text:
Nunn Media absorbs akamedia clients and staff as agencies merge
September 19, 2014 9:03
by Miranda Ward
Akamedia clients and staff are transitioning into the Nunn Media Sydney business as the two businesses join together under the Nunn Media name.
Nunn Media Sydney staff have moved into akamedia's offices in North Sydney, with the office set to be re-branded as Nunn Media.
Andrew Kluver, owner and managing director of akamedia, said: "Transitioning our clients to Nunn Media will allow us to provide greater expertise and value to them in the future. Both businesses have very similar cultures and trading philosophies and both are completely independently owned. This arrangement is a perfect fit for our clients.
"All of akamedia clients have been informed of the transition. The most important aspect of this deal is ensuring optimum value delivery to our clients, and the response from them has been overwhelmingly positive."
The merger follows Nunn Media Sydney making its first hire, picking up David Spasovic who previously headed all digital media spending for retailer Harvey Norman in August.
A press release announcing the merger said it would see the size of the business grow to more than $150m of billings under management.
Nunn Media managing director Chris Walton said: "Andrew and I have known each other for several years and share many points of view about how best to work with clients. The more we spoke about how we could work together in the future the more this transition made sense."
Akamedia clients include Greater Building Society, Vitaco, Roche Diagnostics, Causeforce, Ermenegildo Zegna and CNH Industrial while Nunn Media clients include Godfreys, Fantastic Furniture, Rockmans and Specsavers.
Miranda Ward
Miranda Ward worked for Mumbrella from 2013 to 2017, eventually becoming deputy editor. Miranda joined Mumbrella in September 2013 from Sky News.
topics ClientsmergerNunn Mediastafftransition


Check out Gouki.com booth babe of the year 2009 in a new video from a game I'm just learning about. Combat Arms.
I've never heard of Nexon and I've heard only a few things about Combat Arms. At first I thought we were talking about Small Arms, that XBLA game from a few years ago. Needless to say, I was confused. Well thanks to Joanne Paguio, Gouki.com booth babe of the year 2009. I now know who Nexon is and that Combat Arms is a PC FPS. I only know because Joanne is in this video, so check her out at 4:20 in the women's bathroom. lol.
You can learn more about Nexon and what Combat Arms is on their official website.


If you think it is time to look younger and more refreshed, call our office in Morristown New Jersey today.
Excess skin and baggy eyes will detract from your appearance. Dr. Rafizadeh has special expertise in eyelid surgery.


Join our team! Be part of a dynamic, not-for-profit organization committed to cultivating opportunities for at-risk youth and vulnerable adults to achieve independence through integration into communities of support. Employment with Anago enables you to contribute to a community where individuals have meaningful connections and are inspired to realize their potential as active participants.
The successful candidate will serve as a support to young persons in a open detention/custody with rehabilitation and reintegration. Relief Direct Care Workers may be assigned to any or all of the duties, based on the shift assignment. The facility operates 24/7; the role involves shift work, including evenings, overnights, weekends and public holidays.
We thank all applicants, however, only those selected for an interview will be contacted. No phone calls please. Anago is an equal opportunity employer and encourages applications from all qualified candidates. If you require accommodation at any stage of the application process, please email employment@anago.on.ca.


text:
function announceDropItem(sender, recipient, obj) {
  if (sender === recipient) {
    return `You drop the ${obj.name}.`;
  }
  return `${sender.name} drops some ${obj.name}.`;
}

redpajama_set_name: RedPajamaGithub


Spanish star Jon Rahm has revealed how RAPPING helped him master English.
Speaking ahead of this week's US Open, where he is one of the favourites to land the year's second major at Erin Hills, the 22-year-old said that he realised he needed to get a better command of the language when he moved from the Basque Country in his homeland to attend Arizona State University.
Things took a turn for the better after one of his fellow players on the ASU Sun Devils golf team introduced him to rap.
"Memorising those lyrics helped out with enunciation and pronunciation," he added. "Having to be able to say those words at a fast pace helped me out a lot. I'm not kidding.
Quiz - Can you name the last 40 US Open champions?
After a blistering start to his professional career, which included a maiden PGA Tour win at the Farmers Insurance Open in January, the world No.10 is going off as low as 18/1 to win this week's US Open – a year on from being the low amateur at Oakmont.
Rahm gets his title tilt underway on Thursday at 2.51pm (UK) alongside Rickie Fowler and Hideki Matsuyama.


text:
Hyperkapni eller hypercapnia innebär att koncentrationen av löst koldioxid (CO2) i blodet är för hög. Tillståndet definieras genom att partialtrycket (PaCO2) överstiger 45 mm Hg. Orsaken kan vara hypoventilation eller lungsjukdom.

Källor

Klinisk kemi

redpajama_set_name: RedPajamaWikipedia


Being the best at anything isn't hard. It just takes practice.
I became the #1 work-at-home guru on Freelancer.com (which has over 15 million active users) earning 6 figures annually.
because I simply got lucky.
Want to know how I came up from the bottom, and wound up at the top?
And so will your subscribers, when you mail my amazing offer to them!
This is an exposé where I hold back nothing, and reveal everything I know about making $96,000 in 12 months.
… Your subscribers will be able to "get inside the mind" of a professional who has been through thick and thin.
This is a one-of-a-kind product because no one else in the world is #1 at freelancing.
That's why your lists will love these video interviews and PDF training.
These no-brainer OTOs are going to convert very well, thus ensuring a high average price paid by every lead.
These OTOs will make perfect sense for buyers who already signed up for the FE.
If they say "No" to OTO #1, they will immediately be taken to OTO #2. These OTOs are completely optional.
But because of the total value that your subscribers will be getting, they're going to be signing up in droves.
This urgency-oriented funnel will offer your subscribers everything they need to become prolific freelancers.
You can earn up to $89 per visitor who clicks your affiliate link! Plus, we provide excellent support, the kind you can expect from a leading freelancer with a close to 100% satisfaction rating.
For maximum EPCs, set your autoresponders for 10:55am (five minutes before the launch) on June 15, 2015.
sales, but you may not win first to 200 sales and first to 300 sales.
host the webinar. Please do not ask us to host one unless you're able to deliver a sizable audience.
Want to see a sample webinar? Click here to register for my webinar which will be conducted for my subscribers.


and Big Head Todd and the Monsters.
Thank you to all of the BHTM Fans who joined us on our 2018 Caribbean adventure!
We return to some of the most beautiful anchorages in the Caribbean as we cruise through the British Virgin Islands. Over 50 islands and cays provide for the best watersports, beachcombing, and island style relaxation. Add visits to Anguilla and St. Barts and it will be a tough sail to beat.
Rates begin at $1,699 per person plus port taxes, fees, and pre-paid gratuities. This includes your cruise fare, dining, Exclusive Performances from Big Head Todd and the Monsters and more.
The Star Flyer- sleek lines reminiscent of the swift clipper ships of the past provide a true sailing experience. Her modest size allows us to visit the smaller anchorages alongside private yachts and away from the hustle and bustle of large ports. Complimentary onboard watersports included.
Go to the Registration Page for full registration details.
Throughout the week the band will be sharing their friendship and music with fans on this adventure through the Caribbean. Anyone who has sailed on one of the past BHTM cruises will tell you the performances were some of the most up-close, personal, and unique they have experienced.
Visit the Cruise Gallery for images of the Star Flyer, Stateroom Diagrams, Activities, Destinations, and past BHTM Cruises.


Contains 8 square receiver holes on one side and 4 square receive holes on the other side, to allow nesting on an EverBlock building block on one side and on HALF an EverBlock on the other side. Two units combine to create a 72" shelving unit with 3 block columns. One 36" Shelf has 27" of open shelf space when nested.
Two units can combine to create a 72" shelving unit with 3 block columns, leaving 54" of open shelf space.


Lincoln Argos and EE store is a store forming a part of Argos brand. It is open on: Monday 09:00-18:00, Tuesday 09:00-18:00, Wednesday 09:00-18:00, Thursday 09:00-18:00, Friday 09:00-18:00. At weekends its opening hours are: on Saturday 09:00-18:00, on Sunday 10:30-16:30. This store's address is: 151 High Street, Lincoln, Lincolnshire, LN5 7AA. In order to reach the customer service directly please call the number 0345 1657469. Lincoln Argos and EE store is attended by many people living in nearby towns like Waddon, Waddington.


Here is a list of example items that our current students have brought with them into University accommodation.
Items to make it homely.
Weekly opening hours are displayed on our office door and social media channels.
Do I need to pay for a TV licence?


Kurayami Matsuri is one of Tokyo's most popular festivals and one with a rich and long history with roots that extend as far back as the 11th century. The draw today is the fact that the festival's main events take place in the dark (as you might have guessed from the name). This is because long ago it was believed that sacred things should not be seen with the naked eye. Today the festival attracts over 700,000 visitors over the course of the week and in 2010 it was designated a Folk Cultural Treasure. The main events take place over the 3-6 May but rituals to prepare for the event take place from 30 April. The schedule of events is below.
From 1pm the priests and those who will participate in the festival cleanse themselves water from the Shinagawa River near Ebara Shrine (in Shinagawa Ward) and take this water back to Okunitama Shrine to be used during the festival (a long-standing tradition for the festival).
Prayers for dry weather and safety during the festival from 9:30am.
From 7:30-8:00pm the 8 mirrors that are used on the portable shrines (mikoshi) are cleansed with salt because it is believed that the mirror reflects not only your physical self, but the spirit within, and so by cleansing the mirrors you are also cleansing those that will carry the mikoshi.
Between 6pm and 8pm eight floats parade along the street. This is followed by a horse procession called komakurabe in Japanese, whereby the speed, prowess, and obedience of the horse is displayed. Six horses make 3 round trips up the 150 meter stretch of road.
The first full day of the festival. Processions take place from 9am and the day culminates in a parade of 24 lantern-laden floats between 6pm and 9pm.
Events start in the morning but the main event of the day—and indeed the festival—when six portable shrines are carried through the streets from 6pm. These mikoshi return to the shrine at 4am the following morning.


text:
Семюель Ротшильд (, 16 жовтня 1899, Садбері — 15 квітня 1987, Садбері) — канадський хокеїст, що грав на позиції крайнього нападника.

