Abstract: An integral optical construction includes an optical film, a lens layer disposed on a first side of the optical film and having microlenses arranged two-dimensionally across the lens layer, and an optically opaque mask layer on a second side of the optical film defining a plurality of through openings. The openings have a one-to-one correspondence with the microlenses, such that, for a collimated incident light, for at least one polarization state, and for at least one of a blue wavelength range, a green wavelength range, and a red wavelength range, the optical film has an average transmittance T1 for an incident angle less than 10 degrees and an average transmittance T2 for an incident angle greater than 35 degrees, such that T1/T2?1.5, and regions of the mask layer between openings have an average optical density of greater than about 2 in the blue, green, and red wavelength ranges.

Abstract: An optical stack for sensing a presence of an analyte is provided. The optical stack includes a sensor material. The sensor material includes a first optical response including a first optical property having a second value in response to an excitation signal including the first optical property having a first value different from the second value. The first optical response includes a second optical property sensitive to the presence of the analyte. The optical stack includes a first optical film disposed proximate the sensor material and includes a third optical property having respective third and fourth values in response to the respective first and second values of the first optical property. The third value is different from the fourth value by at least a factor of 2.

Abstract: An optical system includes a front optical film and a back reflector defining a light recycling optical cavity therebetween. The optical cavity is configured to receive a test sample. The optical system includes a light source disposed on the front optical film side of the optical cavity and configured to emit first and second lights having respective intensities I1b and I1g and respective first and second wavelengths toward the optical cavity, such that when the test sample is disposed in the recycling optical cavity and the emitted first and second lights are recycled in the optical cavity while being at least partially absorbed by the test sample, at least portions of the recycling emitted first and second lights exit the optical cavity through the front optical film as respective exiting first and second lights having respective optical intensities I2b and I2g. I2g/I1g is greater than I2b/I1b by at least 10%.

Abstract: An optical stack for sensing a presence of an analyte is provided. The optical stack includes a sensor material. The sensor material includes a first optical response including a first optical property having a second value in response to an excitation signal including the first optical property having a first value different from the second value. The first optical response includes a second optical property sensitive to the presence of the analyte. The optical stack includes a first optical film disposed proximate the sensor material and includes a third optical property having respective third and fourth values in response to the respective first and second values of the first optical property. The third value is different from the fourth value by at least a factor of 2.

Abstract: An integral optical construction includes a lens layer including a structured first major surface having a plurality of microlenses. An optically opaque mask layer is disposed on the lens layer and defines a plurality of openings. Each of the openings extends from a first major surface of the mask layer facing the lens layer to an opposite second major surface of the mask layer. The openings are in a one-to-one correspondence with the microlenses. Regions of the mask layer between the openings have an optical density of greater than about 2 for at least a first visible wavelength in a visible wavelength range. An optical adhesive layer is disposed on, and makes physical contact with, the second major surface of the mask layer. The optical adhesive layer defines a recess at each of the openings. The recess includes a closed bottom and an opposite open top open to the opening.

Abstract: An optical stack for sensing a presence of an analyte is provided. The optical stack includes a sensor material. The sensor material includes a first optical response including a first optical property having a second value in response to an excitation signal including the first optical property having a first value different from the second value. The first optical response includes a second optical property sensitive to the presence of the analyte. The optical stack includes a first optical film disposed proximate the sensor material and includes a third optical property having respective third and fourth values in response to the respective first and second values of the first optical property. The third value is different from the fourth value by at least a factor of 2.

Abstract: An integral optical construction includes a lens layer including a structured first major surface having a plurality of microlenses. An optically opaque mask layer is disposed on the lens layer and defines a plurality of openings. Each of the openings extends from a first major surface of the mask layer facing the lens layer to an opposite second major surface of the mask layer. The openings are in a one-to-one correspondence with the microlenses. Regions of the mask layer between the openings have an optical density of greater than about 2 for at least a first visible wavelength in a visible wavelength range. An optical adhesive layer is disposed on, and makes physical contact with, the second major surface of the mask layer. The optical adhesive layer defines a recess at each of the openings. The recess includes a closed bottom and an opposite open top open to the opening.

Abstract: Customer data is securely downloaded to a browser toolbar by performing a check to determine whether a request for customer data includes a request for personal identifiable information requiring encryption by a public encryption key generated by the browser toolbar. The customer is authenticated based on a set of a user credential and an account specific access credential. The account specific access credential is associated with the account of the customer. Requested personal identifiable information is encrypted using the public encryption key generated by the browser toolbar. Encrypted personal identifiable information is transmitted to the browser toolbar.

Abstract: Customer data is securely downloaded to a browser toolbar by performing a check to determine whether a request for customer data includes a request for personal identifiable information requiring encryption by a public encryption key generated by the browser toolbar. The customer is authenticated based on a set of a user credential and an account specific access credential. The account specific access credential is associated with the account of the customer. Requested personal identifiable information is encrypted using the public encryption key generated by the browser toolbar. Encrypted personal identifiable information is transmitted to the browser toolbar.

Abstract: Customer data is securely downloaded to a browser toolbar by performing a check to determine whether a request for customer data includes a request for personal identifiable information requiring encryption by a public encryption key generated by the browser toolbar. The customer is authenticated based on a set of a user credential and an account specific access credential. The account specific access credential is associated with the account of the customer. Requested personal identifiable information is encrypted using the public encryption key generated by the browser toolbar. Encrypted personal identifiable information is transmitted to the browser toolbar.

Abstract: Customer data is securely downloaded to a browser toolbar by performing a check to determine whether a request for customer data includes a request for personal identifiable information requiring encryption by a public encryption key generated by the browser toolbar. The customer is authenticated based on a set of a user credential and an account specific access credential. The account specific access credential is associated with the account of the customer. Requested personal identifiable information is encrypted using the public encryption key generated by the browser toolbar. Encrypted personal identifiable information is transmitted to the browser toolbar.

Abstract: A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.

Abstract: A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.

Abstract: A method for registering biometric information for use in a transponder-reader system is disclosed. The method includes steps of detecting, verifying and storing a proffered biometric sample. During detecting, a sensor detects a proffered biometric to obtain a biometric sample. During the verifying step, the biometric sample is compared with other stored samples and/or other information. During the storing step, the biometric sample is stored on a database, for use by the transponder-reader system in authorizing transactions.

Abstract: Customer data is securely downloaded to a browser toolbar by performing a check to determine whether a request for customer data includes a request for personal identifiable information requiring encryption by a public encryption key generated by the browser toolbar. The customer is authenticated based on a set of a user credential and an account specific access credential. The account specific access credential is associated with the account of the customer. Requested personal identifiable information is encrypted using the public encryption key generated by the browser toolbar. Encrypted personal identifiable information is transmitted to the browser toolbar.

Abstract: A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.

Abstract: The present invention discloses a system and methods for biometric security using multiple biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. In yet another embodiment, the present invention discloses methods for proffering and processing multiple biometric samples to facilitate authorization of transactions.

Abstract: Customer data is securely downloaded to a browser toolbar by performing a check to determine whether a request for customer data includes a request for personal identifiable information requiring encryption by a public encryption key generated by the browser toolbar. The customer is authenticated based on a set of a user credential and an account specific access credential. The account specific access credential is associated with the account of the customer. Requested personal identifiable information is encrypted using the public encryption key generated by the browser toolbar. Encrypted personal identifiable information is transmitted to the browser toolbar.

Abstract: The present invention discloses a system and methods for biometric security using multiple biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. In yet another embodiment, the present invention discloses methods for proffering and processing multiple biometric samples to facilitate authorization of transactions.

Abstract: A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.