Abstract: Systems and methods for activating and using dynamic cards are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for activating a dynamic transaction instrument may include: (1) receiving, from an electronic device, an identification of an inactive financial instrument to activate; (2) receiving, from the electronic device, at least one parameter that restricts the use of the inactive financial instrument after it is activated; and (3) activating the inactive financial instrument subject to the at least one parameter by associating, at a backend, an account with the inactive financial instrument.

Abstract: Systems and methods for activating and using dynamic cards are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for activating a dynamic transaction instrument may include: (1) receiving, from an electronic device, an identification of an inactive financial instrument to activate; (2) receiving, from the electronic device, at least one parameter that restricts the use of the inactive financial instrument after it is activated; and (3) activating the inactive financial instrument subject to the at least one parameter by associating, at a backend, an account with the inactive financial instrument.

Abstract: Systems and methods for account agnostic transaction routing are disclosed. According to one embodiment, in an information processing device comprising at least one computer processor, a method for account agnostic transaction routing may include: (1) receiving an identifier for a first financial instrument for a transaction being conducted at a point of transaction; (2) retrieving a plurality of financial instruments associated with the identifier, the plurality of financial instruments comprising the first financial instrument; (3) retrieving at least one transaction routing rule associated with the plurality of financial instruments, the transaction routing rule specifying a condition for using one of the plurality of financial instruments; (4) identifying one of the plurality of financial instruments for conducting the transaction based on the transaction and the transaction routing rule; and (5) settling the transaction with the identified financial instrument.

Abstract: Quantum Mechanics Instruction Production (QMIP) systems, methods, and computer-readable media are described. In some implementations, the QMIP system may comprise an input/output module, a database library module, a tradeoff module, a printer module, a samples analyzer module, and a test bench module. Some implementations can include a Nosanow Fermion and Boson Wave Module (or Nosanow Fermion Wave Module), a Grand Free Energy Module, an artificial intelligence module, a chemical bench module, a simulation module, and a metrology and interferometry module. The QMIP system can be programmed and configured to implement a quantum computer and algorithms that are executed on the quantum computer system, which notably, benefit from improved coherence and stability. In some implementations, the QMIP system may be programmed and configured to design new materials such as superconductors, superfluids, photovoltaics, and new drug therapies to treat disease.

Abstract: A system is provided for facilitating acquisition of credit products by a customer from a financial institution. At least one computer memory stores customer data and instructions and at least one computer processor accesses the computer memory and executing the stored instructions for performing multiple steps. Steps include receiving over a network, from the customer, a universal application for pre-approval for a suite of credit products and processing the universal application by determining customer eligibility for the credit products. The steps further include selecting available credit products from the suite of credit products based on the customer eligibility and aggregating the available credit products on a user interface and displaying the user interface over a network accessible to a customer computing system, wherein the aggregated available credit products are displayed in a selectable format.

Abstract: A system may perform steps such as receiving a bank card transaction authorization stream including a URL originating from the merchant computing system, the URL received in a discretionary field in the authorization stream for a bank card purchase. The system further perform the step of retrieving information at a location referenced by the URL, wherein the information includes at least a merchant identifier and line item data related to a purchase. The system may additionally attaching the retrieved data to the transaction to create a complete description of the transaction analyze the complete description of the transaction for creating at least one customer interface for the customer and at least one merchant interface for the merchant based on the analysis.

Abstract: The invention comprises a system and method for “waterfall” type payment processing using multiple alternative payment sources. A payor provides account information for multiple payment sources, such as a bank checking account, savings account, first credit card account, second credit card account, and so forth. The multiple payment sources are prioritized so that one is a primary payment source, another is a secondary payment source, another is a tertiary payment source, and so forth. After setting up the waterfall payment arrangement, when a bill becomes due a payee or third party payment administrator submits transactions against the payment sources in their order of priority until the payment is satisfied. Other variations and enhancements are disclosed.

Abstract: Systems and methods for activating and using dynamic cards are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for activating a dynamic transaction instrument may include: (1) receiving, from an electronic device, an identification of an inactive financial instrument to activate; (2) receiving, from the electronic device, at least one parameter that restricts the use of the inactive financial instrument after it is activated; and (3) activating the inactive financial instrument subject to the at least one parameter by associating, at a backend, an account with the inactive financial instrument.

Abstract: Systems and methods for account agnostic transaction routing are disclosed. According to one embodiment, in an information processing device comprising at least one computer processor, a method for account agnostic transaction routing may include: (1) receiving an identifier for a first financial instrument for a transaction being conducted at a point of transaction; (2) retrieving a plurality of financial instruments associated with the identifier, the plurality of financial instruments comprising the first financial instrument; (3) retrieving at least one transaction routing rule associated with the plurality of financial instruments, the transaction routing rule specifying a condition for using one of the plurality of financial instruments; (4) identifying one of the plurality of financial instruments for conducting the transaction based on the transaction and the transaction routing rule; and (5) settling the transaction with the identified financial instrument.