Володар Кубка Стенлі.

Ігрова кар'єра
Хокейну кар'єру розпочав 1924 року виступами за команду «Монреаль Марунс» в НХЛ.

Протягом професійної клубної ігрової кар'єри, що тривала 5 років, захищав кольори команд «Монреаль Марунс», «Піттсбург Пайретс» та «Нью-Йорк Амеріканс».

Загалом провів 104 матчі в НХЛ, включаючи 2 гри плей-оф Кубка Стенлі.

У 1926 році, граючи за команду «Монреаль Марунс», став володарем Кубка Стенлі.

Статистика

Посилання

канадські хокеїсти
Володарі Кубка Стенлі
Хокеїсти «Монреаль Марунс»
Хокеїсти «Піттсбург Пайретс»
Хокеїсти «Нью-Йорк Амеріканс»
Уродженці Садбері
Померли в Садбері


text:
The Love of Wicked Men (Episode One)
The Love of Wicked Men
Brandon Shire
THIS IS SERIALIZED FICTION (6 Episodes)
Sid Rivers and Jack Brown are two sides of the same coin. One is a lawyer with his own firm and dreams of money and power; the other is a criminal with a lengthy record and a quest for vengeance. When they meet, sparks fly. But was their meeting an accident? Or was it planned by the billionaires who want to control their destiny?
The Love of Wicked Men is an erotic journey into the underbelly of the legal profession, the corporate culture of profit-at-any-cost, and the secret world of industrial espionage.
Sid Rivers has been very successful at helping his smaller corporate clients silence their critics and retain their profits. His success has caught the attention of a trillion dollar industry, and now Sid thinks he is about to realize a dream he's held since childhood –unlimited wealth and unlimited power.
Jack Brown stops in and robs the local Shop-n-Go and nicks Sid with his knife. He sets into motion a plan of revenge that has been smoldering within him for years. But his plan requires he get close to the same man who has become the representative of his enemies.
More Books by Brandon Shire
To See About A Guy
Erotic Shorts: Gay for Pay - Unexpected Muscle
The Love of Wicked Men (Season Two): Episode One
Erotic Shorts: Sinful Confessions
The Love of Wicked Men (Episode Two)
The Love of Wicked Men (Episode Four)

redpajama_set_name: RedPajamaCommonCrawl


Here at Tailored Entertainment, we are proud to represent the very best party bands London has to offer.
All of our acts are hand picked by us. All of them are exclusively represented by us. Our decades of collective experience in the music industry allows us to know a truly great party band when we see one.
We guarantee that the acts you will find listed below are the very best in the capital. Of that you can be absolutely certain.
Whether you're searching for a fantastic London roaming band for your corporate summer party, or an awesome DJ to pack the dance floor for your office Christmas party entertainment - we're certain you'll find the perfect act right here.
Once you've made your choice, give us a call on 0800 564 2240 to chat to our friendly team of experts, and find out how we can help to set your big night alight.
For a friendly chat about booking a cover band for your party or event in London, please call our live music experts on 0800 564 2240.


text:
Cook North (101)
General Medical and Surgical Hospitals (72)
Facilities Support Services (8)
Junior Colleges (7)
Medical, Dental, and Hospital Equipment and Supplies Merchant Wholesalers (4)
Child and Youth Services (2)
Corporate, Subsidiary, and Regional Managing Offices (2)
Industrial Valve Manufacturing (1)
Other Business Service Centers (including Copy Shops) (1)
Paint, Varnish, and Supplies Merchant Wholesalers (1)
NorthShore University Health System (72)
ABM Industries, Inc. (8)
Oakton Community College (7)
Chemistry, Computer Science, Engineering, Geosciences, Life Sciences, Physics/Astronomy (2)
Chemistry, Life Sciences (1)
Computer Science, Engineering (1)
Life Sciences, Mathematics (1)
☒ Education Level: Some College
☒ City: Skokie
PT Sales Associate - Skokie 3161 (7107119)
Employer: The Sherwin-Williams Company
Location: Skokie, IL
WELCOME TO SHERWIN-WILLIAMS
Sherwin-Williams is the largest paints and coatings company in the world. With $15.8 billion in sales, more than 4,100 stores, and 140 manufacturing and distribution centers worldwide. Our 60,000 employees across the globe are diverse, innovative and passionate. With a variety of rewarding and challenging…
Nurse Practitioner, SNF, 40hrs, SK (7106894)
Employer: NorthShore University Health System
Nurse Practitioner, SNF, 40hrs, SK (69803)
NorthShore University HealthSystem (NorthShore) is a premier integrated healthcare delivery system consistently ranked as a Top 15 Teaching Hospital in the United States. Headquartered in Evanston, Ill., NorthShore was the first health system in Illinois to achieve Magnet recognition-the highest, most prestigious honor…
Pediatric Endocrinology PSA (7106788)
Pediatric Endocrinology PSA (70833)
NorthShore University HealthSystem (NorthShore) is a premier integrated healthcare delivery system consistently ranked as a Top 15 Teaching Hospital in the United States. Headquartered in Evanston, Ill., NorthShore is a non-for-profit organization comprised of four hospitals – Evanston, Glenbrook, Highland Park and Skokie. The system includes…
Clinical Pharmacist - Resource, Skokie Pharmacy (7103754)
Clinical Pharmacist – Resource, Skokie Pharmacy (70795)
NorthShore University HealthSystem (NorthShore) is a premier integrated healthcare delivery system consistently ranked as a Top 15 Teaching Hospital in the United States. Headquartered in Evanston, Ill., NorthShore is a non-for-profit organization comprised of four hospitals – Evanston, Glenbrook, Highland Park and Skokie…
Resource Ophthalmic Tech (7103467)
Resource Ophthalmic Tech (68296)
Staff Nurse, Infusion Center, 32 Hours, Day, Skoki (7099805)
Staff Nurse, Infusion Center, 32 Hours, Day, Skokie Hospital (70809)
NorthShore University HealthSystem (NorthShore) is a premier integrated healthcare delivery system consistently ranked as a Top 15 Teaching Hospital in the United States. Headquartered in Evanston, Ill., NorthShore was the first health system in Illinois to achieve Magnet recognition-the highest…
Business Intelligence Analyst, Clinical Analytics (7099619)
Business Intelligence Analyst, Clinical Analytics (69025)
NorthShore University HealthSystem (NorthShore) is a premier integrated healthcare delivery system consistently ranked as a Top 15 Teaching Hospital in the U.S. Headquartered in Evanston, IL, NorthShore is comprised of four hospitals – Evanston, Glenbrook, Highland Park and Skokie. The system includes a 900…
Fire Science/EMT Mentor (7099029)
Employer: Oakton Community College
Fire Science/EMT Mentor
Division of Business and Career Technologies
Part Time Staff
About Oakton Community College :
Oakton Community College, a caring community of educators dedicated to excellence in teaching and learning, seeks…
Ortho Cast Tech (7099005)
Ortho Cast Tech (68715)
Inpatient Pharmacy Technician Skokie Hospital (Res (7098990)
Inpatient Pharmacy Technician Skokie Hospital (Resource) (67807)


