86results about "Complete banking system" patented technology

A wrapped surgical pack (400) includes a plurality of adhesive bindings (301,302) that retain an identification device (305) against an outer wrap (201) of the wrapped surgical pack (400). The identification device (305) is capable of being read by a remote reader (801). When the wrapped surgical pack (400) is opened, the physical structure of the identification device (305) is altered, thereby allowing one or more processors operable with the remote reader (801) to detect the opening event. A system (800) using the identification device (305) can be used for order fulfillment, inventory management, location tracking, and other systems.

Various embodiments are disclosed for a services policy communication system and method. In some embodiments, a communications device implements a service policy for assisting control of the communications device use of a service on a network; and monitors use of the service based on the service policy, in which a local service usage is synchronized with a network based service usage.

Various embodiments are disclosed for a services policy communication system and method. In some embodiments, a communications device implements a service policy for assisting billing for the communications device use of a service on a network; and monitors use of the service based on the service policy, in which a local service usage is synchronized with a network based service usage.

A wireless security module (20) adapted to authenticate a mobile device (16), such as a mobile telephone, thereby to allow communication between the mobile device and a terminal (12), such as a self-service terminal. The wireless security module (20) is paired with the mobile device (16) and is adapted to send an authentication signal to the mobile device (16) or the terminal (12) using a wireless communication path, such as a telecommunications network or an IR link or a Bluetooth connection.

An energy transfer system comprises a transmitter array, an energy transfer controller, a receiver array, a charging module. The transmitter array is embedded in a roadway and the energy transfer controller is coupled to the transmitter array. The receiver array and the charging module are part of a mobile vehicle. The transmitter array and the receiver array each include a plurality of coils. The energy transfer controller estimates a likely trajectory of the mobile vehicle and energizes individual coils of the transmitter array using this position estimate. The energy transfer controller varies the resonant circuit component values of the transmitter during the transfer cycle such as resonant coupling capacitance values. The charging module also varies the resonant circuit component values of the coils in the receiver array to match the transfer array for transfer of energy from the transmitter array to the receiver array. The present invention also includes a method for energy transfer.

The invention relates to a method and to a device for the authorization in data transmission systems employing a transaction authorization number (TAN) or a comparable password. According to a first step, the user sends a qualifying identification of the data input apparatus together with a request for the generation or for the selection of a transaction authorization number TAN or of comparable password from a data file from the data input apparatus to an authorization computer. In a second step the authorization computer generates the transaction authorization number TAN or the comparable password or selects them form a data file. According to a third step, the authorization computer sends the transaction authorization number TAN or the comparable password over a second transmission path different from the first transmission path to a monitor, for example a pager. According to a fourth step, the user reads this transaction authorization number TAN or the comparable password from the receiver and enters the transaction authorization number TAN or the comparable password into the data input apparatus. According to a fifth step, this transaction authorization number TAN or the comparable password is transmitted to the authorization computer. According to a sixth step, the authorization computer verifies the validity of the transaction authorization number TAN or of the comparable password in order to establish or switch free, according to a seventh step, a connection between the data input apparatus and the receiver unit.

Various embodiments are disclosed for a services policy communication system and method. In some embodiments, a network device executes a service controller for a plurality of device groups, in which the service controller includes a capability to securely partition one or more device group database partitions, each device group partition includes service controller system settings, and each device group includes a plurality of communication devices controlled by a virtual service provider.

A network-controlled charge transfer device for transferring charge between a local power grid and an electric vehicle is mounted to a street light. The charge transfer device includes the following: an electrical receptacle to receive an electrical connector for connection to the electric vehicle; an electric power line that couples the power grid to the electrical receptacle through a wiring box; a control device to switch the receptacle on and off; a current measuring device to measure current flowing through the electric power line; and a controller to operate the control device and to monitor output from the current measuring device.

The invention as described provides a method and system for tokenless authorization of commercial transactions between a buyer and a seller using a computer system. The method comprises the steps of registering a buyer, wherein the buyer registers with the computer system a PIN, at least one registration biometric sample, and at least one buyer financial account. The method also includes a seller registration step, wherein the seller registers with the computer system at least one seller financial account. In a proposal step, the seller offers a proposed commercial transaction to the buyer usually comprising price information. If the buyer accepts the seller's proposal, in an acceptance step, the buyer signals his / her acceptance by adding to the proposed commercial transaction the buyer's personal authentication information comprising a PIN and at least one bid biometric sample which is obtained from the buyer's person. In a transmission step, the bid biometric sample and PIN are forwarded to the computer system. The computer system compares the bid biometric sample with registration biometric samples for producing either a successful or failed identification of the buyer in a buyer identification step. Upon determination of sufficient resources, a financial account of the buyer is debited and a financial account of the seller is credited, in a payment step. Therefore, a commercial transaction is conducted without the buyer having to use any portable man-made memory devices such as smartcards or swipe cards.

