Abstract: The present disclosure is directed towards a coated metal substrate comprising a first coating layer comprising zinc particles and a binder comprising a first organic film-forming binder or an inorganic binder, wherein the first coating layer comprises zinc particles in an amount of at least 75% by weight, based on the total weight of the first coating layer; a second coating layer on the first coating layer, the second coating layer comprising aluminum metal particles, an alkaline earth metal compound, and a second organic binder; and optionally, a third coating layer. Also disclosed are systems and methods for coating metal substrates.

Abstract: The present invention is directed to a coated metal substrate comprising a metal substrate; and a coating applied over at least a portion of the metal substrate, wherein the coating comprises a film-forming binder; magnesium oxide; an aluminum compound and/or iron compound; and aluminum particles. The present invention also provides a curable film-forming coating composition comprising a film-forming binder; magnesium oxide; an aluminum and/or iron compound; and aluminum particles. Also disclosed are methods of coating a substrate.

Abstract: A hydrating mouth guard is provided for storing a hydrating fluid in the mouth guard to facilitate hydration of a player during game play. The mouth guard includes a mouthpiece having a bottom portion and a pair of spaced walls. The walls extend upwardly from the bottom portion forming a channel configured for receiving the upper teeth of a user. An extension segment extends from the mouthpiece. An exterior segment is coupled to a distal end of the extension segment relative to the mouthpiece. A reservoir is provided having a main portion positioned in the exterior segment. The reservoir includes a conduit portion extending from the main portion through the extension segment into the bottom portion of the mouthpiece. A plurality of perforations in mouthpiece extends into the reservoir. The perforations are configured to release fluid from the reservoir into a mouth of the user.

Abstract: A method and system for identifying merchants at which payment accounts (e.g., credit card accounts) have been compromised. A set of “pre-fraud” payment accounts is first identified, the pre-fraud accounts being compromised accounts previously used to conduct legitimate transactions. A set of suspect merchant accounts is selected, wherein transactions with each of the suspect merchant accounts have been conducted with no fewer than a threshold number of the pre-fraud payment accounts, and wherein at least a threshold percentage of the business transacted with the merchant was transacted using pre-fraud payment accounts. Once selected, the suspect merchant accounts can be subjected to further investigation.

Abstract: A method and system for identifying patterns of payment account (e.g., credit card account) transactions that have a high probability of being part of a fraudulent scheme. Certain merchant accounts and payment accounts may have been obtained under false pretenses. For example, the payment accounts may have been obtained with the intention of never paying the bills with a true instrument. Merchant accounts may have been obtained in order to perform transactions either with payment accounts obtained under false pretenses or with stolen payment account information. To detect suspicious patterns of account activity, payment accounts that are new or exhibit a substantial increase in account activity are first identified. Merchant accounts having an unusually large number or value of transactions with such new or newly active payment accounts are also identified. Such merchants and payment accounts can then be subjected to further scrutiny by the affected institutions.

Abstract: A method and system for identifying patterns of payment account (e.g., credit card account) transactions that have a high probability of being part of a fraudulent scheme. Certain merchant accounts and payment accounts may have been obtained under false pretenses. For example, the payment accounts may have been obtained with the intention of never paying the bills with a true instrument. Merchant accounts may have been obtained in order to perform transactions either with payment accounts obtained under false pretenses or with stolen payment account information. To detect suspicious patterns of account activity, payment accounts that are new or exhibit a substantial increase in account activity are first identified. Merchant accounts having an unusually large number or value of transactions with such new or newly active payment accounts are also identified. Such merchants and payment accounts can then be subjected to further scrutiny by the affected institutions.

Abstract: A method and system for identifying merchants at which payment accounts (e.g., credit card accounts) have been compromised. A set of “pre-fraud” payment accounts is first identified, the pre-fraud accounts being compromised accounts previously used to conduct legitimate transactions. A set of suspect merchant accounts is selected, wherein transactions with each of the suspect merchant accounts have been conducted with no fewer than a threshold number of the pre-fraud payment accounts, and wherein at least a threshold percentage of the business transacted with the merchant was transacted using pre-fraud payment accounts. Once selected, the suspect merchant accounts can be subjected to further investigation.