text:
These are the general terms and conditions of Robo SMS ("Robo SMS"). The following terms and conditions describe under which conditions you ("User") are entitled and able to use the offered services on www.Robo SMS.com. By registering, you accept the following Terms and Conditions. If you have any questions regarding these Terms and Conditions, you can contact us by using the contact form.
Robo SMS reserves the right to modify these Terms and Conditions at any time. In the event the User does not accept the modified Terms and Conditions, Robo SMS will reserve the right to cancel the account.
These Terms and Conditions apply to all offered services and in the context of the offered services: offers, tenders, and agreements by and between Robo SMS and User.
Any deviations from these Terms and Conditions are only valid if agreed upon explicitly in writing.
The applicability of any purchase, delivery or other conditions of User is expressly rejected. By completing the registration form the User expressly agrees to these Terms and Conditions.
Services/Price
All prices referred to herein do not include taxes.
Robo SMS cannot be held to its offers if the User could reasonably understand that the offer or tender or a part thereof contains obvious mistake(s) or error(s).
Robo SMS reserves the right to change prices at its sole discretion. In the event prices are subject to change, such change shall at any time be mentioned on the website of Robo SMS.
Robo SMS shall not be liable for any short-term or long-term interruption of the data transmission to the mobile phone of the User/receiver. Robo SMS expressly does not guarantee that an SMS message is always received properly and on time and does not guarantee the complete and permanent availability of all services.
All periods and dates specified by Robo SMS are target dates unless expressly agreed otherwise in writing. Robo SMS will only be in default after having been given a notice of default in writing and after being granted a reasonable recovery period. Robo SMS is entitled to have certain proceedings or services carried out by third parties.
All payments to Robo SMS must be made on a prepayment term. Within 14 days after the payment date, in a manner specified by Robo SMS, a proper receipt will be sent to customers.
The user is not entitled to set off any (alleged) counterclaims on Robo SMS against receipts of Robo SMS.
User's obligations
User must in every respect behave as a responsible and careful internet user and SMS sender. When using the Robo SMS services, User is required to take into account the applicable legal rules and the rules set by Robo SMS. User guarantees to act in accordance with international rules of conduct for SMS services and indemnify and holds Robo SMS harmless for damages caused by acts in violation of these rules of conduct.
User is fully responsible for the content of SMS messages sent by User, customers of the User or a third party at the request of the User. User indemnifies and holds Robo SMS harmless for damages resulting from the content of sent SMS messages.
User will not send messages which include content or expressions that harms or can harm the interests of Robo SMS or its Suppliers.
User will not in any way make use of the services of Robo SMS for utterances which are; unlawful, pornographic, abusive, racist, discriminatory, inflammatory and/or illegal in any way, which shall be determined at the sole discretion of Robo SMS. The user guarantees that the use of Robo SMS services by him, will in no way infringe upon the rights of third parties.
Robo SMS is entitled to view – electronic or otherwise – any messages (sent or to be sent) from User, in order to see whether the content meets or does not infringe the provisions of this article.
Robo SMS is authorized to suspend the performance of its obligations or terminate a contract if User does not (fully) fulfill his obligations. Furthermore, Robo SMS and User are entitled to terminate (or have terminated) a contract for the supply of services if the other party is in suspension of payments, files for bankruptcy or is declared to be in a state of bankruptcy. If at the time of termination/cancellation, the User has already received any performance of the services, such services and related payments will not be subject to cancellation. Amounts in respect of already performed services – invoiced before the termination – will be immediately due and payable at the moment of termination. Without prejudice to its other rights, Robo SMS is among other reasons entitled to terminate the agreement with immediate effect when:
User fails in the performance of his/her obligations, or is in violation of the terms of the Agreement;
Robo SMS considers the User's medium might be contrary to public order or morality, or could in any way be considered to be offensive or violent;
Robo SMS and/or its interest could in any way be harmed by the acts of the User.
Robo SMS has the right to terminate the registration of a registered User if the User has not used the services of Robo SMS for a continuous period of twelve (12) months. Any remaining credits will be canceled.
Complaints with regard to performed services should be reported by means of a written notice by the user to Robo SMS within 8 days as of the date of discovery. The notice must contain a description of the failure as detailed as possible, so Robo SMS is able to respond adequately. If a complaint is legitimate, Robo SMS will perform its service (again), unless such performance demonstrably does no longer serve the User's interest. The latter should be expressed in writing by the User.
User is not allowed to use Robo SMS's services for actions and/or behaviors that are in breach of or contrary to applicable laws, regulations, the agreement or these Terms and Conditions. This includes, but is not limited to, the following actions and behaviors:
spamming: sending unsolicited SMS with the same content;
violating copyright works or any other conduct which violates the intellectual property rights of third parties;
deception of others;
abusing the texts, or the information from Robo SMS;
offering products or services that are not User's, without the consent of the rightful owner;
offering products or services which are not legal under the law of recipients.
If User acts contrary to the provisions of this article, Robo SMS has the right to terminate the agreement with the User with immediate effect and to charge User with an immediately payable penalty of € 5.000 per event. This penalty does not affect the right of Robo SMS to claim higher damages relating to this matter. Any damage to Robo SMS or third parties caused by acts contrary to the provisions of this article can be recovered from the User.
User shall be due to a fee (as determined by Robo SMS) per SMS message. Payment will be made in the manner specified by Robo SMS.
Robo SMS is entitled to change its fee for SMS messages. If User does not wish to accept the changes regarding the fee and/or costs, the User is entitled to terminate the agreement.
Robo SMS works based on prepaid (prepayment). User buys SMS credit (credits) and can use the purchased credit after payment.
No rights can be derived from the credits. Any remaining credits at the end of the contract will be canceled as a result of the termination, this without an obligation for Robo SMS to refund.
For payments over 500 Euro, we advise using a bank wire.
Robo SMS is never liable for any damages suffered by the User as a result of a failure in the performance of the agreement, unless in the event of gross negligence or willful misconduct of Robo SMS.
If Robo SMS is liable for any damages whatsoever, such liability is limited to what is provided for in these Terms and Conditions.
Besides the cases mentioned in this article, Robo SMS shall not be liable for damages, regardless of the grounds on which an action for damages will be based.
The total liability of Robo SMS due to attributable failure in the performance of a contract is limited to direct damages up to the amount of the stipulated service fee or charge for a period of up to six (6) months, with a maximum of 5.000 euro.
Robo SMS is never liable for indirect damage, also including consequential damage, lost profits, lost data, lost savings and damages due to business stagnation.
Robo SMS is committed to safely transferring User's data. Robo SMS, however, does not guarantee the complete security of such data. The use of Robo SMS services is, with regard to the security of data, at User's own risk.
User indemnifies Robo SMS for any and all claims by third parties concerning intellectual property rights on material or data provided by the User made available by the User, for the performance of the services. The user also indemnifies Robo SMS for other possible claims by third parties who suffer damages in connection with the performance of the services and which are attributable to the User.
Robo SMS will not use data from the User for purposes other than the provision of services and will not sell such data to a third party.
Robo SMS will not disclose any personal information of Users if explicit consent is not granted or in the exceptional circumstance that such information is required for legal purposes.
Robo SMS will comply with the applicable regulations regarding privacy. In case there is a legal obligation Robo SMS will present data from User to third parties.
The information within Robo SMS's storage is password protected so that only the User has access to the User's personal and account information. The username and password supplied by Robo SMS to User are strictly personal and should be kept secret. The user is responsible for the abuse of the username/password and shall immediately notify Robo SMS of any loss, theft and/or abuse.
Robo SMS takes several measures to keep her and your data as secure as possible, but Robo SMS cannot guarantee the safety of the data. The measures Robo SMS takes in that context shall include (but not exclusively):
Time restricted access to sensitive components;
Employee access to data on a need-to-know basis;
Four eyes principle for several data including financial data;
Extensive logging and monitoring (internal & external);
Outsourcing policy with a confidentiality agreement;
Data retention policy;
Use of an internal and external Compliance Officer to validate that the internal procedures are being met required PES (Pre-Employment Screening), including a certificate of good conduct for each newly hired employee.
Robo SMS continues alignment to comply with the General Data Protection Regulation 2016/679. The EU 2016/679 General Data Protection Regulation will, starting with 25.05.2018, impose a single set of rules at EU level, being directly applicable and implicitly abrogating from this date the local normative act - Law 677/2001.
What does GDPR bring?
New rights for new and existing clients, such as the right to be forgotten and the right to data portability.
Specific, clear and simple provisions, easy to understand.
Enhanced cooperation between supervisory authorities in the case of data processing involving people from several EU Member States.
One stop shop rule, which establishes the competent authority.
Accountability of data operators.
Responsibilities of the user of the services offered:
Receive and store the consent of the data subject (whose data is processed) or prove the legal basis on which it processes the data.
To inform clients about data collected and processed.
Inform clients about the period for which data is stored.
Delete or anonymize data if it receives such a request from a customer.
Securing sites and applications installed on servers and hosting accounts.
Responsibilities of Robo SMS:
Store the data entered on the servers in confidentiality.
Limit access only to people who work directly with Robo SMS (developers and technical support) and ensure that people are instructed to take the necessary steps to take for maximum data protection.
Not sell or transmit to third parties data stored in the application or hosting accounts.
Take proactive measures to protect stored data.
Report any data breaches to customers and authorities.
About storage:
The data will be stored on its own servers collaced in a professional, secure datacenter, with limited access only to authorized persons.
Data is and will only be stored within the European Union.
Backups of data will only be stored in secure and secure locations.
The data will be retained for the contract period.
The data will be automatically deleted as a result of customer requests and the client will be informed of the backup period that may still contain the data.
The external partners we collaborate with (Google, Facebook, and others) are periodically checked to maintain compliance with GDPR.
What does Robo SMS do to GDPR compliance?
We have generated internal procedures to keep track of personal data collected.
We have repeatedly instructed employees in the procedures and best practices needed to protect the data.
We have conducted internal audits to verify procedures to be continually deployed and to quickly detect any security or data breaches.
Computers and information are stored in secure and secure locations with monitored access.
Data stored in the backup system is encrypted.
If the agreement, for whatever reason, has been terminated, Robo SMS has the right to block the access to the User's account.
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text:
\section*{Introduction}

A ring map $A \to A'$ is \emph{ind-smooth} if $A'$ is a filtered direct limit of smooth $A$-algebras. A filtered direct limit (in other words a filtered colimit) is a limit indexed by a small category that is filtered (see \cite[002V]{SP} or \cite[04AX]{SP}). A filtered  union is a filtered direct limit in which all objects are subobjects of the final colimit, so that in particular all the transition arrows are monomorphisms. The above theorem says that $K\to V$ is ind-smooth.  Zariski  proved \cite{Z} that a valuation ring $V$ containing a field $K$ of characteristic zero is a filtered  union of smooth $K$-subalgebras of $V$. In \cite{P} we showed  with a  different proof a weaker result namely that $V$ is ind-smooth over $K$. This follows using
 the following theorem
 (see \cite[Theorem 21]{P}).
\begin{Theorem}\label{T0} Let $V\subset V'$ be an immediate extension of valuation rings   containing $\bf Q$.
Then $V'$ is ind-smooth over $V$.
\end{Theorem}
An immediate extension of valuation rings is an extension inducing trivial extensions on residue field and group values extensions.

The goal of this paper is to show the following theorem.

 \begin{Theorem} \label{T1} Let $V\subset V'$ be an extension of valuation rings containing $\bf Q$, $K\subset K'$ its fraction field extension, which is assumed to be of finite type. Then $V'$ is ind-smooth over $V$  if and only if the following statements hold
\begin{enumerate}
\item{} for each $q\in \Spec V$ the ideal $qV'$ is also prime,

\item{}  For any prime ideals $q_1,q_2\in \Spec V$  such that $q_1\subset q_2$ and  $\height(q_2/q_1)=1$ the  extension $V_{q_2}/q_1V_{q_2}\subset V'_{q_2V'}/q_1V'_{q_2V'}$ of  valuation rings is ind-smooth.
\end{enumerate}
\end{Theorem}
This result follows from Theorem \ref{t}. We should mention that  if  $\dim V=\dim V'=1$ and the residue field extension of $V\subset V'$ is trivial then by \cite[Theorem 2]{P} $V\subset V'$ is ind-smooth if   and only if the value group extension of $V\subset V'$ is trivial.
\vskip 0.5 cm

\section{Extensions of valuation rings containing  $\bf Q$}

For a finitely presented ring map $A \to B$, an element $b \in B$ is \emph{standard over $A$} if there exists a presentation $B \cong A[X_1, \dotsc, X_m]/I$ and $f_1, \dots, f_r \in I$ with $r \leq m$ such that $b = b'b''$ with $b' = \det ({(\partial f_i/\partial X_{j}))_{1 \le i,\, j \le r}} \in A[X_1, \dotsc, X_m]$ and a $b'' \in A[X_1, \dotsc, X_m]$ that kills~$I/(f_1, \dotsc, f_r)$ (our standard element is a special power of the standard element from  \cite[Definition, page 9]{S} given in the particular case of the valuation rings). The radical of the ideal generated by the  elements of $B$ standard over $A$ is $H_{B/A}$, which defines the singular locus of $B/A$.

