Other

Wells Fargo Bank, N.a.

Paul H Ku

Darrell Lee Suen

Kristine Ing Kushner

David J Dietrich

Bryan Kroll

Iris Duncan

David G Lamb

Irene Lau Ku

A method includes conserving, responsive to receiving an indication that at least one selectable object is selected, computing resources; receiving a request to set the verification settings for a computing system, the verification settings comprising a threshold transaction amount; determining an alias account number for the transaction account; receiving a transaction request, the transaction request indicating the alias account number and a transaction involving the transaction account; implementing a verification policy based on the verification settings, comprising: determining a predetermined threshold of a monetary amount; determining a first policy monetary amount; comparing the first policy monetary amount to the predetermined threshold; determining that the first policy monetary amount does not meet the predetermined threshold; implementing a sub-policy; and generating and transmitting an electronic message comprising a selectable hyperlink generated for the transaction request; and responsive to determining that the selectable hyperlink was navigated, approving the transaction request.

Systems and methods for improved verification of transactions

A method includes receiving a request to set verification settings for a payment aggregator computing system; determining an alias account number for a transaction account based on account information; transmitting a request to the payment aggregator computing system to store the alias account number instead of the account information; receiving a transaction request from the payment aggregator computing system; implementing a verification policy comprising a first sub-policy and a second sub-policy, based on the verification settings corresponding to the alias account number and a threshold transaction amount, including: determining a predetermined threshold of a monetary amount, determining a first sub-policy monetary amount, comparing the first sub-policy monetary amount to the predetermined threshold, determining that the first sub-policy monetary amount does not meet the predetermined threshold, implementing the second sub-policy, generating and transmitting an electronic message comprising a selectable hyperlink generated for the transaction request, and approving the transaction request.

A method for implementing transactions includes receiving, by a first computing system, a transaction request from a second computing system, the transaction request indicating a first account number that is an alias of a transaction account having a second account number, and specifying a transaction. The method further includes determining the second account number by referencing a data structure that associates the first account number and the second account number, determining a verification policy associated with the second account number, and transmitting a verification challenge based on the verification policy. The method yet further includes receiving a response to the verification challenge, determining to authorize the transaction request based on the response to the verification challenge, and implementing the transaction involving the transaction account specified by the transaction request.

In a preferred embodiment, designed for gas-efficient automobiles having low power alternators having insufficient power and utilizing a battery of insufficient voltage to operate both the automobile necessary circuitry and heater as to heat the automobile space within a satisfactory short time interval of a few minutes, a circuitry of conventional type but additionally including in series with a low voltage relay, another voltage relay switch which when energized turns on current to an electromagnetic relay normally open switch to close the switch to thereby connect a second battery positive terminal to the output terminal of the alternator for thereby recharging the second battery, and the normally open switch normally connecting the positive terminal of the second battery to a large supplemental heater when the normally open switch is in an open state, whereby when the regular low capacity battery is at low voltage the supplemental heater quickly heats the automobile space, and at elevated voltage the conventional heater takes-over while the alternator serves to recharge the second battery over a prolonged period of time.

Voltage disconnect and supplemental heater device

In a preferred embodiment, an umbrella has a reflective concave face serving a radiant energy collector when the umbrella is invertedly mounted, and a clamp clamps onto the umbrellas shaft a vessel containing water partially filling the same, the vessel being of narrow thickness and being supported at a point of converging reflected rays of energy, the vessel having upper steam space connected to a heating-vessel for heating typically a cup of coffee by heat-exchange with the coffee cup, and having a drain conduit for draining condensed steam back to the liquid-containing vessel, a steam conduit channeling steam through a liquid trap for removing water droplets carried by the steam, and the umbrella when upright serving as typically a beach umbrella which shifts with the wind by virtue of the shaft being off-set from the center.

Solar radiant energy umbrella

In a preferred embodiment, a battery embodying and driven vacuum cleaner having a battery-recharging unit, having a pivoted and pivotably-driven driven wheel indirectly driven by an electric motor powered by the battery, and having other free-wheeling support wheels supporting the vacuum cleaner structure, and a vacuum cleaner vacuum motor driven by the electric motor, and a timer unit for setting the time of beginning and ending period of vacuuming, adapted to move randomly across a carpet and to change direction of movement whenever an obstacle is encountered.

Automatic vacuum cleaner

In a preferred embodiment, a thermostatically-controlled variable air-circulation mechanism and a thermostatically-controlled coolant-pump circulatable of coolant from a coolant vessel to the fan-containing cooling-coils air-space enclosure cyclically, and a coolant vessel-thermostat and freezing coils connected with an electrical freezer mechanism, are powered by dual batteries in electrical parallel when in use, and the freezer mechanism by solely one thereof when ignition is off for an automobile by virtue of solenoid switch, the fans being run in electrical series at predetermined lower temperatures and in parallel at predetermined higher temperatures by virtue of circuitry and thermostatically-controlled other solenoid switches, maximum ice-production being controlled thermostatically.

Instant-cooling ice-maker air conditioner

Apparatus for cooling vehicles which includes a cylindrical housing having a side wall opening and an open top, a conduit and pump connected to the bottom of said circular housing for pumping liquid from said housing to at least one heat exchanger, a heat exchanger located in the passenger compartment of the vehicle, a spray head in the open top of said housing and conduit means for feeding fluid from the heat exchanger to the spray head, the liquid discharged through said spray head being cooled, by evaporation, by air flowing through said housing, said cooled liquid, when pumped through said heat exchanger, cooling the passenger compartment of the vehicle.

Cooling apparatus for automobile passenger compartment

In a preferred embodiment, a mateable upper and lower vessel having upper and lower compartments substantially isolated from one-another, of insulation light-weight material self-supporting, containable of water and ice in the lower compartment and having mounted fans adjacent upper ports of the upper compartment and therebeneath water-circulation conduits and heat-transfer fins with a connected pump mounted also within the upper compartment and circulatable of water from the lower compartment through the water-circulation conduits and heat-transfer fins which are located above air intake ports at a lower location within side walls of the upper compartment structure, with separate variable controls of speed for the separate fans, and with thermostat and manual activation switches in parallel with one-another both in electrical series with a variable speed control of the motor of the pump.

Growing community of inventors

Woodside, NY, United States of America

Paul H Ku