85results about How to "Reduce financial risk" patented technology

A conventional looking payment card comprises a plastic card with a legacy card reader compatible magnetic stripe for dynamic user account data. Internal to the plastic card, and behind the magnetic stripe, a number of fixed-position magnetic write heads allow the user account data to be modified autonomously. Electronics within the card are pre-loaded with many unique numbers that are selected for one-time use in financial transactions. A payment processing center keeps track of the unique numbers used, and knows which numbers to expect in future transactions. It will not authorize transaction requests if the unique number read during a magnetic card swipe is not as expected. A card-swipe detector embedded in the plastic card detects each use in a scanner, so changes can be made to the data bits sent to the write heads.

A payment card comprises a plastic card with a magnetic stripe for user account data. Internal to the plastic card, and behind the magnetic stripe, a number of fixed-position magnetic write heads allow the user account data to be automatically modified. For example, a data field that counts the number of times the card has been scanned is incremented. A payment processing center keeps track of this usage-counter data field, and will not authorize transaction requests that come out of sequence. For example, as can occur from a magnetic clone of a card that has been skimmed and tried later. A card-swipe detector embedded in the plastic card detects each use in a scanner, and it signals an internal microcomputer which changes data bits sent to the write heads. Once scanned, the payment card can also disable any reading of the user account data for a short fixed period of time.

Methods are provided for collecting fees for managing and optimizing the profitability of a plurality of physicians in a healthcare practice participating in an insurance network. The methods include establishing a relationship between a healthcare consultation group and the healthcare practice participating in the insurance network to increase the physician's profitability by reducing a risk of not receiving a predetermined reimbursement amount for ancillary medical costs from the insurance network. The methods also include distributing predetermined percentages of savings attributed to the physicians' modified ancillary medical cost management behavior.

Devices and methods for enhancing electrical safety are provided herein. Devices testing the safety of light fixtures are provided. Also provided are a variety of testing tools for improving electrical safety. The devices are generally capable of wirelessly communicating with a computer, particularly a hand-held device such as a smart-phone or tablet. Methods for using the devices are also provided.

Devices and methods for enhancing electrical safety are provided herein. Devices testing the safety of light fixtures are provided. Also provided are a variety of testing tools for improving electrical safety. The devices are generally capable of wirelessly communicating with a computer, particularly a hand-held device such as a smart-phone or tablet. Methods for using the devices are also provided.

A mobile station and methods are disclosed for diagnosing and modeling site specific effluent treatment facility requirements to arrive at a treatment regimen and / or proposed commercial plant model idealized for the particular water / site requirements. The station includes a mobile platform having power intake, effluent intake and fluid outflow facilities and first and second suites of selectably actuatable effluent pre-treatment apparatus. An effluent polishing treatment array is housed at the station and includes at least one of nanofiltration, reverse osmosis and ion-exchange stages. A suite of selectively actuatable post-treatment apparatus is housed at the station. Controls are connected at the station for process control, monitoring and data accumulation. A plurality of improved water treatment technologies is also disclosed. The modeling methods include steps for analyzing raw effluent to be treated, providing a field of raw effluent condition entry values and a field of treated effluent condition goals entry values, and utilizing said fields to determine an initial treatment model including a selection of, and use parameters for, treatment technologies from the plurality of down-scaled treatment technologies at the facility, the model dynamically and continuously modifiable during treatment modeling.