We will need the following lemma proved in  \cite[Lemma 7]{P}.

\begin{Lemma} \label{k}
For a commutative diagram of ring morphisms

\xymatrix@R=0pt{
& B \ar[rd] & & && B \ar[dd]^{b \, \mapsto\, a} \ar[rd] & \\
A \ar[rd] \ar[ru] & & V & \mbox{that factors as follows} & A \ar[ru]\ar[rd] & & V/a^3V \\
& A' \ar[ru] & & && A'/a^3A' \ar[ru] &
}

\noindent with $B$ finitely presented over $A$, a $b \in B$ that is standard over $A$, and a nonzerodivisor $a \in A'$ that maps to a nonzerodivisor in $V$ that lies in every maximal ideal of $V$,
there is a smooth $A'$-algebra $S$ such that the original diagram factors as follows:

\hskip 4 cm\xymatrix@R=0pt{
& B \ar[rdd] \ar[rrd] & & \\
A \ar[rd] \ar[ru] & &  & V. \\
& A' \ar[r]  & S \ar[ru] &
}

 \end{Lemma}

A small extension of Theorem \ref{T0} when the residue field extension is not trivial is the following proposition.

\begin{Proposition}\label{p}  Let $V\subset V'$ be an extension of valuation rings  containing $\bf Q$,  $k\subset k'$ its  residue field extension,  $K\subset K'$ its fraction field extension and $\Gamma\subset \Gamma'$ its value group extension. Assume $K'/K$ is a field extension of finite type and $\trdeg K'/K=\trdeg k'/k<\infty$ and one of the following statements hold:
\begin{enumerate}

\item{} the value group extension $\Gamma\subset \Gamma'$ is trivial,

\item for each $q\in \Spec V$ the ideal $qV'$ is also prime and
for any prime ideals $q_1,q_2\in \Spec V$  such that $q_1\subset q_2$ and  $\height(q_2/q_1)=1$ the  extension $V_{q_2}/q_1V_{q_2}\subset V'_{q_2V'}/q_1V'_{q_2V'}$ of  valuation rings is ind-smooth.
\end{enumerate}
 Then $V'/V$ is ind-smooth.
\end{Proposition}
\begin{proof} Let ${\frk m}$ be the maximal ideal of $V$ and  $x$ be a system of elements of $V'$ inducing a transcendental basis of $k'/k$. Then $x$ is algebraically independent over $V$ and  $W=V'\cap K(x)\cong V[X]_{mV[X]}$, $X$ being some variables,  is ind-smooth over  $V$. Thus $K'$ is a finite extension of $L=K(x)$  the fraction field of $W$ by our hypothesis.     The proof is somehow as in  \cite[Theorem 21]{P}.

Let $E=V[Y]/I$, $Y=(Y_1,\ldots,Y_n)$ be a finitely generated $V$-subalgebra of $V'$ (so finitely presented by \cite[Theorem 20]{Na}) and a  $w:E\to V'$ the inclusion.  By  \cite[Lemma 1.5]{S} it is enough to show that $w$ factors through a smooth $V$-algebra.  Replacing $ E$ by $\Im w$ as in \cite[Proposition 20]{P}
 we may assume $w$ injective. By separability  we have  $ w( H_{E/V})\not =0$, let us assume that  $  H_{E/V}V' \supset zV'$ for some $z \in  V'$, $z\not =0$.
Similarly as in  \cite[Lemma 4]{ZKPP} we may
assume $z=w(z')$, $z'\in E$ and    for some polynomials $ f = (f_1,\ldots,f_r)$
from $I$ that $z'\in NM E$ for some $N\in ((f):I)$ and a $r\times r$-minor $M$ of the Jacobian matrix $(\partial f_i/\partial Y_j)$. Thus we may suppose $z'\in E$ standard over $V$, which is necessary later to apply Lemma \ref{k}.

 As $K'/L$ is finite we may assume $z\in W$.  If  $V\subset V'$ is dense  we may apply  \cite[Proposition 9]{P}  to see that $w$ factors through a smooth $V$-algebra. Otherwise, the factorization is constructed as follows.  Let $q_1'\in \Spec V'$ be the prime ideal corresponding to the maximal ideal of the fraction ring of $V'$ with respect to the multiplicative system  generated by $z$. Then $q_1'$ is the biggest prime ideal of $V'$ which does not contain $z$. The minimal prime ideal $q'$ of $zV'$ satisfies height$(q'/q_1')=1$.  The idea is to construct using Lemma \ref{k}   a factorization $E\to E'\xrightarrow{w'} V'$ such that $w'(H_{E'/V})\not \subset q'$, where $E'$ is finitely presented over $V$. In several steps we want to find
  a factorization $E\to E^{(n)}\xrightarrow{w^{(n)}}V'$ such that $w^{(n)}(H_{E^{(n)}/V})V'=V'$ which will be enough.
  The problem is to show that we can find such $E^{(n)}$ in finite steps. For this we  consider a finite partition ${\mathcal P}_i$, $i=1,\ldots,s$ of $\Spec V'$ corresponding to those $q'\in\Spec V'$ which have the same dimension $f_i=f_{q'}\leq f=[K':L]$ of the fraction field extension $L_{q'}\subset K'_{q'}$ of $W/q'\cap W\subset V'/q'$. We will see that to each construction $q_1'$ change  from one ${\mathcal P}_j$ to another one from  ${\mathcal P}_i$ with $j<i$ and $f_i<f_j$. Finally we arrive in finite steps to the case $f_{q_1'}={\bar f}=[k':k'']$, $k''$ being the residue field of $W$. Note that $f_q\leq f_{q_1}$.

    Let $x_{q'}$ be a primitive element of the separable finite extension $K'_{q'}/L_{q'}$ and $g_{q'}\in (W/q'\cap W)[X]$ be a primitive polynomial multiple of Irr$(x_{q'},L_{q'})$ by a nonzero constant of $L_{q'}$. Note that if $q',{\frk q}'\in {\mathcal P}_i$, $q'\subset {\frk q}'$ then $f_{q'}=f_{{\frk q}'}=f_i$ and $g_{q'}$ remains irreducible over $W/{\frk q}'\cap W$.
    Clearly, $f_s={\bar f}$ because $f_{{\frk m}'}=[k':k'']$ for the maximal ideal ${\frk m}'$ of $V'$.
A set  ${\mathcal P}_i$ has a maximum element for inclusion namely ${\frk p}_i'=\cup_{ {\frk q}' \in {\mathcal P}_i}{\frk q}'$. Indeed, ${\frk p}_i'$  is clearly a prime ideal and if  $f_{{\frk p}_i'}<f_i$ then $f_{{\frk q}'}<f_i$ for some ${\frk q}'\in  {\mathcal P}_i$, which is false.

    Assume $q_1'\in {\mathcal P}_j$. If $q_1'\not ={\frk p}_j'$ then $(W/q_1'\cap W)_{{\frk p}_j'\cap W}\subset (V'/q_1')_{{\frk p}_j'}$ is in fact a localization of $(W/q_1'\cap W)[X]/(g_{q_1'})$ because $g_{q_1'}'=\partial g_{q_1'}/\partial X$ corresponds to a unit in $(V'/q_1')_{{\frk p}_j'}$ and so the composite map $E\otimes_VW\to V'\to (V'/q_1')_{{\frk p}_j'}$ induced by $w$ factors through an etale $W/q_1'\cap W$-algebra of the form $((W/q_1'\cap W)[X]/(g_{q_1'})_{g_{q_1'}'h}$ for some $h\in W[X]$. In particular $E\otimes_VW
\to V'\to (V'/(z^3))_{{\frk p}_jV'}$ factors  through an etale $W/(z^3)$-algebra and by Lemma \ref{k} the map  $E\otimes_VW\to V'\to V'_{{\frk p}_j'}$ factors through a smooth $W$-algebra. But $W$ is a localization of a polynomial $V$-algebra and so $w$ factors through a smooth $V$-algebra. Using \cite[Lemma 13]{P}  we see that $w$ factors through a finitely presented $V$-algebra $E'$, let us say through a map $w':E'\to V'$ with $w'(H_{E'/V})\not \subset {\frk p}_j'$. Changing $E$ by $E'$ we see that the new $q'$ belongs to ${\mathcal P}_i$ for some $i>j$. Moreover, the new $q_1'$ belongs also to ${\mathcal P}_{i'}$ for some $i'>j$, because otherwise we get $q_1'={\frk p}_j'$.

    If $q_1'={\frk p}_j'$ then $q'\in {\mathcal P}_{j+1}$ and we apply  \cite[Corollary 19]{P} as in \cite[Proposition 20]{P}
     when (1) holds.  Then     $(W/q_1'\cap W)_{q'}\subset (V'/q_1')_{q'}$ is ind-smooth and  we see that the composite map $E\otimes_VW\to V'\to (V'/q_1')_{q'}$ factors through a
 smooth $W/q_1'\cap W$-algebra. By Lemma \ref{k}  the composite map $E\to V'\to V'_{q'}$ factors through a smooth $V$-algebra and by \cite[Lemma 13]{P} we get that   $w$ factors through a finitely presented $V$-algebra $E'$, let us say through a map $w':E'\to V'$ with $w'(H_{E'/V})\not \subset q'$. Now the new $q_1'$,
 that is the old $q'$, belongs to ${\mathcal P}_{j+1}$.

 Set $q_1=q'_1\cap V$, $q=q'\cap V$ and assume (2) holds. If $q=q_1$, then we see directly that   the composite map $E\to V'\to (V'/q_1')_{q'}$ factors through a
 smooth $(V/q_1)_{q_1}$-algebra by Zariski's Uniformization Theorem (\cite{Z}, see also \cite[Theorem 35]{P}) and using Lemma \ref{k} we see that the composite map $E\to V'\to V'_{q'}$ factors through a
 smooth $V$-algebra. As above by \cite[Lemma 13]{P}  we see that $w$ factors through a finitely presented $V$-algebra $E'$, let us say through a map $w':E'\to V'$ with $w'(H_{E'/V})\not \subset q'$. Now the new  $q_1'$  that is the old $q'$, belongs to ${\mathcal P}_{j+1}$.

