Formica Technology, Inc.

First Data Corporation

Openmarket, Inc.

John J Mascavage

Donald J Albrinck

Cassandra J Mollett

Margaret Morgan Weichert

Chun Hsu

Timothy Horton

Gary J Trainor

Joe Lauer

Chad Maglaque

Blake Benton

Matthew T Byrne

Susan M Nelson

Rhonda D Sargent

Martin Stivers

Robert Hogan

Diane Wing

Steven L Vanfleet

Suzanne Rogers

Margaret Weichert

A system, method, and computer program product are provided for managing transaction billing across a plurality of billing sources utilizing an interface. In use, information associated with a transaction is received. Additionally, billing of the transaction is managed utilizing an interface accessible to a plurality of billing sources. Further, a billing response is returned, based on the management of the billing of the transaction.

System, method, and computer program for managing transaction billing across a plurality of billing sources utilizing an interface to configure advice-of-charge

A network arrangement is provided for processing credit transactions. A financial network is used to route communications securely between interfaces with the financial network. Merchant systems are coupled with the interfaces, with each merchant system transmitting requests for authorization of credit transactions through the financial network. An issuer system authorizes credit transactions in response to receipt of requests that specify at least a credit account to be used to support a particular credit transaction and a transaction amount for the particular credit transaction. A guarantor system separate from the issuer system determines whether to guarantee credit transactions in response to the requests and transmits responses indicating whether specific credit transactions are to be guaranteed through the financial network to the merchant systems.

Methods and systems for providing guaranteed merchant transactions

Process for the production of decorative laminates having improved scratch, mar, scrape and abrasion resistance comprising the initial step of preparing a mixture of a melamine-formaldehyde resin and an abrasion resistant material, wherein the mixture includes abrasion resistant alumina particles having a particle size of about 25 microns and abrasion resistant alumina particles having a particle size of about 3 microns at a ratio of about 2 to 1; about 0.25 percent silane; about 0.075 percent xanthan gum; and about 0.3 percent to about 1.2 percent polyvinyl alcohol or about 0.1 percent polyethylene glycol distearate having a molecular weight of about 6000, wherein all percentages are measured by weight of the total wet weight of the resin solution of the mixture. The process further includes the steps of simultaneously coating and impregnating a decorative paper sheet with the mixture such that a portion of the amount of melamine-formaldehyde resin required for saturation of the decorative sheet is impregnated therein; dipping the impregnated decorative sheet into an identically formulated mixture or a neat resin bath such that the remaining amount of resin required for saturation is impregnated therein; metering the total amount of melamine-formaldehyde resin impregnated into the decorative sheet; and then drying and consolidating the impregnated decorative sheet. The coating and impregnating step can be performed using either a sparge pipe applicator or a gravure pad coating cylinder.

Wear-resistant decorative laminates and methods of producing same

Wear-resistant high pressure decorative laminates having excellent scratch, mar, scrape and abrasion resistance and methods of producing the same.

Wear resistant decorative laminates comprising mineral particles and

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Cincinnati, OH, United States of America

John J Mascavage