Information relating to electrical energy usage for a given account is associated with a time segment that corresponds to a period when the electrical energy was received from an electrical energy distribution system. Electrical energy generation carbon impact information is retrieved for the corresponding time segment specifying when the electrical energy was received from an electrical energy distribution system. A carbon credit is calculated according to the retrieved electrical energy generation carbon impact information, and the retrieved electrical energy usage information associated with the time segment. The calculated carbon credit is then used to update a display of carbon credit related information, such as account balance, rate of carbon credit usage, currently applicable “cost” for carbon credit usage. Notifications can be provided to the consumer if any of this information crosses a threshold value. In addition, or alternatively, the carbon credit related information can be used to automatically control the operation of devices that consume electrical energy.

A system and method are described for reducing the cost of efficient vehicles. For example, a computer-implemented system according to one embodiment of the invention comprises: a vehicle equipped with a memory for storing program code and a processor for processing the program code to perform a specified set of operations, the vehicle further comprising a data communication interface; a fuel pump of electrical charging station having a data communication interface, wherein the fuel pump of electrical charging station and the vehicle establish a digital data communication channel using the data communication interfaces as the vehicle is being refueled or charged; wherein the fuel pump of electrical charging station provides an amount of fuel or electricity to the vehicle and, after or during fueling or recharging, transmits an indication of the amount of fuel or electricity consumed by the vehicle to a third party server; wherein the third party server is maintained by a third party having a contractual relationship with an owner / operator of the vehicle in which the vehicle has been provided to the owner / operator at a reduced cost in exchange for an agreement by the owner / operator to provide the third party a supplemental payment based on the amount of fuel or electricity consumed by vehicle, wherein in response to receipt of the indication of the amount of fuel or electric consumed by the vehicle, the third party charges the owner / operator a supplement amount based on the amount of fuel or electricity used by the owner / operator.

Various embodiments are disclosed for a services policy communication system and method. In some embodiments, a network device collects a plurality of service usage measurements for a communications device use of a service on a network; and compares the plurality of service usage measurements to a device assisted implementation of a service policy to verify the device assisted implementation of the service policy.

An exchange system for intangible goods comprises a first user system, a second user system, a registry system, a clearinghouse system and a hash module coupled for communication with each other. The first and second user systems includes a content module for acting as a repository for intangible goods, a pricing module for setting the price of intangible goods, a transaction generator module for creating transactions between seller and buyer, and a transaction log module for recording any transaction in which the user system participates. These systems are used to consummate transactions with other users for exchanging intangible goods. As part of each transaction, the user and the transaction must be entered or registered in the registry system. The registry system comprises an account module and a transaction log module for maintaining the anonymity of the sellers and buyers. The hash module is used by the other modules to generate unique hash codes that are used to access transactions and to validate users. The clearinghouse system includes an account module, an audit module, and a transaction log module for clearing and posting transactions once they have been verified between two users.

Various embodiments are disclosed for a services policy communication system and method. In some embodiments, a communications device implements a service profile for assisting control of the communications device use of a service on a network, in which the service profile includes service policy settings, and the service profile is associated with an ambient service plan that provides for initial access to the service with limited service capabilities prior to activation of a new service plan; and monitors use of the service based on the service profile.

A network for processing retail sales transactions includes a customer transceiver with a unique customer number, a reader receiving the customer number and sending it to a point-of-sale device where it is combined with transaction information to form a transaction entry. The transaction entry is sent through a merchant computer to a transaction processing system having a customer database. The transaction processing system references an entry in the customer database corresponding to the customer / transmitter ID number and routes the transaction entry to a payment processing system specified in the customer database entry.

A solution for further automating the identification, processing, and / or routing of rail vehicles is provided. Each individual rail vehicle in a series of rail vehicles is identified and measurement data is acquired for the rail vehicle. The measurement data is analyzed and the rail vehicle is automatically routed based on the analysis. The rail vehicle can be routed to an outbound track based on a destination, to a maintenance shop for repair, and / or to a local track for repair and / or re-measurement. The solution can further incorporate expert systems and data mining to reduce the number of rail vehicles that are unnecessarily routed for repair and / or inadvertently allowed to pass with one or more unsafe conditions.

Various embodiments are disclosed for a services policy communication system and method. In some embodiments, a network device collects service usage measurements for a communications device use of a service on a network; and compares the service usage measurements to a device assisted implementation of a service policy to verify the device assisted implementation of the service policy.

An energy management system which will allow the owner to set a minimum energy reserve or charge for an energy storage device (ESD), such ESD being coupled to an asset that is further connected to the electric utility grid. A plurality of sensors may be utilized to provide data, including ESD health and ambient conditions, so that, along with other owner data inputs and profile information, an appropriate amount of energy may be charged to and maintained in the ESD to enable the associated asset to perform anticipated tasks. The energy management system may be either directly or remotely programmed via secure communications, and will further provide the owner with the ability to discharge energy back to the grid during demand events, or to discharge to other owner specified assets, at the owner's discretion.