 Suppose $q\not=q_1$. We have $qV'=q'$ because otherwise $qV'\subset q'_1$ and we get $q=q_1$ which is false. Also $q_1V'\subset q'_1$ because otherwise we get $q_1'=q'$,  which is not possible. It follows that height$(q/q_1)=1$ and $q_1V'=q_1'$ since height$(q'/q_1')=1$.
 By (2)
 the  extension $V_q/q_1V_q\subset V'_{q'}/q_1'V'_{q'}$ of  valuation rings is ind-smooth and so the composite map $E\to V'\to (V'/q_1')_{q'}$ factors through a
 smooth $(V/q_1)_{q'}$-algebra. Using Lemma \ref{k} we see that the composite map $E\to V'\to V'_{q'}$ factors through a smooth $V$-algebra. Applying again \cite[Lemma 13]{P}  we see that   $w$ factors through a finitely presented $V$-algebra $E'$, let us say through a map $w':E'\to V'$ with $w'(H_{E'/V})\not \subset q'$. Now the new $q_1'$,
 that is the old $q'$, belongs to ${\mathcal P}_{j+1}$.

  In some steps (at most $s$) we arrive to the case when $f_{q_1}={\bar f}$. As before $V'/q_1'$  is a localization of an etale $W/q_1'\cap W$-algebra and so $V'/z^3V'$ is a localization of an etale $W/z^3W$-algebra. Applying Lemma \ref{k} we see that $E\otimes_VW\to V'$ factors through an etale $W$-algebra, that is $w$ factors through a smooth $V$-algebra.
 Now  apply  \cite[Lemma 1.5]{S}.
\hfill\ \end{proof}

\begin{Remark} The above proposition does not work when $k$ has not characteristic  zero. A reason is  that \cite[Corollary 19]{P} does not work in this case as shows for example \cite[Example 3.13]{Po1} inspired by \cite[Sect 9, No 57]{O} (see also \cite[Remark 6.10]{Po1}). Also Zariski's Uniformization Theorem perhaps does not work when $k$ has not characteristic  zero.
\end{Remark}

\begin{Theorem} \label{t} Let $V\subset V'$ be an extension of valuation rings containing $\bf Q$, $K\subset K'$ its fraction field and $\Gamma \subset \Gamma'$ its value group extension.  If the extension $\Gamma\subset \Gamma'$ is trivial then $V'$ is ind-smooth over $V$. If $K'/K$ is of finite type then $V'$ is ind-smooth over $V$  if and only if the following statements hold
\begin{enumerate}
\item{} for each $q\in \Spec V$ the ideal $qV'$ is also prime,

\item{}  For any prime ideals $q_1,q_2\in \Spec V$  such that $q_1\subset q_2$ and  $\height(q_2/q_1)=1$ the  extension $V_{q_2}/q_1V_{q_2}\subset V'_{q_2V'}/q_1V'_{q_2V'}$ of  valuation rings is ind-smooth.
\end{enumerate}
\end{Theorem}

\begin{proof} If $V'$ is ind-smooth over $V$ then $V'/qV'$ is ind-smooth over $V/q$   for every $q\in V$ and so $V'/qV'$ is a domain. Also for $S=V\setminus q_2$ and we have $S^{-1}(V'/q_1V')$  ind-smooth over $S^{-1}(V/q_1)=(V/q_1)_{q_2}$ for  $q_1,q_2\in \Spec V$ with $q_1\subset q_2$. Hence  the necessity in the second statement  holds.

  For the rest  we may also consider  the case when the field extension $K'/K$ is of finite type  in the first statement because we may write $K'$ as a filtered union of subfields $F$ of $K'$ which are finite type field extensions of $K$. The value group extension of $V\subset V'\cap F$ is still trivial and we may replace $V'$ by such $V'\cap F$.

Let   $E $ be  a $V$-algebra of finite presentation, let us say $E \cong
V[Y]/I$, $Y =
(Y_1\ldots, Y_m)$, $I$ being  a finitely generated ideal. Let $w:E\to V'$ be a $V$-morphism. We will show that $w$ factors through a smooth $V$-algebra and the proof ends applying \cite[Lemma 1.5]{S}   as in the proof of the above proposition. We consider $H_{E/V}$, $z$ as in Proposition \ref{p}  and we may assume $z'\in E$ with $z=w(z')$  standard over $V$, which is necessary later to apply Lemma \ref{k}. Let $q',q'_1$ be the adjacent prime ideals of $z$ as in the above proposition. We will show
that $w$ factors through a finitely presented $V$-algebra $E'$, let us say by a morphism $w':E'\to V'$ such that $w'(H_{E//V})\not \subset q'$.

Let $q'\in \Spec V'$. Set $t=\trdeg K'/K$ and let $t_{q'}$ be the transcendental degree of $ V'/q'$ over $V/q'\cap V$. Then $t_{q'}\leq t$. Let $x_{q'}=(x_{q',1},\ldots,x_{q',t_{q'}})$ be  some elements from $V'$ which form a transcendental basis of the fraction field extension  $K_{q'}\subset K'_{q'}$ of $V/q'\cap V\subset V'/q'$.

We  consider a finite partition ${\mathcal F}_i$, $i=1,\ldots,s$ of $\Spec V'$ corresponding to those $q'\in\Spec V'$ which have the same transcendental degree $t_i=t_{q'}\leq t$.
 Set $ {\frk q}'_i=\cup_{ q'\in {\mathcal F}_i}  q'$ and  let $q'\in  {\mathcal F}_i$. Clearly ${\frk q}'_i$ is a prime ideal and if ${\frk q}'_i\not \in {\mathcal F}_i$ then there exists a non zero  polynomial $f\in V[X]$, $X=(X_1,\ldots,X_{t_i} $ such that $f(x_{q'})\in {\frk q}'_i$. Thus $f(x_{q'})\in q''$ for some $q''\in  {\mathcal F}_i$, $q'\subset q''$, that is $t_{q''}<t_i$, which is false.  So ${\frk q}'_i$  is the greatest prime
ideal of $V'$ such that $t_{{\frk q}'_i}=t_i$. Given $q_1'\in
{\mathcal F}_i$ we will construct $E'$ and a morphism $w':E'\to V'$ such that $w$ factors through $w'$ and changing $E$ by $E'$ the new $q_1$ belongs to a  ${\mathcal F}_j$ for some $j>i$, so $t_j<t_i$.
Finally we arrive in finite steps to the case $t_{q_1'}={\bar t}=[k':k]$, $k, k'$ being the residue fields of $V,V'$ and it is enough to apply Proposition \ref{p}.

 Indeed, assume $q_1'\in {\mathcal F}_i$. If $q_1'\not ={\frk q}_i'$ then apply Proposition \ref{p} to $(V/q'_1\cap V)_{{\frk q}'_i\cap V}\subset (V'/q'_1)_{{\frk q}'_i}$. Then the composite map $E\to V'\to(V'/q')_{{\frk q}'_i}$ induced by $w$ factors through a smooth
$(V/q'_1\cap V)_{{\frk q}'_i\cap V} $-algebra. By Lemma \ref{k} we see that the composite map $E\to V'\to V'_{{\frk q}'_i}$ factors through a smooth $V$-algebra. Using \cite[Lemma 13]{P} we see that $w$ factors through a finitely presented $V$-algebra $E'$, let us say by a morphism $w':E'\to V'$ such that $w'(H_{E//V})\not \subset {\frk q}'_i$. Then the new $z$ is not in ${\frk q}'_i $. If the new $q'_1\in {\mathcal F}_i$ then the old $q'_1$ should be ${\frk q}_i'$, which is not the case.

If $q'_1={\frk q}'_i$ then we consider the extension   $(V/q'_1\cap V)_{q'\cap V}\subset (V'/q'_1)_{q'}$. In the first case we apply \cite[Corollary 19]{P} as in the above proposition.
 Assume now that (1), (2) hold. Set $q_1=q'_1\cap V$, $q=q'\cap V$. If $q=q_1$, then as in the above proposition we see that   the composite map $E\to V'\to (V'/q_1')_{q'}$ factors through a
 smooth $(V/q_1)_{q_1}$-algebra by Zariski's Uniformization Theorem (\cite{Z}, see also \cite[Theorem 35]{P}) and using Lemma \ref{k} we see that the composite map $E\to V'\to V'_{q'}$ factors through a
 smooth $V$-algebra. As above by \cite[Lemma 13]{P}  we see that $w$ factors through a finitely presented $V$-algebra $E'$, let us say through a map $w':E'\to V'$ with $w'(H_{E'/V})\not \subset q'$. Now the new  $q_1'$  that is the old $q'$, belongs to ${\mathcal P}_{i+1}$.

 Suppose $q\not=q_1$. As in Proposition \ref{p} we see that height$(q/q_1)=1$ and $q_1V'=q_1'$ since height$(q'/q_1')=1$.
 By (2)
 the  extension $V_q/q_1V_q\subset V'_{q'}/q_1'V'_{q'}$ of  valuation rings is ind-smooth and so the composite map $E\to V'\to (V'/q_1')_{q'}$ factors through a
 smooth $(V/q_1)_{q'}$-algebra. Using Lemma \ref{k}  and \cite[Lemma 13]{P}  we see as above that   $w$ factors through a finitely presented $V$-algebra $E'$, let us say through a map $w':E'\to V'$ with $w'(H_{E'/V})\not \subset q'$. Now the new $q_1'$,
 that is the old $q'$, belongs to ${\mathcal F}_{i+1}$.

