42results about How to "Risk of loss" patented technology

A full-service turn-key in-application commerce solution with fraud detection is disclosed that provides web service interfaces to a commerce system. The in-application solution features fraud detection with user behavior tracking and fraud controls that limit the features that are offered to a user. Fraud detection involves input from the application, the commerce system, or third party systems. User fraud scores are updated frequently as events are processed. Controls are applied to the user account based on the user fraud score and risk classifications for ranges of fraud scores. An in-application solution also features a wallet with a personal threshold for microtransaction spending, limiting the amount that the user is allowed to spend before a wallet is cleared. The wallet is integrated with the fraud detection such that the personal threshold is determined from the user's latest fraud score.

A programmable electronic closure system has a lock for operation by a key when an identification code of the key and a corresponding code of the lock match. The closure system can be programmed to modify the code data in both the key and the lock using an input device.

A method of selling articles of manufacture which utilizes an electronic communication system to identify a plurality of articles of manufacture, from a plurality of manufacturing entities, which are available for purchase by said plurality of potential purchasers. The steps of the method include: Identifying pricing milestones in each of (1) a manufacturing phase and (2) a distribution phase, which correspond to an increase in commercial risk. Determining a separate price for each of said pricing milestones to establish a range of prices for said selected ones of said plurality of articles of manufacture, taking into account a change in said commercial risk as said pricing milestones are experienced. Making conditional offers for sale to potential purchasers at each of the pricing milestones, with the conditional offers specifying at least a minimum number of articles which must be ordered in aggregate before the conditional offer becomes binding upon a manufacturing entity. Communicating with potential purchasers and aggregating commercial commitments from potential purchasers for each pricing milestones and thereby selling articles of manufacture. Such that each pricing milestone corresponds to a period of availability in which costs of future supply chain activities or savings related to avoidance of future supply chain activities are reflected in an offer price. The method may also include the use of a trusted intermediary, which may use a virtual exchange.

A system and a computer program product calculates an insurance premium for environmentally hazardous substance insurance to compensate for damages in the case in which an environmentally hazardous substance is included, by accident, in a product of the insured party. The environmentally hazardous substance insurance system includes, as contracted party information relating to the insured party, at least information specifying the environmentally hazardous substance that is to be insured against, an input output process portion to input information relating to the results of analysis of the product of the contracted party; a contracted party information memory portion for at least temporarily recording the contracted party information and an insurance premium calculation portion to calculate the insurance premium based on the contracted party information stored in the contracted party information memory portion.

The invention relates to a legrest for a wheelchair, provided with a footrest and a calfrest. In a first, supporting position (ready for use), this footrest and calfrest are designed for supporting at least a part of a leg of a user seated during use in the wheelchair. The calfrest can be moved to a non-supporting, second position (ready for transfer), wherein the calfrest is located outside the space which is occupied by the legs of a wheelchair user upon sitting down in and/or rising from the wheelchair. The pivotal direction of the calfrest is then such that the path of travel between said first and second position is located substantially outside the space occupied by the legs of the wheelchair user in the first, supporting position.

An auxiliary container (10) adapted for unintrusive coupling with a conventional medication container (12), such as pill bottle, cream tube, or spray can, wherein the auxiliary container (10) provides an independent storage space (26) which does not require breaking a seal of, removing, or replacing an existing lid (70) or cap of the conventional container (12). In one contemplated use, for example, the auxiliary container (10) is used to store small doses of a supplementary medication (14), such as aspirin, in close association with a primary medication (e.g., a heart medicine such as nitroglycerine), such that both are conveniently available and accessible for immediate use. In a preferred first embodiment, the auxiliary container (10) broadly comprises a body (16); a lid (18); a closure mechanism (20); and a coupling mechanism (22).

A method is provided for handing off flows. The flow, having a flow identifier, is established between a terminal and a correspondent. The terminal has as many terminal identifiers as access interfaces to access networks of mutually different data technologies. A first execution entity converts a handoff execution order emanating from a decision entity into execution messages by taking into account a hierarchy of execution entities of a current network. After a handoff decision has been taken for a given pair of flow and terminal identifiers, the decision entity sends an execution order to the first execution entity. The first execution entity: selects a mobility protocol from the mobility protocols supported by the execution entities of the hierarchy associated with the current network; selects in the hierarchy at least one execution entity responsible for executing the mobility protocol; and sends to the selected execution entities respective execution messages.

