Patent application number | Description | Published |
20080255598 | Lancing Device With Replaceable Multi-Lancet Carousel - A housing having an actuator mechanism and a replaceable carousel having a series of lancets. The carousel is removably received in the housing and the actuator mechanism is operable to actuate the individual lancets. In exemplary embodiments the lancing device has, amongst other features, key and detent mechanisms for orienting and securing the carousel in the housing, tangentially configured lancets for compactness, actuator alignment features for aligning the actuator with the lancets, charging mechanisms for ease in charging the lancets for launching, and shutter mechanisms for retaining the lancets in the housing after launching. Also included is a method for lancing using a lancing device according to the invention. | 10-16-2008 |
20090105741 | LANCING DEVICE WITH FLOATING LANCET - A lancing device including a drive mechanism with a drive spring and a lancet carrier engaged and driven by the drive spring, and further including a lancet with a sharp lancing tip, wherein the lancet floats relative to the carrier and is decoupled from the drive mechanism during at least a portion of a lancing stroke. In one example embodiment the lancet is held in a sled that floats in the carrier, and in another example embodiment the lancet by itself floats in the carrier. | 04-23-2009 |
20100130997 | Blood sampling device - A lancing device for sampling blood or other body fluid of a subject includes a reusable housing and a disposable cassette. The cassette contains a plurality of lancets held in a storage plane. An active lancet is moved transversely from the storage plane into a firing plane, into engagement with a drive mechanism for actuation to lance the subject's skin. After actuation, the used lancet is returned to the storage plane. Each lancet includes a protective endcap that is removed from the lancet just prior to use and then is replaced onto the lancet after use. | 05-27-2010 |
Patent application number | Description | Published |
20080281919 | System and Method for Sharing Images - In one embodiment, a system and a method for sharing images relate to receiving images transmitted via the Internet and intended for viewing by a particular intended recipient, automatically storing the images in association with the intended recipient, detecting physical proximity of the intended recipient to a display device, and responsive to the detecting, displaying the images on the display device for the intended recipient. | 11-13-2008 |
20080299895 | Systems and Methods for Providing Information to Exhibition Visitors - In one embodiment, a system and a method for providing information to exhibition visitors pertain to a visitor of an exhibition transmitting with a mobile device a code associated with the exhibition, a server computer receiving the code from the mobile device and identifying a link to downloadable content associated with the code, the server computer sending the link to the mobile device, the visitor selecting the link on the mobile device, and the mobile device downloading content relevant to the exhibition and displaying it to the user. | 12-04-2008 |
20080300985 | System and Method for Providing Media Content to Physically Proximate Mobile Devices - In one embodiment, a system and a method pertain to displaying an advertisement, determining media content related to the advertisement to send to a physically proximate mobile device, wirelessly connecting to the physically proximate mobile device, wirelessly transmitting the determined media content to the physically proximate mobile device using a short-range wireless communication protocol. | 12-04-2008 |
Patent application number | Description | Published |
20080301015 | Visual Cues for Identifying Financial Accounts - Visual cues for identifying financial accounts. A distinctive visual cue, such as a specific color, is applied to an account from among a plurality of accounts, such as associated joint and individual checking accounts. The designation can be applied to statements, and optionally also checks, check/ATM cards, and other materials can be identified at a glance. Additionally confidential flag can be applied to an account as part of the designation, to provide extra notice to both personnel and various systems that an individual account is confidential within the associated accounts. A system for assigning distinctive visual cues to accounts can include a customer or account information database for storing plurality of possible distinctive visual cues, and one or more fulfillment subsystems for providing bank statements, checks, deposit slips, check cards, and the like. | 12-04-2008 |
20100217706 | BILL PAYMENT MANAGEMENT - Methods, systems, and/or computer program products for bill payment management includes determining a periodic payment amount for a customer based on at least one bill of the customer. The periodic payments are periodically charged to the customer by an entity and the entity pays the bill(s) from an account. | 08-26-2010 |
20110246355 | OVER LIMIT PROTECTION - In general terms, embodiments of the present invention relate to methods and apparatuses for providing over limit protection and/or for determining authorization decisions for over limit transactions. For example, some embodiments of the present invention are configured to: (a) receive a request to authorize a transaction involving a credit account, (b) determine that the credit account will incur an overage as a result of the transaction, and (c) authorize the transaction based at least partially on a determination that the credit account has over limit protection through a source account. As another example, other embodiments of the present invention are additionally or alternatively configured to: (a) determine that a credit account has incurred, or will incur, an overage as a result of a transaction, and (b) transfer funds from a source account to the credit account in an amount sufficient to offset the overage. | 10-06-2011 |
Patent application number | Description | Published |
