| THE ROYAL BANK OF SCOTLAND PLC Patent applications |
| Patent application number | Title | Published |
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| 20110208671 | INVESTMENT SYSTEM AND METHOD - A computer implemented investment method comprises: financing an investor with a limited-recourse loan to make an investment in a security, the investment having an underlying investment strategy, which is to be applied over a plurality of investment periods, and periodic investment exit points; for each period of the investment, calculating a payment, which is payable by the investor in order to remain invested in the investment; investing during each period according the underlying investment strategy; calculating: a first redemption value if the investor exits at an exit point before the end of a final period, the value at least in part determined by the performance of the investment up to the point of exit; or a second redemption value if the investor remains invested over all periods, the value at least in part determined by the performance of the investment up to the end of the final period; and determining a redemption payment to the investor according to the respective redemption value and the loan amount. | 08-25-2011 |
| 20110125600 | SYSTEM AND METHOD OF PROVIDING FUEL - Disclosed is a computer implemented method comprising the steps of calculating a fuel entitlement price, which is valid for a first order time period; receiving within the first order time period an order signal representing a first order by a customer for a fuel entitlement volume at the entitlement price, and accepting the first order, wherein the entitlement volume entitles the customer to take delivery from one or more of a plurality of filling stations, within a first entitlement time period, of a volume of fuel, in the aggregate, up to the entitlement volume, the first entitlement time period extending beyond the first order time period; updating a fuel entitlement balance of the customer to reflect the first order and the first entitlement time period; and updating the fuel entitlement balance of the customer in response to receipt of data indicating that the customer has taken delivery of a volume of fuel from a filling station. | 05-26-2011 |
| 20110062242 | PROCESSOR CARD ARRANGEMENT - Disclosed is a processor card arrangement comprising a first portion and a second portion capable of being moved relative to one another between a first configuration and a second configuration resulting in the processor card switching between a first state and a second state, wherein when in said first state, the processor card arrangement is operable to perform at least one function and, when in said second state, the processor card arrangement it is not operable to perform said at least one function. According to some embodiments of the invention the dimensions of said processor card arrangement are substantially the same when in the first configuration and when in the second configuration. | 03-17-2011 |
| 20100270370 | METHOD AND SYSTEM FOR CONTROLLING SMARTCARDS - This invention relates to a method and system for controlling smartcards which are capable of audiovisual output. Data stored remotely from the smartcard can be monitored for indication of a predetermined criterion and/or change in status of an account associated with the smartcard, for example indication of a certain level of funds in a smartcard user's bank account. A control signal can then be communicated to the smartcard for controlling the update of audiovisual output from the smartcard. The control signal can thus be communicated to the smartcard in response to a trigger generated externally of the smartcard. Data relating to audiovisual output of the smartcard may be stored on the smartcard itself, in which case the control signal may indicate to the smartcard to update its audiovisual output according to audiovisual data already present on the smartcard. | 10-28-2010 |
| 20100249955 | RESOURCE CONSUMPTION CONTROL APPARATUS AND METHODS - A resource consumption management system for an environment measures resource use and occupancy and data is accessible via a graphical user interface that can show the contribution made by individuals. A location system tracks the location of individuals in the environment. Individuals are able to log preference values for the level at which resource consuming devices are running and those preference values are taken into account by a building management system in controlling the resource consuming devices at the tracked location of the individuals. Where the resource is energy, the system can show an individual the real time carbon footprint of energy usage in the environment at an individual level. Further, comparisons can be made between an environment and a reference measure of resource consumption such as that of another floor or another building. | 09-30-2010 |
| 20100145852 | METHODS AND SYSTEMS FOR MANAGING LOSS OR THEFT OF ATM CARDS - Embodiments of the present invention relate to ways of processing the loss or theft of a an ATM card or the like including: reporting to a card provider that the card has been lost or stolen; authenticating the reported loss or theft and restricting the subsequent use of the card; and issuing a cash withdrawal code, which is usable for withdrawing an agreed amount of emergency cash from a cash dispensing machine without•requiring the use of a cash dispensing card, and storing the cash withdrawal code. Embodiments of the present invention thereby enable the card holder to withdraw cash in a situation where they may otherwise be without the facility to obtain cash while limiting or preventing the ability for anyone to misuse the card that has been reported as lost or stolen. Generating of issuing a PIN or code after the card was stolen or loss of said card. | 06-10-2010 |