Applying this construction we arrive  in at most $s$-steps  to the case when $t_{q_1'}={\bar t}$, when we apply Proposition \ref{p} to see that the extension  $V/q'_1\cap V\subset V'/q'_1$ is ind-smooth.  Using Lemma \ref{k} we see that $w$ factors through a smooth $V$-algebra
 Now apply \cite[Theorem 1.5]{S}.
\hfill\ \end{proof}

\begin{Corollary} Let $V \subset V'$ be an extension of valuation rings containing Q, with
${\frk m}$, ${\frk m}' = {\frk m} V'$ their maximal ideals and $\dim V = 1$. Let $q\in \Spec V'$ be such that $q\cap V=0$ and
height$({\frk m}'/q) = 1$. Assume that the extension $V \subset V'/q$ has the same value group.
Then $V'$ is ind-smooth over $V$.
\end{Corollary}
For the proof note as in the above proof that we may reduce to the case when  the fraction field extension of $V'/V$ is of finite type and apply Theorem \ref{t}.
\vskip 0.5 cm

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text:
Q: Ansible/Jinja2 error: no filter named 'map' Running an Ansible playbook on a centos7 server. site.yml includes the following:
elastic_cluster_ips: "{{ groups['es_cluster'] | map('extract', hostvars, ['ansible_default_ipv4', 'address']) | list}}"

but I keep getting this error:
FAILED! => {"changed": false, "msg": "AnsibleError: An unhandled exception occurred while templating '{{ groups['es_cluster'] | map('extract', hostvars, ['ansible_default_ipv4', 'address']) | list}}'. Error was a <class 'ansible.errors.AnsibleError'>, original message: template error while templating string: no filter named 'map'. String: {{ groups['es_cluster'] | map('extract', hostvars, ['ansible_default_ipv4', 'address']) | list}}"}

Preliminary searching looked like it might be a jinja2 version issue with earlier versions not having the map filter. I've checked my version though and it seems to be up to date. Any ideas what I'm doing wrong here?
Versions:
ansible 2.6.7,
python 2.6.6,
jinja2 2.10
Thanks!

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Avoid touching the jewellery too much or getting it wet.
It's best to put the jewellery and hair decorations on after spraying hair products (hair spray etc.) and perfume.
It's best to keep your leather jewellery placed directly on a surface, either upright or flat, in a dry place, out of direct sunlight. Tip: Viaminnet's range includes a beautiful and practical jewellery case, ideal for storing your jewellery and/or taking it with you.
If necessary, leather jewellery can be wiped gently with a damp cloth.


I want to share my support for the campaign to remove the "Big Society" from the Arts and Humanities Research Council's Delivery Plan. This is a position of principle, not politics: political campaign slogans should have no place in research council delivery plans. This position is endorsed by over 4,000 academics and 30+ learned societies as well as the UCU. Petitions (see http://www.ipetitions.com/petition/thebigsociety/) have drawn support from across disciplines and political divides. Please communicate to the AHRC the importance of taking action and removing this campaign slogan immediately.
I've had a query from a reader seeking advice about returning to philosophy after a career break. In her case, it was several years off with small children after getting her PhD and before getting a job. She knows it will be tough, but she really does want to return to philosophy.
Have any of you had similar experiences? Any advice to offer?
Brian Leiter has an important post up from Lionel McPherson on the disingenuous, insulting and counterproductive ways that departments and universities use supposed "diversity" funds and initiatives. Importantly, McPherson is *not* opposing genuine diversity initiatives or affirmative action. I urge you to go read it.
be encouraged in their philosophical aspirations.
Doctorate program in philosophy the following academic year.
if you have been chosen as a presenter.


Bright white kitchen with gorgeous marble mosaic tile detail.
Improved flow and function? Check. Updated style? Check.
At our first meeting, my client showed me images of kitchens she liked and this tulip from her garden. She asked for a kitchen that feels open, bright, calm and mostly white with a hint of color -- just like this tulip.
As we move into warmer weather and spend more time outside, what to do about those nasty bugs? Here are some natural recipes for making your own bug repellents. Use it yourself, provide it to your BBQ guests or bring it as a gift.


SLEEK, STYLISH DESIGN: Attractive curved acrylic frame makes a great addition to any desk, mantle or store display that can be displayed "curve-in" or "curve-out"
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Present your 5x7" photos with a unique twist with the Nicom Curved Acrylic Magnet Photo Frame. Two pieces of durable curved acrylic with magnets in each corner hold your photograph together for a beautiful presentation. The frame will fit a 5x7" photo with no border, or any smaller photos you wish, such as 4x6" or wallet-sized 2x3" photos - the secure magnets will hold them in place.
A one of a kind design for your pictures.
Self-supporting clear acrylic (lucite) will match any decor, elegantly showing off your chosen photograph in your home, office or storefront.
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Matches your style. No matter what it is.
The appealing design of the Curved Acrylic Magnet Frame is guaranteed to look good wherever you choose to display it, whether it's in your home, office or storefront. It's a great way to display point of sale information to customers, too.
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this is for an article about people who clap after a set but are not even paying attention.
This will be a full page illustration in a coming issue. the headline, etc... will be on the facing page. It is about the difficulties immigrants in Boston have getting a driver's licence. They said it would be cool if I could include the writer's likeness in this one so he is the guy in the middle. Luckily i nailed it on the first shot so it didn't add any extra time.
I'm having an art show this thursday, nov 9th at Fat Baby on 112 Rivington st. btwn Ludlow and Essex. It's a now monthly party put on by these two gals I know and their friends. blurb "Opening night at Fat Baby with DJ Yamez and Rob Swift on the decks and a very Special turntablist showcase by Rob Swift. Starting at 9pm, Art Showcase by Jason Raish and M.Galante. Custom T-shirts by James Chang (Yorkville) and Jason Raish. $3 beer and well drink specials at 9pm-10pm and again from 2am-3am. We want everyone there: whoever / whatever you are, It's all love :)"
This is how they ended up using the artwork for the 3 large posters. they took out the color glazes layer(red noses and such) and changed some other minor stuff. These are 3 print ads I did for them, still waiting to see how they put these together. I'm working on two more print ads for them now.
I have been working on some posters for an awards show for an ad agency and boy is it a nightmare. There are 2 dozen execs and art directors and creative directors and writers, etc... that have to approve everything before they even send it to the client to approve. I can count the revisions that i have had to make on 2 hands so far and there is more. Here are a few examples. First they wanted a normal person nothing too crazy, then i proposed this idea and they liked it, then they wanted warmer eyes, then they changed there mind and wanted a normal guy again. then they changed their mind and they want crazy funky characters which i am working on now. A few changes sure, but they have given the go ahead and approval 3 times and like 8 revisions already. They will probably change their minds again and then i will probably drop out.


