Abstract: Methods and systems are presented for providing a token exchange framework that enables exchanges of reward tokens corresponding to different reward systems and/or different merchants. The token exchange framework includes a blockchain for storing transaction data associated with transactions of reward tokens. During the onboarding process, reward systems associated with different merchants may be connected to the blockchain of the token exchange framework via one or more bridges. Reward tokens may be issued to represent reward data corresponding to the different reward systems, and can be freely exchanged within the token exchange framework via the blockchain. When a transaction for redeeming a reward is received, reward tokens in the blockchain can be converted into reward data corresponding to the merchant's reward system and process the transaction with the merchant using the converted reward data.

Abstract: Various aspects of a method and system for processing a monetary transaction are disclosed herein. The method includes registration, at a server, of a first virtual currency instrument that corresponds to a first account and one or more other virtual currency instruments that corresponds to one or more other accounts. The registered first virtual currency instrument is associated with a first value. The method further includes reception, at the server, of a redemption request of the registered first virtual currency instrument to process the monetary transaction. The received redemption request is higher than the first value associated with the registered first virtual currency instrument by an excess value.

Abstract: Various aspects of a method and system for processing a monetary transaction are disclosed herein. The method includes registration, at a server, of a first virtual currency instrument that corresponds to a first account and one or more other virtual currency instruments that corresponds to one or more other accounts. The registered first virtual currency instrument is associated with a first value. The method further includes reception, at the server, of a redemption request of the registered first virtual currency instrument to process the monetary transaction. The received redemption request is higher than the first value associated with the registered first virtual currency instrument by an excess value.

Abstract: Methods and systems for electronically displaying financial data involve, for example, providing access to an authorized user via a client computing device to financial data on a back-end server using a processor coupled to memory; likewise using the processor, sending the financial data to the client computing device from the back-end server; and also using the processor, rendering a three-dimensional graphic display showing a plurality of geographic locations associated with the financial data on the client computing device.

Abstract: A programmable electronic card assembly is provided. The programmable electronic card assembly comprising a smart phone having a receptacle, and a programmable electronic card positionable within and removable from the receptacle of the smart phone for providing power and communications interfaces with the electronic card, the card including a card body and a reprogrammable magnetic stripe positioned on a surface of the card body.

Abstract: A programmable electronic card is provided. The electronic card comprising a card body having a graphical user interface screen positioned on a front surface of the card body, a reprogrammable magnetic stripe positioned on a rear surface of the card body, a processor positioned within the card body and in electrical communication with the reprogrammable magnetic stripe and the graphical user interface screen and a memory positioned within the card body in communication with the processor, said memory storing information relating to a plurality of card accounts owned by a user, wherein the graphical user interface screen allows a user to select one of the plurality of card accounts for use and displays a graphical emulation of a physical card on the user interface screen corresponding to the selected card account, which electronically reprograms the magnetic stripe to include information relating to the selected credit card for subsequent use of the card at a point of sale.

Abstract: Methods and systems for performing mobile collections utilize computer hardware and software for receiving delivery information including, for example, an agent identifier, a delivery identifier and details of a scheduled delivery, and a buyer identifier. Upon receiving the delivery identifier and a submit request from a communication device of the agent, an authorization request is sent to a communication device of the buyer. On receiving the buyer identifier and an authorization response from the communication device of buyer, a settlement request for the delivery is sent to a banking network. Thereafter, payment for the delivery is received in an account of the supplier.

Abstract: Processes for the production of a stabilised vaccine composition of labile immunogens, wherein a fluid comprising one or more immunogens is sprayed into a reactor containing fluidised particles of a pharmaceutically acceptable water soluble material at a temperature of about 25° C. to about 50° C., such that the immunogen coats and is dried onto the particles under the fluidising conditions, and thereafter collecting from said reactor dried immunogen containing particles having a moisture content between about 0.1% w/w to about 10% w/w are described. Also described are stabilised vaccine compositions of labile immunogens.

Abstract: Methods for preparing products containing moisture-sensitive materials, including biological materials such as proteins, peptides or live cells, comprising at least the steps: (i) providing a coating liquid comprising at least one active, a sugar polymer and a water soluble/miscible solvent; (ii) providing a quantity of microparticles comprising at least water soluble gel forming solid particles; (iii) fluidizing said quantity of microparticles within a processing chamber of a of a suitable apparatus to form a fluidized bed of said microparticles; (iv) spraying said coating liquid onto said fluidized bed from beneath the fluidized bed to coat said microparticles therewith under saturated moisture conditions; and (vi) allowing coated microparticles to dry, are described. Also described are compositions and uses.

Abstract: A growth promotant comprising microgranules having a core consisting of one or more enzymes selected from: i) protein digesting enzymes; ii) carbohydrate digesting enzymes; iii) fat digesting enzymes; and iv) fiber digesting enzymes in an immobilized form; the core being encapsulated within a water soluble film, and coated with an enteric coating comprising an alkali soluble, acid insoluble polymer, or a high molecular weight polymer whose structure is substituted with or contains windows of fatty acid or other material capable of being solubilized by intestinal juices. A method for increasing animal growth comprising the administration of a growth promoting amount of the growth promotant is also described, as is a method of producing the growth promotant.