Other

Huntington Bancshares Incorporated

Hewlett-packard Company

Verifone Gmbh

David L James

William M Randle

Terry L Geer

Ruth Rosenberg

Robert W Murphy

Tuong T Tran

Dennis Roman

Jodie M Fredelake

Richard Ercole

Rick Bartlett

Paul Lampru

Fabio Fontana

Magnetic flag holder

An infrastructure for a real time bank-centric universal payment system ( ) in which a central processing system (CPU) defines an electronic commerce trust system ( ) formed from a plurality of financial service provider members ( ) subscribing to a common standard having applicability throught the infrastructure. The central processing unit is operatively interconnected to the correspondent processing units of financial service provider members ( ) that in turn are operatively interconnected through access mechanisms to a network of customers ( ) and goods and services providers ( ) who are account subscribers with the financial service provider member ( ) and subject to the common standard of the system. The CPU provides non-revocable real time debit and credit transactions and effects net settlement between and among members through a central exchange monetary system. Features of the infrastructure include ECTS hot file, bill presentment and payment options and provider designed services that enhance brand identity.

Real time bank-centric universal payment system

An infrastructure for a real time bank-centric universal payment system in which a central processing unit (CPU) defines an electronic commerce trust system formed from a plurality of financial service provider members subscribing to a common standard having applicability throughout the infrastructure. The central processing unit is operatively interconnected to the correspondent processing units of financial service provider members that in turn are operatively interconnected through access mechanisms to a network of customers and goods and services providers who are account subscribers with the financial service provider member and subject to the common standard of the system. The CPU provides non-revocable real time debit and credit transactions and effects provider net settlement between and among members through a central exchange monetary system. Features of the infrastructure include an ECTS hot file, bill presentment and payment options and provider designed services that enhance brand identity.

An apparatus, system and process for effecting one or more of the reception, transmission, translation and storage of data files containing information relating to financial instruments among and between multiple institutions wherein a data file in a first file format is received from an originating institution, the file is translated into a second data file format selected by an institution that is to receive the information, the information is stored in memory which is uniquely accessible to the receiving institution and transmitted to the receiving institution. Information derived from the financial instrument information contained in the second data file format may be transmitted to a settlement mechanism. The transmission to the receiving institution and to a settlement mechanism may occur on demand, based on instructions by the originating institution and within a prearranged time period.

Electronic payment interchange concentrator

A sound deflector for attachment to a user's headset earphones is disclosed comprising means situated intermediate the headset earphone and a user's ear canal, said means comprising a hollow cylinder adapted to be operably connected to the headset earphone speaker case and thereby confine the sound from the speaker interiorly to the cylinder, and a cone spatially located proximate the opening of the hollow cylinder and aligned between the earphone speaker and the user's ear canal, a plurality of openings interposed the hollow cylinder wall and the sides of the spatially located cone, said cone adapted to reflect sound waves from the earphone speaker directed towards the user's ear canal and the openings pass sound waves directed away from the user's ear canal and into the folds of skin of the outer ear to be reflected then into the ear canal for hearing by the user.

Sound deflector for headset ear phones

A protective liner for a tire having a tread portion and housing an inflatable tube, the liner having an elongated panel of puncture resistant material adapted to be extended circumferentially about the tube within the tire; and a pair of ridges borne by the panel extending in spaced, substantially parallel relation along the panel for embedded engagement with the interior of the tire to maintain selected alignment between the tread portion thereof and the panel.

Protective liner for tires resistant to displacement during use

Growing community of inventors

Dublin, OH, United States of America

David L James