The invention relates to a pulley device for tensioner or idler for a belt or a chain having a pulley, a bearing, a spacer supporting the bearing and including a through bore, a fastening screw extending in the bore, and an axial retention member for the screw, the axial retention member being fixed to the spacer and providing a retention member that cooperates with the screw.

Diary entries may be created and a digital signature be calculated and appended at many locations and, from such locations, transmitted as a diary record to an archive over the Internet or Web. To ensure that user 1 cannot modify or delete a diary entry, once it is sent to archive 3, user 1 and archive 3 enter into an agreement that archive 3 may store the submitted diary records for a fixed period of time, and that archive 3 may not allow anyone, including user 1, to modify or delete these records during this time interval.

An overall restoration system useful in removing moisture from structures is provided. The contemplated system includes a power and control device, a series of sensors, and a number of various different drying equipment, all capable of communication with a remote server. The system is highly portable, flexible and cost-efficient to manufacture and operate.

A method is presented for facilitating sales transactions by electronic media. A temporary barcode or other design is tattooed onto a tattoo sheet, previously organized by verifiable chronological date. The tattoo sheet is made with an adhesive sufficient to allow the tattoo, once printed, to be transferred onto the skin of a person or to a personal object and remain affixed to said person or personal object during the period of time for which a financial transaction might occur. The transferable temporary tattoo is then removed from the sheet and applied to the skin of the individual or to a personal object in their possession. Before the sales transaction can be consummated, the tattoo information along with the corresponding valid date information is scanned with a scanner. Characteristics about the scanned tattoo are compared to characteristics about other tattoos stored on a computer database for the specific time period in question in order to verify the identity of the buyer for a given time period. Additionally, the chronological information is verified to ensure that the transaction is occurring only during a previously prescribed valid time period for which a given tattoo is valid. Once both pieces of information are verified, the seller may be authorized to debit the buyer's bank electronic bank account in order to consummate the transaction or transactions during the given period of time. The seller's electronic bank account may be similarly updated.

A method includes a step of effecting a purchase of a first aircraft by a first plurality of fractional owners. Thereafter, a lease is granted by the first plurality of fractional owners to a first entity, the first entity operable to coordinate maintenance and operation of the first aircraft. The first entity is provided with a first fee payment in exchange for the coordination of maintenance and operation of the first aircraft. The method also includes determining a use allocation for each fractional owner in an amount based on a fraction of the first aircraft owned by the fractional owner, the use allocation comprising a measure of flight usage of one or more fractionally-owned aircraft including the first aircraft. The method further includes reducing the use allocation for more than one fractional owner after a single flight that includes at least one passenger associated with each of the more than one fractional owners.

A method and system for issuing a limit card to a card requestor for a self imposed cash amount to make a product or service purchase with the transaction being conducted solely the vendor and the financial card sponsor. The method includes a financial card sponsor or authorized dealer issuing a card to a card requestor who immediately or subsequently activates the card by depositing funds to the card at a card activating entity. The cardholder gives a monetary amount to a clerk or cash accepting device at any participating entity which then credits the card with the monetary amount less any service charge. The activating entity gives the cardholder a receipt bearing the date and amount when the card is purchase. The remainder of the deposit is electronically forwarded to the sponsor who deducts the commission and activates the cardholder's account. The cardholder submits the card to a vendor to purchase a product or service, and the vendor accesses the account and carries out the transaction solely with the sponsor. The sponsor transfers to the vendor to close the transaction, and the vendor delivers the product or service to the cardholder.

Method for manufacturing panels having a substrate and a decorative layer, including at least the step of attaching at least the decorative layer on the substrate by means of a press element, wherein the press element used comprises at least three components, namely, a heating plate, a press mat and a press plate, wherein one or more components of the press element are made such that for one or more edges of said press mat more space or room is provided than for a central portion thereof.