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2012-06-26 Assigned to UNWIRED PLANET, INC. reassignment UNWIRED PLANET, INC. MERGER (SEE DOCUMENT FOR DETAILS). Assignors: OPENWAVE SYSTEMS INC.
2013-08-16 Assigned to UNWIRED PLANET IP MANAGER, LLC reassignment UNWIRED PLANET IP MANAGER, LLC ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: UNWIRED PLANET, INC.
2013-10-20 US case 3:13-cv-00579 filed litigation Critical https://portal.unifiedpatents.com/litigation/Nevada%20District%20Court/case/3%3A13-cv-00579 Source: District Court Jurisdiction: Nevada District Court "Unified Patents Litigation Data" by Unified Patents is licensed under a Creative Commons Attribution 4.0 International License.
2013-10-23 First worldwide family litigation filed litigation https://patents.darts-ip.com/?family=25544086&utm_source=google_patent&utm_medium=platform_link&utm_campaign=public_patent_search&patent=US7711100(B2) "Global patent litigation dataset" by Darts-ip is licensed under a Creative Commons Attribution 4.0 International License.
2014-07-11 PTAB case CBM2014-00156 filed (Final Written Decision) litigation https://portal.unifiedpatents.com/ptab/case/CBM2014-00156 Petitioner: Institution date: 2014-12-24 Termination date: 2015-12-22 "Unified Patents PTAB Data" by Unified Patents is licensed under a Creative Commons Attribution 4.0 International License.
2015-06-12 PTAB case CBM2015-00148 filed (Not Instituted - Procedural) litigation https://portal.unifiedpatents.com/ptab/case/CBM2015-00148 Petitioner: Institution date: 2015-12-23 Termination date: 2015-12-23 "Unified Patents PTAB Data" by Unified Patents is licensed under a Creative Commons Attribution 4.0 International License.
A system and method for controlling financial transactions is disclosed. A customer, using a wireless device, identifies a point of sale and the amount of a transaction at that point of sale is first communicated to a central service and then transmitted to the wireless device for display at the wireless device. The customer can either accept the transaction amount to complete the transaction or reject the amount to cancel the transaction. The customer may have to enter a password or personal identification number to verify the authorization to use the wireless financial system. The customer is billed for the transaction via credit, debit, ATM or other methods, such as the wireless carrier or an internet provider.
This Application is a divisional of U.S. patent application Ser. No. 08/997,489, filed Dec. 23, 1997, now U.S. Pat. No. 7,167,711 entitled SYSTEMS AND METHODS FOR CONTROLLING FINANCIAL TRANSACTIONS OVER A WIRELESS NETWORK, and incorporated by reference herein. These applications are commonly assigned.
This invention relates to wireless telephone networks, and more particularly to a system and method for coordinating financial transactions via a wireless telephone network.
Many point of sale locations, such as grocery stores and gas stations, have systems which allow customers to complete their purchases using a credit card or debit card. These systems typically have an electronic card reader or swipe device which reads data, such as account information, from the customer's card. After reading data from the card, the system presents a series of menus which prompt the customer for additional information, such as a password or personal identification number (PIN). The transaction is completed and the sale is finalized after the system verifies the customer's authority to use the card and after the customer verifies the transaction amount.
In a grocery store setting, the point of sale credit (debit) card device is usually in communication with the check-out registers. This system allows customers to pay for groceries without using cash or checks. Instead, the system bills the transaction to the credit card or transfers funds from customers' bank accounts to the merchant's bank account. If a debit card is used, then customers often have the option of obtaining cash from the clerk in addition to paying for their purchases.
Some point of sale locations, such as gas station pumps, allow customers to complete credit card or debit card transactions on their own, without the need for a clerk. Typically, customers have the option of either paying the gas station clerk or using a credit or debit card to pay at the pump. The customer is able to activate the pump simply by swiping the card in a card reader.
Most systems accept various combinations of credit and debit cards. Typically, a grocery store will accept credit cards, debit cards and bank automated teller machine (ATM) cards. Gas station pumps usually accept credit cards, debit cards and sometimes accept ATM cards. Gas stations typically accept universal credit cards, such as VISA, in addition to accepting proprietary or private label credit cards that are issued by the gasoline vendor. Systems that accept ATM cards often accept cards only from certain banking networks. Thus, if the customer's card is not issued by a particular banking network, then the point of sale system will not be able to process the transaction.
One problem with current point of sale systems is the limitation on the types of cards that can be used at various locations. Few, if any, point of sale locations have the capability of accepting and processing all types of credit cards and debit cards from every banking network. As a result, customers may not be able to use the point of sale systems at every business. Also, if customers are required to have multiple credit and debit cards to use the point of sale systems, then they will also have the burden of multiple passwords, PINs and bills.
Additionally, current systems limit customers to credit and debit cards. Consumers are not able to designate other accounts or methods of payment in addition to their credit or debit card accounts.
Accordingly there is a need in the art for a consumer to have a single mode for making all point of sale transactions.
Another need in the art is a system which allows consumers to designate any financial system as the source of funds to pay for various point of sale transactions.
A further need in the art is a system which, in real-time, positively identifies the purchaser as being the proper person authorized to use the account to which the merchandise is being charged or from which the funds are being withdrawn.
These and other problems and needs are addressed by a system and method in which a customer can complete financial transactions at point of sale locations by using a wireless device, such as a wireless telephone or a pager. Once the customer indicates a particular point of sale location, such as a particular cash register and transmits that location over the wireless network, a financial system, using the wireless network, correlates the customer with a transaction amount entered by the merchant at the identified point of sale location. The point of sale location can be identified by selecting from a series of menus presented on the wireless display or by entering a unique location identifier on the wireless device. It will be understood that, while a wireless telephone is used to describe one embodiment of the present invention, the wireless device does not have to have voice capability and that any other two-way wireless device may be used.
When the transaction is to be finalized, the total purchase price or transaction amount is displayed on the customer's wireless telephone along with a prompt to accept or reject the transaction. If the transaction is accepted, then customers are further prompted to enter a password or PIN to ensure that they are authorized to make the transaction. This entry of a password or PIN ensures that the person using the wireless device is authorized to do so.
Upon acceptance of the wireless financial transaction, the financial system then charges the transaction amount to a bank account, credit card or other billing means that has been designated by the customer. Also, the transaction amount is credited to an account designated by the merchant.
It is a feature of the present invention to provide a system and method for using a wireless device to complete financial transactions at various point of sale locations.
It is another feature of the present invention to provide a system and method wherein a customer can designate how a wireless financial transaction should be billed. The customer can optionally use funds from a designated bank account, charge the transaction to a credit card or have the transaction billed as part of a wireless or internet service provider's monthly statement. The customer can dynamically change the billing method on a monthly basis or on a transaction-by-transaction basis.
It is an additional feature of the present invention to allow the customer to specify different payment sources for different types of wireless financial transactions.
The foregoing has outlined rather broadly the features and technical advantages of the present invention in order that the detailed description of the invention that follows may be better understood. Additional features and advantages of the invention will be described hereinafter which form the subject of the claims of the invention. It should be appreciated by those skilled in the art that the conception and the specific embodiment disclosed may be readily utilized as a basis for modifying or designing other structures for carrying out the same purposes of the present invention. It should also be realized by those skilled in the art that such equivalent constructions do not depart from the spirit and scope of the invention as set forth in the appended claims.
FIG. 4 is a series of menus that are presented on a wireless telephone display.
FIG. 1 shows system 10 having point of sale terminal 11 at location 100. Point of sale terminal 11 has register 12 for indicating the amount of a customer's purchases. Point of sale terminal 11 is linked to financial gateway 18 via communication link 101. Communication link 101 can be embodied using any means for transmitting information from one location to another, such as a data bus, local area network (LAN), the internet, a dedicated telephone line, a wireless connection or via the customers own wireless device (not shown).
Location 100 can be any point of sale location, such as a grocery store, gas station, vending machine or even an ATM. Depending upon the type of location 100, point of sale terminal 11 will be constructed as appropriate. For example, terminal 11 may be coupled to a cash register, gas pump or vending machine in the same manner in which swipe devices are currently connected to those machines. Depending upon the particular business, point of sale terminal 11 may use register 12 to reflect a final transaction cost or terminal 11 may be used to authorize a device to dispense a product, such as gasoline from a pump or soda from a machine. When, for example, a customer makes a grocery purchase, system 10 will usually know the total transaction cost when the customer accesses the wireless financial system. On the other hand, if the customer is buying gasoline or using a vending machine, the wireless financial system may be used first to authorize the pump (or vending machine) to dispense gas (or soda) and then to confirm the total transaction amount after the customer stops pumping gas (or has received the desired merchandise). In this manner, a person entering a store could use his/her wireless device to indicate his/her presence in the store to the financial transaction system. The user could then authorize purchases of items as they are taken off the shelf or have each item credited to his/her account. For example, a person could use a bar code reader attached to the wireless device, or attached to a shopping cart, to identify specific items and to authorize the purchase of the selected merchandise. When the user leaves the store, his/her account would be charged for the items and the merchant would be paid. This arrangement could eliminate checkout lines in some situations.
Also shown at location 100 is mobile wireless telephone 13 having keypad 14, display 15 and antenna 16. Wireless telephone 13 communicates with wireless network 17 via antenna 16 communicating with cell site antenna 19. In a preferred embodiment, wireless telephone 13 complies with the IS-136 protocol or other wireless communication standards, such as time-division multiple access (TDMA), code division multiple access (CDMA) or frequency division multiplexing (FDM). As discussed above, telephone 13 could be any type of wireless communications device, such as a two-way pager.
Wireless network 17 is connected to financial gateway 18 via communication link 102. Like communication link 101, communication link 102 can be a data bus, local area network (LAN), dedicated telephone line, the internet, a wireless connection or any other means of transmitting data from one location or device to another.
System 10 operates to allow a customer (not shown) to use wireless telephone 13 to purchase goods or services at location 100. After the customer decides on a purchase, the transaction cost is displayed at location 100 on register 12 or alternatively is displayed on display 15 of a wireless device. In other situations, the transaction cost can simply be transmitted to network 17 or financial gateway 18 without display. To complete the transaction and accept the purchase price, the customer uses wireless telephone 13 to access the appropriate financial application within wireless network 17. In a preferred embodiment, the customer dials a specific number that corresponds to wireless financial transactions. The financial application uses information from financial gateway 18 to link a specific wireless telephone 13 to a specific register 12. If the purchase data is being entered at telephone 13, then the financial information is delivered to financial gateway 18 via network 17.
Wireless network 17 can identify wireless telephone 13 by using the mobile number identification (MNI) function. A specific customer can be identified by prompting the customer for a password or PIN. Once the customer and/or wireless telephone 13 are identified, system 10 can verify whether the customer is authorized to make wireless financial transactions, for example, by checking an account balance, verifying the validity of a credit card or some other criteria. Then system 10 proceeds in certain operating environments to identify the specific location 100, terminal 11 and register 12 that is involved in the transaction.
Wireless network 17 is comprised of a number of individual wireless cells. Each cell serves a limited geographic area through antenna 19. System 10 can identify the customer's geographic area by determining which antenna 19 is being used during the customers call on wireless telephone 13. Once the geographic area is identified, system 10 can determine the point of sale locations 100 that are within the identified area. The size of the geographic area will vary depending upon wireless network 17. In most networks, antenna 19 will serve several square miles. In this situation, it is likely that many businesses will be within the area covered by antenna 19. However, future networks may have the capability to use pico cells that will serve a very small area. Pico cells will allow network 17 to place the customer in a very small geographic area and potentially link the customer to a particular point of sale location without additionally input from the user. Thus, a user may simply walk into a store, or walk up to a register, and enter a code in his/her wireless device. The system would then link that user to the register so that the specific transaction data can be entered.
Display 15 on wireless telephone 13 presents the customer with a menu or list of potential sales locations 100. Of course, this menu could be an audible message that is broadcast to the listening user on device 13. The list of businesses can be derived using the geographic area of active antenna 19. For example, the customer could choose a display 15 so that only those point of sale locations within the area served by antenna 19 are displayed. In other cases, display 15 could show all point of sale locations. The customer, using telephone 13, selects the appropriate location 100 from the menu on display 15. Depending upon the size of display 15 and the number of businesses displayed, the customer may have to scroll through one or more menu screens to find a particular point of sale location 100. After selecting the proper location, the customer is then prompted to identify a specific point of sale terminal 11. Again, as discussed above, some or all of these steps can be eliminated as wireless system capabilities are expanded.