20110131122 | BEHAVIORAL BASELINE SCORING AND RISK SCORING - Embodiments of the present invention relate to systems, apparatus, methods and computer program products for integrated risk management. More specifically, embodiments of the present invention provides for determining one or more behavioral baseline scores, each score associated with one or more behaviors and based at least in part on financial institution data from multiple financial institutions. The behavioral baseline score defines a normal risk or baseline behavior for a customer, a customer segment or customer population. Further, the invention provides for monitoring at least the financial institution data to determine deviations from the behavioral baseline score(s) and generating and initiating communication of risk score alerts and/or behavioral baseline deviation alerts based on predetermined behavioral baseline deviations. Additional embodiments provide for determining a risk score based on risk patterns associated with financial institution data and, in some embodiments, non-financial institution data. | 06-02-2011 |
20110131123 | COMPREHENSIVE SUSPICIOUS ACTIVITY MONITORING AND ALERT SYSTEM - Embodiments of the present invention relate to systems, apparatus, methods and computer program products for integrated risk management. More specifically, embodiments of the present invention provide for monitoring financial institution data from a plurality of financial institutions, including transactional data associated with multiple products and channels, to identify suspicious activity potentially associated with identity theft incidents and, in specific embodiments, communicate suspicious activity and/or identity theft alerts and/or reports in response to identifying the suspicious activities and/or confirming an identity theft incident associated with the suspicious activity. In further embodiments, the monitored financial institution may include one or more, and in some embodiments all of, account data, asset data, liability data, negative file data, customer data, device data, credit data, or biometric data. In addition, in certain embodiments, the monitored data may include non-financial institution data. | 06-02-2011 |
20110131130 | INTEGRATED RISK ASSESSMENT AND MANAGEMENT SYSTEM - Embodiments of the present invention relate to systems, apparatus, methods and computer program products for integrated risk assessment and management. More specifically, embodiments of the present invention provide for a risk database that collects and/or receives transaction data. In other embodiments of the present invention, the risk database collects and/or receives asset data and liability data associated with multiple financial institutions. The data is accessed to monitor customers' risk and one or more risk management actions are initiated based on the monitored customer risk. | 06-02-2011 |
20110131131 | RISK PATTERN DETERMINATION AND ASSOCIATED RISK PATTERN ALERTS - Embodiments of the present invention relate to systems, apparatus, methods and computer program products for integrated risk assessment and mitigation. More specifically, embodiments of the present invention provide for determining risk patterns and, in particular embodiments, emerging risk patterns associated with emerging risk, based on a combination of, or in some embodiments all, financial institution data from multiple financial institutions, data aggregator data, non-financial institution data, negative activity data and/or risk deviation data. As a result of the determination of risk patterns, risk pattern alerts may be communicated to designated recipients for the purpose of managing the risk. In additional embodiments, a health risk indicator is determined that indicates the current condition of risk for a customer, a company, an industry or industry segment. | 06-02-2011 |
20120109802 | VERIFYING IDENTITY THROUGH USE OF AN INTEGRATED RISK ASSESSMENT AND MANAGEMENT SYSTEM - Embodiments of the present invention relate to systems, apparatus, methods and computer program products for integrated risk management. More specifically, embodiments of the present invention provide for identity verification based, at least in part, on comparing transaction data received from multiple financial institutions to data associated with a current financial transactions, such as type of transaction, transaction amount or the like. The transaction data provides for basing identity verification on how a customer, a counterparty or both previously transacted, in that transaction patterns can be identified to understanding who the transacting customer or counterparty is. In additional embodiments the identity verification may be based, at least in part on other data, such as financial institution relationship data, non-financial institution transaction and/or relationship data, customer/counterparty data or the like. | 05-03-2012 |
20130226805 | PROTECTION FOR EXCEEDING A CREDIT THRESHOLD - In general terms, embodiments of the present invention relate to methods and apparatuses for providing protection for exceeding a credit threshold. In embodiments of the present invention are configured to: (a) receive a request to authorize a transaction involving a credit account, (b) determine that the credit account will exceed the credit threshold as a result of the transaction, and (c) authorize the transaction based at least partially on a determination that the credit account has protection through a source account for exceeding the credit threshold. As another example, other embodiments of the present invention are additionally and/or alternatively configured to: (a) determine that a credit account has exceeded, or will exceed the credit threshold as a result of a transaction, and (b) transfer funds from a source account to the credit account in an amount sufficient to offset the amount which exceeds the credit threshold. | 08-29-2013 |
20150066772 | INTEGRATED RISK ASSESSMENT AND MANAGEMENT SYSTEM - Embodiments of the present invention relate to systems, apparatus, methods and computer program products for integrated risk assessment and management. More specifically, embodiments of the present invention provide for a risk database that collects and/or receives transaction data. In other embodiments of the present invention, the risk database collects and/or receives asset data and liability data associated with multiple financial institutions. The data is accessed to monitor customers' risk and one or more risk management actions are initiated based on the monitored customer risk. | 03-05-2015 |