1653results about How to "Reduce eliminate" patented technology

Various techniques are provided for carrying out peer-to-peer financial transactions using one or more electronic devices. In one embodiment, a request for payment is transmitted from a first device to a second device using a near field communication (NFC) interface. In response to the request, the second device may transmit payment information to the first device. The first device may select a crediting account and, using a suitable communication protocol, may communicate the received payment information and selected crediting account to one or more external financial servers configured to process and determine whether the payment may be authorized. If the payment is authorized, a payment may be credited to the selected crediting account. In a further embodiment, a device may include a camera configured to obtain an image of a payment instrument. The device may further include an application to extract payment information from the acquired image.

A system is disposed at a location of a utility commodity subscriber for informing the subscriber of and controlling utility commodity usage. The system includes utility meters, an information and control apparatus, and a first and second data communication link. The meters measure usage and and generate usage signals. The information and control apparatus includes a microprocessor, a memory, a clock, and a user interface. The first data communication link is between the utility meters and the information and control apparatus and the second data communication link is between the information and control apparatus and one or more central locations. The second communication link also provides rate information to the information and control apparatus and utility commodity usage data to the central location. The microprocessor computes an accumulated cost of utility commodity for a predetermined period of time. Information related to the accumulated cost is output to the subscriber.

In one embodiment, a device for coupling communications signals onto a medium-voltage power line includes a first connector, a second connector and one or more components. The first connector is adapted to couple to a low-voltage communications line. The second connector is adapted to couple to a surge arrester. The one or more components are operable to substantially match the impedances between the surge arrester and the low-voltage communications line.

A point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to a payment system, either directly, or via a payment system directory and / or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer. The payment system directory is further configured to determine one or more payment processors to direct a payment authorization request, such that a single transaction may me allocated among multiple payment processors for authorization. Moreover, the payment system directory is able to format alternative payment methods into a format that is able to be processed over existing payment networks.

A system is disposed at a location of a utility commodity subscriber for informing the subscriber of utility commodity cost and usage and for controlling utility commodity usage. The system includes one or more utility meters, an information and control apparatus, a first data communication link, and a second data communication link. The one or more meters measure usage of one or more utility commodity and for generating one or more usage signals including a measurement of the subscriber's usage of the one or more utility commodities. The information and control apparatus includes a microprocessor, a memory, a clock, and a user interface, for inputting and outputting information. The first data communication link is between the one or more utility meters and the information and control apparatus and provides the one or more usage signals to said information and control apparatus for storage in the memory. The second data communication link is between the information and control apparatus and one or more central locations associated with the one or more utility commodity. The second communication link also provides rate information related to usage of the one or more utility commodity from the one or more central location to the information and control apparatus and provides utility commodity usage data from the information and control apparatus to the one or more central location. The microprocessor computes an accumulated cost of one or more utility commodity for a predetermined period of time according to the clock, the one or more usage signal, and the rate information. Information related to the accumulated cost is provided to the user interface for output to the subscriber.

A command portal enables a host system to send non-standard or “vendor-specific” storage subsystem commands to a storage subsystem using an operating system (OS) device driver that does not support or recognize such non-standard commands. The architecture thereby reduces or eliminates the need to develop custom device drivers that support the storage subsystem's non-standard commands. To execute non-standard commands using the command portal, the host system embeds the non-standard commands in blocks of write data, and writes these data blocks to the storage subsystem using standard write commands supported by standard OS device drivers. The storage subsystem extracts and executes the non-standard commands. The non-standard commands may alternatively be implied by the particular target addresses used. The host system may retrieve execution results of the non-standard commands using standard read commands. The host-side functionality of the command portal may be embodied in an API that is made available to application developers.

A point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to a payment system, either directly, or via a payment system directory and / or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer. The payment system directory is further configured to determine one or more payment processors to direct a payment authorization request, such that a single transaction may me allocated among multiple payment processors for authorization. Moreover, the payment system directory is able to format alternative payment methods into a format that is able to be processed over existing payment networks.

A method and system for integrating and managing information, documents, and compliance among financial professionals, financial professional clients, and financial professional supervisors. The method and system of the invention considers all information necessary for a financial professional to run their business and includes information relevant to the client and supervisor. This information includes full information management, electronic file management, compliance management, broker / dealer oversight, portfolio management, calendar management, and communications management. This information is presented to the financial professional, client, and supervisor in distinct yet integrated modules. Additionally, the method and system of the present invention offers tools for the financial professional, client, and supervisor that are relevant to their respective needs.

A non-volatile storage subsystem maintains, and makes available to a host system, monitor data reflective of a likelihood of a data error occurring. The monitor data may, for example, include usage statistics and / or sensor data. The storage subsystem transfers the monitor data to the host system over a signal interface that is separate from the signal interface used for standard storage operations. This interface may be implemented using otherwise unused pins / signal lines of a standard connector, such as a CompactFlash or SATA connector. Special hardware may be provided in the storage subsystem and host system for transferring the monitor data over these signal lines, so that the transfers occur with little or no need for host-software intervention. The disclosed design reduces or eliminates the need for host software that uses non-standard or “vendor-specific” commands to retrieve the monitor data.

The present invention provides an apparatus and method for moving playing cards from a first group of cards into a second group of cards, wherein the second group of cards is randomly arranged or shuffled. The apparatus comprises a card receiver for receiving the first group of cards, a single stack of card-receiving compartments generally adjacent to the card receiver, the stack generally vertically movable, an elevator for moving the stack, a card-moving mechanism between the card receiver and the stack for moving cards one at a time into a selected one of the compartments, another card moving mechanism for moving cards from one of the compartments to a second card receiver and a microprocessor that controls the card-moving mechanisms and the elevator. A count of cards within specified areas of the card handling system is maintained and card handling is halted and all cards counted by adding a count of all cards not within the specified areas to the total of cards counted within the specified areas.