A control apparatus (80; 122) for a vehicle provided with a motor/generator (MG2; MG) functioning as a drive power source, and a step-variable transmission (20; 110) which constitutes a part of a power transmitting path between the drive power source and drive wheels (28; 116) and which is placed in a selected one of a plurality of speed positions with engagement of a selected one or ones of a plurality of coupling devices (CB). The control apparatus includes: a torque control portion (86) configured to control an output torque (Ti) of the drive power source (MG2) during a shifting action of the step-variable transmission (40; 110) from one of the speed positions to another of the speed positions, on the basis of a required vehicle drive torque (Tidem) corresponding to an operation amount (θacc) of an accelerator pedal, such that a value representing a state of a rotary motion of an input rotary member (30) of the step-variable transmission coincides with a target value; and a torque limiting portion (92) configured to limit the required vehicle drive torque to a predetermined lower limit value (Tif) in the process of a shift-up action of the step-variable transmission which is performed by placement of the accelerator pedal in an operated position.

An electric motor is provided which is designed to minimize a risk of corrosion or stress corrosion cracking of parts thereof and reduce mechanical vibration or noise. The electric motor includes an output shaft, a bearing which retains the output shaft, a frame, and a biasing member. The biasing member is made of austenite stainless steel and disposed between the bearing and a bottom wall of a bearing housing to elastically press the output shaft in a lengthwise direction thereof for eliminating mechanical noise arising from vibration of a rotor. The frame has a coating formed on an outer surface thereof for avoiding erosion thereof. The coating is not formed at least on a portion of the frame which faces the biasing member in order to induce sacrificial corrosion of the frame, which decelerates the corrosion of the biasing member to eliminate a risk of the stress corrosion cracking thereof.

Systems and Methods to Hedge the Risk of Loss Associated With the Imminent, Unpredictable and Uncontrollable Characteristics Inherent In Catastrophic Events is a technology that addresses the imminent, unpredictable and uncontrollable innate characteristics that are inherent in catastrophic events, those that occur in a very quick time, that which is unpredictable with a high degree of certainty, that which behaves in an unforeseeable way, and that of which is unmanageable, a means, in the time sensitive environment, for one, who desires the ability to obtain protection from the risk of loss to a geographic location, due to such innate characteristics that are inherent in catastrophic events, and another, who desires the ability to incur exposure to such risk of loss to a geographic location, due to the innate characteristics of catastrophic events; such technology, comprises, real-time, near real-time or most recently available data, observations, estimations, projections, calculations, analysis, imagery and measurements associated with the imminent, unpredictable and uncontrollable innate characteristics that are inherent in catastrophic events, the Planet Earth's oceans, weather and environment, and the weather and the activity of our Solar System, to market, evaluate, analyze, monitor, value, manage and obtain the desired risk of loss positions.

The invention relates to a transport wagon for receiving cargo, particularly made of agricultural harvest products, such as bales pressed from straw or silage. Such wagons comprise a loading platform, which extends beneath the cargo and is delimited by longitudinal and lateral side parts, wherein the transport chamber is accessible, particularly when the longitudinal side walls are opened. According to the invention, at least one of the longitudinal side walls is provided with a support device, by means of which the longitudinal side wall can be displaced from an open position close to the ground into a closed position, in which it captures at least one upper layer of the stacked cargo and secures it laterally.

Disclosed are an authentication device and method, and a computer program and a recording medium applied thereto. An authentication device according to the present invention comprises: a registration request unit for, when screen information displayed on a specific screen of a user device is changed by a user's input or changed by a factor other than the user's input, encrypting the changed screen information and requesting registration of the encrypted changed screen information as authentication information; an authentication confirmation unit for receiving an authentication confirmation request from a communication network connected with the user device; and an authentication performing unit for extracting the screen information displayed on the specific screen according to a determination on whether to grant authentication for the authentication confirmation request, encrypting the extracted screen information, and then transmitting the encrypted authentication screen information to the communication network as a response to the authentication confirmation request.

Methods are described herein for adjusting characteristics of signals used to verify or track the reliability of communication between a remote sensor and a managing device. For example, an exchange rate of signals sent between the remote sensor and managing device may be adjusted to minimize power consumption when the devices are determined to be reliably communicating. In some embodiments, apparatuses and methods herein may further be configured to inform an individual of when a remote sensor approaches a physical boundary, moves out of a communication range, is turned off, becomes damaged, or otherwise has or may become incapable of proper or reliable communication.