In one embodiment, once a particular terminal 11 is identified, the transaction amount on register 12 is transmitted from terminal 11 to financial gateway 18 over connection 101. Financial gateway 18 receives information from all registers 12 on all terminals 11 at all point of sale locations 100. One of the functions of system 10 is match the proper transaction amount from register 12 with the correct customer using wireless telephone 13.
After the customer has identified a particular location 100, financial gateway 18 transfers the register 12 value (received as discussed above) to wireless network 17 over link 102. Wireless network 17 has information from the customer regarding the relationship between telephone 13 and particular point of sale register 12. Wireless network 17 then matches the customer with point of sale register 12 using information from financial gateway 18. The amount shown in register 12 is then transmitted to telephone 13 from network 17 via wireless antennas 19 and 16, for display on screen 15 to the user.
The financial information which was passed from point of sale 11 through financial gateway 18 to wireless network 17 could also be passed using different routes. For example, point of sale terminal 11 could be capable of wireless transmission (not shown) which would allow register 12 information to be transmitted directly to wireless network 17. The transaction amount in register 12 could then be passed via link 102 from wireless network 17 to financial gateway 18 for processing. The information could be passed to gateway 18 via the customer's telephone 13. By using well-known speech recognition (not shown) the transaction amount could be spoken into terminal 13 and decoded at switching center 17 or at gateway 18.
After wireless network 17 sends the transaction amount to wireless telephone 13, the customer can "accept" the displayed amount to complete the sale or "reject" the amount to refuse the transaction. The accept option could be coupled with a password or PIN to verify that an authorized user is making the purchase. The password could vary for different users of telephone 13 or it could be the same for all users of telephone 13, or it could vary by transaction amount or by purchase type.
When the customer accepts the amount displayed, financial gateway 18 acknowledges to terminal 11 that the transaction has been successfully completed. If the customer rejects the transaction, enters the wrong password or does not have sufficient funds, then financial gateway 18 can inform terminal 11 that the transaction has been canceled. In situations when point of sale 100 is not used, then certain codes could be sent to device 13 which in turn would authorize the user to leave the premises with his/her purchases.
For completed transactions, financial gateway 18 arranges for payment to the proprietor of point of sale terminal 11, and arranges for the billing method specified by the customer who owns telephone 13 or who was identified by a password or PIN during the transaction. These payments and billings can be accomplished by any of a number of well known methods. For example, financial gateway could obtain funds from any source designated by the customer, such as a credit card, debit card, bank account or the transaction could appear on the customer's wireless service bill. Once the customer's funds have been identified and obtained, then financial gateway 18 would transfer the funds to an account or other depository designated by the point of sale proprietor. All these transactions are not shown but are implicit in financial gateway 18.
System 20 in FIG. 2 is a typical internet service provider's network 23 connected to a subscriber's personal computer (PC) 21 through connection 201. The subscriber can manage, via internet 23, a personal profile of information for wireless financial transaction system 10. The personal profile would allow a customer to use display 22 to set up and modify his/her predetermined preferences for wireless financial transactions. For example, the customer could specify methods of payment, such as which credit card or bank account is to be used by financial gateway 18 during a wireless financial transaction. The customer could also choose to have wireless transactions billed as part of the wireless service provider's monthly statement. If customers have established or preferred business relationships, they could also identify preferred vendors or point of sale locations 100. This operation could be conducted directly from device 13, either by menu selection or by voice commands.
Financial gateway 18 and wireless network 17 are linked to the customer via internet connections 202 and 203. This allows customers to modify their personal profile on PC 21 and then update their records on financial gateway 18 and wireless network 17 via internet 23. Using the personal profile information, wireless network 17 can select the proper information to provide to the customer during a wireless financial transaction. One use of the personal profile would be to select the list of potential locations 100 that are displayed when the customer initiates a transaction. For example, if the customer has indicated that he/she prefers to shop at a particular chain of grocery stores or gas stations, then wireless network 17 can select the potential point of sale locations based upon the customer's preferences. This would allow the customer to identify a particular point of sale terminal 11 faster thereby increasing the efficiency of system 10.
The customer's personal profile could also be adjusted based upon the frequency of use for certain locations. Typically, shoppers use a certain few businesses the majority of the time. For example, they may shop at the same grocery store or they may use the same neighborhood gas station every week. Financial gateway 18 or wireless network 17 could monitor the statistical use of certain businesses and update customers' personal profiles accordingly. Using this information, the menu of point of sale locations 100 could list the businesses that the customer uses most often before listing other businesses in that geographic area.
Financial gateway 18 can continually track the personal profile information that is provided by the customer at PC 21 using link 202 to internet 23. Financial gateway 18 can also manage customers' transactions on a transaction-by-transaction basis using the personal profile. A memory device or a server (not shown) located at financial gateway 18 could be used to track customer information. Also, financial gateway 18 could use internet 23 to gather information from customers' computer 21 in real-time during a transaction.
For each transaction, financial gateway 18 receives information both from point of sale location 100, such as the transaction amount and the vendor's identity, and from wireless telephone 13, such as the customer's identity. The customer's identity is matched to a specific personal preference record to determine how the transaction will be billed. Once wireless network 17 indicates that the transaction has been completed properly, the merchant will be paid by one of the various methods described by FIG. 3.
In FIG. 3, system 30 shows financial gateway 18 connected to various entities that may be used for transferring funds during a wireless financial transaction. Financial gateway 18 is connected via link 301 to banking network 31 which allows financial gateway to verify account balances and to transfer funds among customer and business bank accounts. Credit card clearing house 32 allows financial gateway 18 to bill wireless transactions to customers' credit cards. Wireless provider's billing system 33 and internet provider's billing system 34 allow financial gateway 18 to bill transactions to the customer's wireless provider or internet provider. These transactions could then be billed to the customer as part of the providers' monthly statement. Block 35 represents any other financial management institutions which may be used to transfer funds as part of a wireless financial transaction. Communications link 301 can be any means of transferring financial information from one location to another.
Customers can set their personal profile to identify the source of payment for various transactions. For example, transactions at a grocery store could be billed to a universal credit card, such as VISA, transactions at a particular gas station could be billed to that company's proprietary or private label credit card and transactions at vending machines could be billed to a bank account for direct reduction.
In another embodiment, the customer can set up a primary payment source for all transactions and a secondary payment source to be used if the primary source is overdrawn or above a credit limit. For example, the customer could designate his bank account as the primary payment source, but if the account balance is below a specified level, then additional wireless transactions could be billed to a credit card.
FIG. 4 shows a typical series of menus for use in the present invention. In the example shown, a customer desires to purchase gas from a particular pump. The customer first dials a number to access the wireless financial service application in wireless network 17. The application receives the call and identifies the calling wireless telephone using MNI. Alternatively, the application could request an identification number from the customer. The application then causes an initial message 400 to be displayed on wireless telephone 13. Message 400 may repeat the number of calling telephone 13, as shown, or the customer's name so that the caller knows that he/she has been identified properly. In other cases, the display may prompt the customer for a password or PIN for identification or to verify the caller's authority to use the financial transaction application.
In addition to identifying the caller, the wireless financial transaction system determines the caller's geographic location by identifying cell site antenna 19 which is communicating with wireless telephone 13. Display 15 then shows menu 401 to the customer. In a preferred embodiment, menu 401 lists several categories of the point of sale locations 100 that fall within the geographic area of the customer's cell site. In other embodiments, the customer's personal profile may cause the display to show all the point of sale locations in all categories or in certain categories without regard to whether they fall within a particular geographic area. These menus, in the preferred embodiment, reside either at switching center 17 or at gateway 18 and are transmitted to device 13.
In the present example, the customer is at a gas station and desires to complete a transaction at a particular pump, so the "Gas Stations" category is selected on menu 401. This causes menu 402 to be displayed. The customer then selects a particular chain of gas stations to get menu 403 which shows the street addresses for that vendor's gas stations. The information in menu 403 may list a specific street address or it may list an intersection where a particular gas station is located. It will be understood that specific locations 100 can be identified in any number of ways in addition to the vendor's address.
After identifying a particular gas station, the customer then selects the correct gas pump from menu 404. Concurrently, the gas station provides information to financial gateway 18 regarding the transaction amounts for the gas provided at each pump. This corresponds to register 12 in FIG. 1. Once the customer has identified a specific pump, financial gateway transmits the transaction cost to wireless telephone 13. In menu 405, this amount is displayed for the customer and he/she is prompted to accept or reject the transaction by selecting a particular button on keypad 14. If the transaction amount is correct and the customer accepts the transaction, he/she may be further prompted to enter a PIN or password in menu 406 to verify that he/she is authorized to make the transaction. Upon entering the correct PIN, the transaction is completed and financial gateway 18 charges the transaction cost to the account, credit card or other entity specified by the customer's personal profile.
The menus described above can be modified to present almost any sequence of information to the customer. In one embodiment, the customer could select "Point of Sale ID" from menu 401. This would present menu 407 which prompts the customer for the identifier of a specific point of sale terminal 11. For example, a unique number assigned to gas pump #3 at the gas station selected above, such as 9999. After the customer enters the terminal's identifier, the menu display could jump immediately to menu 405 where the customer is shown the transaction amount for that specific point of sale terminal 11 and asked to accept or reject the transaction. This would reduce the number of menus and increase the efficiency of system 10.
It will be understood that the above described menu arrangement can also be used to locate businesses that are members of the present wireless financial system. For example, if a potential customer needed gas and desired to make a wireless financial transaction to purchase the gas, then by following the sequence in FIG. 4 to display menu 403, the customer would receive a list of nearby gas stations that accept wireless financial transactions. In other embodiments, menu 403 could be modified to show all gas stations (or other business categories) in a certain geographic area. If there are no business of a certain category within the potential customer's geographic area, then menu 403 could display the closest business of that type.
Although the above examples often use grocery stores and gas stations, it will be understood that the present invention can be used with any retail store or other point of sale location. Furthermore, the present wireless financial transaction system could be used to pay any bill, such as a mortgage payment, utility bill, tax bill, tuition or other loan. The vendor, institution or other entity that sends the bill could participate in a wireless financial system by using a unique identifier for each bill or required payment. The bill or payment that is due could be selected by the customer in the same manner that a point of sale location is selected and the customer could use the personal profile to designate the source of funds to satisfy the bill or payment obligation that is due.
The system could be used to keep the user's checkbook, thereby allowing the user, while at home or while roaming, to pay bills and maintain his/her financial accounts. In this respect, a linkage to a brokerage house could display the user's investments and allow for selling or buying such investments.
In addition, the system could be used by a customer for comparison shopping simply by entering an item identifier and the amount and the system could respond with other known prices. The system could even display product specifications from a database.
charging the correlated transaction amount to a source of funds identified by the user to allow completion of the desired transaction.
receiving approval of said transaction amount from the user via the wireless device.
3. The method of claim 1 wherein the users identify potential sources of funds before the desired transaction occurs by configuring a user profile.
4. The method of claim 1 wherein a source of funds that is to be used for a particular transaction is selected from the user profile by the user during the transaction.
DE10002032A1 (en) * 2000-01-19 2001-07-26 Siemens Ag Method for making cashless payment with a mobile telephone dials a computer for authorisation while identifying a person sending payment and allowing the entry of a money amount via the mobile telephone keypad with an ID number.
DE10003017A1 (en) * 2000-01-25 2001-07-26 Andreas Seidel Mobile data transmission-receiver appliance for cashless payment transactions accepts receiver data and payment transaction data with a storage medium to store payment transaction data and transmitter-related data.
ES2166313B1 (en) * 2000-02-18 2003-06-16 Europ Network Economy S L Authentication system mobile phones.
ES2170647B2 (en) * 2000-03-24 2003-09-16 Mobipay Espana S A Procedure and payment system and remote transactions in real time via mobile phone.
ITFI20120177A1 (en) * 2012-09-10 2014-03-11 Gilbarco Srl of sale system by means of automatic vending machines with payment made by means of portable communication devices.
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