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|Print edition Money
Page 3B
BellSouth deal faces FCC fight
By Paul Davidson
Democrats on the Federal Communications Commission said Wednesday that they would push for significant conditions on AT&T's purchase of BellSouth after the Justice Department cleared the deal with no requirements.
The FCC is scheduled to consider the $78.5 billion deal Friday, but the vote could be delayed if the agency's two Democrats and two Republicans cannot reach a consensus. Republican Chairman Kevin Martin has recommended approval of the merger with no conditions.
�The Justice Department has packed its bags and walked out on consumers and small businesses,� says FCC Democratic Commissioner Michael Copps. He added, �It's all the more important for the FCC to ensure that consumer interests have a seat at the table.�
A third Republican commissioner, Robert McDowell, has said he will recuse himself from voting because he formerly worked for a group that opposed the deal. But Martin could still ask him to vote if he deems it in the public interest to break the stalemate.
Justice antitrust chief Thomas Barnett said the deal was approved with no divestitures because it's �not likely to reduce competition substantially.� Justice has cited the emergence of cable companies' Internet-based phone services and wireless among the new low-cost rivals to the big phone companies.
But Gene Kimmelman of Consumers Union says such services have limitations, adding that AT&T and BellSouth could have competed with each other.
Justice's �rubber stamp on this merger suggests (it) has thrown in the towel on competition between the Bell phone companies,� Kimmelman says.
The merger, he says, dashes hopes that BellSouth would use spectrum it owns to offer wireless broadband services that might compete against AT&T in its region. Among other conditions, FCC Democrats could press AT&T-BellSouth to sell BellSouth's spectrum.
The FCC also could require the new company to sell or lease lines in about 30 buildings in which both AT&T and BellSouth are the only providers serving big businesses. Justice imposed a similar requirement in the SBC-AT&T and Verizon-MCI mergers because of duplicate facilities in several hundred buildings.
A federal judge is reviewing the settlements Justice reached with the companies in those mergers after suggesting the requirements did not go far enough.
FCC Democrat Jonathan Adelstein says it appears Justice did not impose such conditions on the AT&T-BellSouth merger �to avoid further court scrutiny.�
Barnett said Justice's review was based on an extensive investigation of the impact of the deal.
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Reported comments and users are reviewed by Autoblog staff 24 hours a day, seven days a week to determine whether they violate Community Guideline. Accounts are penalized for Community Guidelines violations and serious or repeated violations can lead to account termination.
Honda has pulled the sheet on the redesigned Crosstour here in LA, showing a car that is more refined, perhaps, than the outgoing model, but still not exactly what we'd call "a looker."
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San Francisco, CAUSA
San Francisco
October 23, 2012
No introduction yet
About us…
This group focuses on teaching anyone, anywhere in the world how to build web software with ruby and javascript. We host in person and remote meetups that focus on writing code and getting professional quality feedback on code. If you want to teach people how to code or are interested in learning how to code from the founders of CodeUnion.io, this is the place for you :)
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The Techie Test
Tests others are taking
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The will you get laid tonight Test
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Connect your existing OkCupid account
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meeting new people.
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Blogs Home
home feed
with Tags: acm X
- Sort by:
- Date
- Title ▲
- Likes/Votes
- Comments
- Visits
360 Degree view of Advanced Case Management at IOD2012 Community Blog
Sanjay Kupae email@example.com Tags: acm iod2012 1,416 Visits
Guest Blogger: Michael Pray - Director, Worldwide Sales, Advanced Case Management, ECM IBM Information OnDemand (IOD) Global Conference 2012 comes with big promises for all of us. Kicking off on Sunday, Oct 21 we will be showcasing some...
from Blog: The Worldwide IBM ECM Community
A monitored world...in advance
Sanjay Panikkar firstname.lastname@example.com Tags: acm advanced condition monitoring 925 Visits
Products getting connected and talking to each other will, I daresay, soon become the norm in electronics and other industries. What's next? Of what use is all that connectedness and the big data that's certain to emerge from it? One area where we see a...
from Blog: Electronics
Activate Business Opportunities with Advanced Case Management
Mary Williams email@example.com Tags: management acm case 1,597 Visits
Activate Business Opportunities with Advanced Case Management Join in on the Content in Motion webcast series for business partners. Activate new business opportunities with Advanced Case Management. Gain new insights to help...
from Blog: ECM eConnection
Advanced Case Management and BPM: Are they the same?
