payment services used by a payer to pay a biller with whom a payer has an account includes a third party computer system for accessing biller data, the biller data for the payer comprising at least one account identifier, an amount due, and a nominal bill due date; a payment option generator for developing at least one payment option wherein the payment specified is responsive to a difference between a proposed payment date and the nominal bill due date; a payer interface for presenting the at least one payment option to the payer and for accepting a payer option selection and a payment funding confirmation; and a payment execution controller responsive to the payer option selection and funding confirmation, for initiating payment to a biller account on behalf of the payer.

Abstract: A system for third party bill payment services is provided.

Abstract: A skateboard with propulsion, visual and aural enhancement. The propulsion enhancement is provided by a transmission device which is mounted adjacent at least one wheel of the skateboard. The transmission device includes a spring for storing energy during one mode of operation and releasing energy during a second mode. A lever controlled by the foot of the user shifts between the two modes. The transmission may also include a retarding force for controlling the speed of the skateboard. Various devices, e.g., lights, sound, smoke and hubcaps, are included which add to the attractiveness of the skateboard.

Abstract: A fishing rod holder has two pivotally connected brackets. One braket has a hollow cylindrical opening to receive the rod and has a clamp for securing the holder to a stationary surface. A quick release lever allows the rod to be removed from the holder in time to hook a fish. Also, the angular position of the brackets with respect to each other can be set to meet desired fishing conditions.

Abstract: Apparatus for keeping food hot and/or cold includes a body of heavily insulated material in which there are separate recesses for hot food and cold food. The cold food is kept cold by means of an ice compartment located in the bottom of one recess and an exhaustible refrigeration unit located in the top of that recess. The hot food is kept warm by means of an electrical coil in the bottom of the recess and a solar heating panel in the top.