Various embodiments are disclosed for a services policy communication system and method. In some embodiments, a network device implements a service profile for assisting control of a communications device use of a service on a network, in which the service profile includes service policy settings, and the service profile is associated with an ambient service plan for the communications device that provides for initial access to the service with limited service capabilities prior to activation of a new service plan for the communications device; and monitors use of the service by the communications device based on the service profile.

The present invention provides a method and system for determining a near-field communication interaction in a wireless tracking mesh network. The present invention preferably utilizes near-field communication devices in conjunction with tracking tags to transmit signals for reception by sensors stationed throughout a facility which form a mesh network and forward the signals to an information engine for analysis. Bearers of the near-field communication devices preferably include individuals, objects, assets and rooms of the facility.

A solution for further automating the identification, processing, and / or routing of rail vehicles is provided. Each individual rail vehicle in a series of rail vehicles is identified and measurement data is acquired for the rail vehicle. The measurement data is analyzed and the rail vehicle is automatically routed based on the analysis. The rail vehicle can be routed to an outbound track based on a destination, to a maintenance shop for repair, and / or to a local track for repair and / or re-measurement. The solution can further incorporate expert systems and data mining to reduce the number of rail vehicles that are unnecessarily routed for repair and / or inadvertently allowed to pass with one or more unsafe conditions.

System and method include precisely modeling of a facility's energy usage over time based on historic data, and precisely predicting or measuring its actual, reduced energy usage over time after a redesign, retrofit, or renovation, or other positive change to the facility. The energy cost savings, whether over a time point of view (POV) of predicted, real-time, or historic, are creditable to the intervening remediation or renovation of the facility's energy footprint. In accordance with one embodiment, multiple-variable inputs are modeled using arithmetic regression and steepest-descent convergence arithmetic solutions based in large part on building-science (construction) data versus outside average temperature (t) that simplifies the modeling and measurements. Additionality is thus addressed along with a system and method that is more accurate, more repeatable, more reliable, and thus more credible and more readily monetized.

Multi-step statistical modeling in one embodiment of the present disclosure enables anomaly detection, forecasting and / or root cause analysis of the energy consumption for a portfolio of buildings using multi-step statistical modeling. In one aspect, energy consumption data associated with a building, building characteristic data associated with the building, building operation and activities data associated with the building, and weather data are used to generate a variable based degree model. A base load factor, a heating coefficient and a cooling coefficient associated with the building and an error term are determined from the variable based degree model and used to generate a plurality of multivariate regression models. A time series model is generated for the error term to model seasonal factors which reflect monthly dependence on energy use and an auto-regressive integrated moving average model (ARIMA) which reflects temporal dependent patterns of the energy use.

System and method include precisely modeling of a facility's energy usage over time based on historic data, and precisely predicting or measuring its actual, reduced energy usage over time after a redesign, retrofit, or renovation, or other positive change to the facility. The energy cost savings, whether over a time point of view (POV) of predicted, real-time, or historic, are creditable to the intervening remediation or renovation of the facility's energy footprint. In accordance with one embodiment, multiple-variable inputs are modeled using arithmetic regression and steepest-descent convergence arithmetic solutions based in large part on building-science (construction) data versus outside average temperature (t) that simplifies the modeling and measurements. Additionality is thus addressed along with a system and method that is more accurate, more repeatable, more reliable, and thus more credible and more readily monetized.

Security techniques for device assisted services are provided. In some embodiments, secure service measurement and / or control execution partition is provided. In some embodiments, implementing a service profile executed at least in part in a secure execution environment of a processor of a communications device for assisting control of the communications device use of a service on a wireless network, in which the service profile includes a plurality of service policy settings, and wherein the service profile is associated with a service plan that provides for access to the service on the wireless network; monitoring use of the service based on the service profile; and verifying the use of the service based on the monitored use of the service.

A method for accepting payments from a consumer for a travel ticket from a travel company comprises receiving at a point of sale device a transaction request that includes a transaction identifier that identifies a travel arrangement made with the travel company and a payment amount. The payment amount and the transaction identifier is transmitted to a host computer system for validation. Also, a validation from the host computer system is received indicating that the transaction requested has been validated. A payment is received from the consumer, and at least a portion of the payment is electronically transmitted to the travel company.

A computerized password verification system and associated method is disclosed for discreet recognition and reporting of a duress transaction being imposed upon a user at an ATM or other remote cash-dispensing terminal. The inventive system utilizes conventional ATM hardware including a card reader, keypad and display together with its associated operating and communications software required for transaction processing, and further comprises the programmed generation and display screen of a list of transaction acceptance passwords (TAPs) with a prompt to the user for a TAP selection to confirm the validity of the immediate transaction. The prompted display of the TAP list appears following the initial acceptance of the user's personal identification number (PIN) and requires the ATM user to select the TAP from the list that is currently registered to the user. While selection of the user's current TAP from the prompted list verifies the immediate transaction, the selection of any other TAP from the displayed list would constitute a “panic” TAP that triggers the generation of a silent alert signal to the authorities.