David Yockelson email@example.com Tags: advanced acm ecm case bpm management 4 Comments 3,798 Visits
Feedback from customers about IBM 's advanced case management strategy launch has been tremendous and positive. One of the key questions from our clients is 'what is the difference between ACM and BPM? Are they same? And if not, how are they aligned? ...
from Blog: Advanced Case Management
Content and Process – how to differentiate Case Manager use cases from IBM BPM
Himangshu Baruah email@example.com Tags: bpm smarter_process ibm_case_manager acm ibm_bpm 1,814 Visits
Guest blog by Michael Green, Offering lead - IBM Case Manager How much easier it all would be if all software products fit into nicely...Modified by Himangshu Baruah email@example.com
Draft RedBook: Advanced Case Management with IBM Case Manager
Aleksander W. Oleszkiewicz firstname.lastname@example.com Tags: case-management acm icm ecm 1,536 Visits
This IBM Redbooks® publication introduces the case management concept. It includes the reason for and benefits of case management, and why it is different from the traditional business process management or content management. In addition, this book...
from Blog: CEE Industry Solutions Software Channel Blog
ECM at HIMSS 2012
HIMSS is only a few days away – have you finished planning your schedule? IBM has so much to choose from that we hope you'll include us in your plans! ECM has some fantastic things to offer your organization and we're proud to demonstrate...
ECM at Impact
Having a great time at Impact? We are too and we have a few more items for you to add to your schedule (using the online agenda builder, of course!). Be sure to visit IBM ECM at pedestal BD-4, where you can learn more about Advanced Case Management and...
Four Paths To Case Success! Community Blog
Sanjay Kupae email@example.com Tags: acm iod2012 case 2,156 Visits
Guest post by David Caldeira , Director ECM Products and Strategy, IBM Case solutions support knowledge workers charged with achieving the best outcomes for their specific business operations. These solutions require...
from Blog: The Worldwide IBM ECM Community
How IBM Case Manager Differs from IBM BPM for Advanced Case Management
Himangshu Baruah firstname.lastname@example.com Tags: ibm_case_manager acm impact_2013 ecm 1,799 Visits
Guest Blog by Michael Green, Offering Team Lead, FileNet BPM IBM Case Manager (ICM) shares with IBM BPM the ability to design a case workflow and build business rules to automate certain aspects of that workflow. However, there are a number of...


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37 Suppliers
Deal sin exporting and supplying of books, economics books, econometrics books, economic conditions books, infrastructure books, economics history books along with accounting books and management books.
No. 19, Ansari Road, Daryaganj,
New Delhi - 110 002, Delhi
Wholesale supplier and seller of books, economic books, indian economy books, engineering books, business & commerce books, books on ecology and environment, construction and civil engineering books.
C-9, Connaught Place,
New Delhi - 110001, Delhi
Leading manufacturer & supplier of economics books, economics book, business studies books & management books from India.
B, Opera Plaza, Opposite M. C. C. Bank, Shanti Nagar, Nandigudda,
Mangalore - 575005, Karnataka
Manufacturer of economics book which include repayment book, regional rural banks (RRBS), research methodology in plant sciences & development of fishery sector: problems prospects.
No. 4658-A, Ambika Bhawan, 1st Floor 21, Ansari Road, Darya Ganj,
New Delhi - 110002, Delhi
Supplier of target cbse economics (class - xi) 1st edition, e for economic book 10, target economics for class xi, environmental education (book - 9) & economics book.
No. 134- 2, 6th Ward, Opposite A.P.M.C Yard,
Bellary - 583101, Karnataka
Leading exporter & Trader of Economics Books like Economic Theory, Elements of Statistics, Economic and Social Environment, Managerial Economics, Industrial Development in India, Fundamentals of Economics.
No. 2525/193, 1st Floor, Onkar Nagar- A, Tri Nagar, Tota Ram Bazar, Landmark Kanhaiya Nagar Metro Station,
Delhi - 110035, Delhi
Exporter and supplier of economics books. Also offering scholarly books on humanities, social science, information technology, education, history books, defence, encyclopaedia, political science and anthropology.
Gyan Kunj, No. 23, Main Ansari Road, Daryaganj,
Delhi - 110002, Delhi
Manufacturer of economics books.
No. 2603, Nai Sarak,
New Delhi - 110006, Delhi
Retailer of economics book.
Galaxy Plaza (Amul), 131, New Haridwar, Opp. Water Tank Near Shri Chandracharya Chowk,
Haridwar - 249401, Uttarakhand
Supplier & distributor of indian books. Also offering encyclopedia & reference books, home science books, industrial books, management books & medical books.
Prabhukrupa, No. 184/1, Jain Society, Sion Main Road, Sion West,
Mumbai - 400022, Maharashtra
Manufacturer of higher secondary business economics book.
Hospital Road,
Agra - 282003, Uttar Pradesh
Engaged in supplying of economics books, politics books, history books, music books, Buddhism books, philosophy books, archeology books, Nepal studies, South Asian studies, spiritual books, religious books and cultural books.
F-7,Manish Chambers,4 Lsl,Surajmal Vihar,
New Delhi - 110092, Delhi
Supplier of economics book such as microeconomics books, macroeconomics books, managerial economics books, intermediate economics books, indian economics books, monetary economics books, modern economics books.