Abstract: The invention provides a system and method for using transaction data to provide information to a customer, the information being provided in response to a request from the customer so as to assist the customer in decisioning. The method may comprising inputting transaction data regarding a plurality of transactions effected at a plurality of merchants; inputting a request for information from a requesting customer, the request including parameters related to the request; performing processing based on both the transaction data and the request for information, the processing including generating a response to the request; and outputting the response to the requesting customer. The request and processing may relate to identifying activities of similarly situated persons vis-à-vis the requesting customer, based on the transaction data. The request may relate to identifying an optimum merchant to secure purchase of a target item.

Abstract: A system may perform steps such as receiving a bank card transaction authorization stream including a URL originating from the merchant computing system, the URL received in a discretionary field in the authorization stream for a bank card purchase. The system further perform the step of retrieving information at a location referenced by the URL, wherein the information includes at least a merchant identifier and line item data related to a purchase. The system may additionally attaching the retrieved data to the transaction to create a complete description of the transaction analyze the complete description of the transaction for creating at least one customer interface for the customer and at least one merchant interface for the merchant based on the analysis.

Abstract: A system may perform steps such as receiving a bank card transaction authorization stream including a URL originating from the merchant computing system, the URL received in a discretionary field in the authorization stream for a bank card purchase. The system further perform the step of retrieving information at a location referenced by the URL, wherein the information includes at least a merchant identifier and line item data related to a purchase. The system may additionally attaching the retrieved data to the transaction to create a complete description of the transaction analyze the complete description of the transaction for creating at least one customer interface for the customer and at least one merchant interface for the merchant based on the analysis.

Abstract: A record-pattern expression of a record pattern of data records is translated to a character-pattern expression of a character pattern. A data-record series of data records is converted to a character string in which each character in the character string corresponds to a respective data record in the data-record series. Pattern instances of the character pattern in the character string are searched to identify ordinal character positions in the character string of characters in the character pattern instances. Data records at ordinal record positions in the record series of data records corresponding to the ordinal character positions are reported.

Abstract: The invention provides a system and method for using transaction data to provide information to a customer, the information being provided in response to a request from the customer so as to assist the customer in decisioning. The method may comprising inputting transaction data regarding a plurality of transactions effected at a plurality of merchants; inputting a request for information from a requesting customer, the request including parameters related to the request; performing processing based on both the transaction data and the request for information, the processing including generating a response to the request; and outputting the response to the requesting customer. The request and processing may relate to identifying activities of similarly situated persons vis-à-vis the requesting customer, based on the transaction data. The request may relate to identifying an optimum merchant to secure purchase of a target item.

Abstract: The invention comprises a system and method for “waterfall” type payment processing using multiple alternative payment sources. A payor provides account information for multiple payment sources, such as a bank checking account, savings account, first credit card account, second credit card account, and so forth. The multiple payment sources are prioritized so that one is a primary payment source, another is a secondary payment source, another is a tertiary payment source, and so forth. After setting up the waterfall payment arrangement, when a bill becomes due a payee or third party payment administrator submits transactions against the payment sources in their order of priority until the payment is satisfied. Other variations and enhancements are disclosed.

Abstract: The invention comprises a system and method for “waterfall” type payment processing using multiple alternative payment sources. A payor provides account information for multiple payment sources, such as a bank checking account, savings account, first credit card account, second credit card account, and so forth. The multiple payment sources are prioritized so that one is a primary payment source, another is a secondary payment source, another is a tertiary payment source, and so forth. After setting up the waterfall payment arrangement, when a bill becomes due a payee or third party payment administrator submits transactions against the payment sources in their order of priority until the payment is satisfied. Other variations and enhancements are disclosed.

Abstract: An in-show product advertisement and purchase system is disclosed. The system effectively promotes product advertisement as well as enables customers to conveniently purchase the desired products directly from a displaying medium during the advertisement. The system establishes a linkage between show content and advertised products such that customers have practical impression and experience about what the advertised products embody in real life. The system is a TV version of an online store. The system is an interactive and listable method for advertisement. The in-show products are updateable.

Abstract: A record-pattern expression of a record pattern of data records is translated to a character-pattern expression of a character pattern. A data-record series of data records is converted to a character string in which each character in the character string corresponds to a respective data record in the data-record series. Pattern instances of the character pattern in the character string are searched to identify ordinal character positions in the character string of characters in the character pattern instances. Data records at ordinal record positions in the record series of data records corresponding to the ordinal character positions are reported.

Abstract: Systems and methods for universal instant credit are disclosed. In one embodiment, a method of offering a financial instrument to a customer includes (1) using a computer processor, an issuer providing a customer with an application for a financial instrument; (2) the issuer receiving from the customer a completed application for the financial instrument; (3) using the computer processor, the issuer determining whether to approve the customer for the financial instrument; (4) using the computer processor, the issuer transmitting a first portion of an account identifier to a merchant; and (5) using the computer processor, the issuer transmitting a second portion of the account identifier to the customer. The financial instrument may be a credit card, a stored value card, a line of credit, etc.

Abstract: The present invention relates to collapsible cribs. The cribs have one or more of the following characteristics: adjustable length and/or, width and/or height, lightweight, easily collapsed, very compact when collapsed and easily carried, stored and transported. Embodiments disclosed relate to pens, cribs, and play yards with and without wheels.