62/1, Ber Sarai, Opposite J. N. U. Old Campus,
New Delhi - 110016, Delhi
Trader of economic theory books, international economics book and macro economic book.
13, 4th Main Road, Ganganagar Extension,
Bengaluru - 560032, Karnataka
Retailer of economics books.
No. 25, Khernagar, Bandra East,
Mumbai - 400 051, Maharashtra
Retailer of economics book.
Survey No 2, Shree Laxmi Building, Vegetable Market Road, Yerwada,
Pune - 411006, Maharashtra
Trading economic books.
House No. 11, Street No. 15, Main Market, Sant Nagar,
Delhi - 110084, Delhi
Trader of economics books.
No. 9, Shayama Charan Dey Street,
Kolkata - 700 073, West Bengal
Trader of economics book.
F-1/164, Catra Koop Semem, Near Vaishali Nagar,
Jaipur - 302021, Rajasthan
Trader of economics books.
No. 103 C, Sitaram Ghosh Street,
Kolkata - 700 009, West Bengal


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Requires merchant account. Supports: Authorize.net, Quantum, Merchant Plus, NMI and PayPal.
Credit Card Validation
From the card number it is possible to derive the issuer and whether the card is valid.
The following cards are covered:
Master Card
Diners Club
Visa Electron
American Express
Diners Club International
Diners Club - USA & Canada
Note: This is not necessarily the active status of the card.
Credit Card Swiper
Simple merchant account set up:
1. Download app
2. Sign up and receive free card reader
3. Start accepting credit cards
Our Features:
1. Next day funding
2. Accept and track Credit, Debit, Cash and Check
3. Calculates tax rate
4. Allow customers to include tip
5. Text or Email receipts
6. View all sales at a glance
7. Export data to excel
8. Easily track items
Use your phone and merchant account to accept your customer's credit cards. No more bad checks, enter info and get paid. Works anywhere with network connection.
Requires merchant account. Supports: Authorize.net, Quantum, Merchant Plus, NMI and PayPal.
Credit Card Manager
1. Add/delete/edit credit card purchase and payment
2. Show transactions by statement, day, week, month and year
3. Show credit limit, available balance and new balance
4. Display categories of purchase in pie chart (require internet)
5. Transaction report in csv, html and excel xml
6. Export/Email transaction report
7. Backup and restore database to SD card, Dropbox™ and Google Docs
8. Auto backup database to SD card when exiting the app
9. Auto backup database to Dropbox™ when exiting the app
10. Support your country currency
11. Configurable first day of week
12. Configurable date format
13. Email credit card record
14. Password protection
15. Add new record with default value
16. Default email address for receiving report
17. Camera receipt
18. Sorting, Filtering data
19. Share database with multiple devices by using Dropbox™
20. More...
※ If you like the app, then please give us a good rating as the driving force behind our continued development, thank you.
※ Since we can't reply reviews in the market, if you have any suggestions or questions please mail to our mailbox directly. For market reviews, please just leave your rating and cheers, thanks again.
kw: credit card expense tracker, tracking credit card, credit card tracker, finance manager, personal finance, track, expense, expenses, credit card
Credit Card TransactionManager
Credit Card Transaction Manager is an application that makes easy to manage your credit cards.
You can track your finances by storing all transactions made by credit card or cash:
1)Generic Payment
2)Online Payment
3)ATM Transaction
Key Features of the application:
1. Add/delete/edit transaction
1. Add/delete/edit credit card
2. Add photos of receipts / bills
3. Retrieve the current exchange rate between the default currency and the currency used for current payment (via YAHOO FINANCE)
4. Recovery the current position where the transaction is inserted.
5. Browsing the notes inserted, and consultation of a summary of costs.
6. Export to EXCEL file of the notes (with the attached images, and summary of costs) that can be sent by mail or can be saved in a folder.
Check Credit Card
Not internet connection required.
Just check the validity of the number.
Credit Card Validator
This application does not collect, store and especially will not send entered card number.
Supported card types:
- Visa
- MasterCard
- Amex
- BankCard
- Dankort
- DinersClub
- Discover
- Switch/Solo
Credit & Debit Card Rewards
Identify your best card for every payment you make, and see how much you will save if you were to pay using that card. This is based on several factors, including how you earn and redeem reward points on your cards, and special offers on them.
Just indicate how much you're paying, and where. Cardback will save you the trouble of doing complicated calculations before every payment.
Prominent Features:
• Works at restaurants, cafes, petrol pumps, supermarkets, departmental stores, electronics stores, apparel stores, spas, salons, parlors, online e-commerce websites, flight ticket booking sites, railway ticket booking sites, movies, plays, sports matches ticket booking sites, bill payment websites and a lot of other places.
• Unlock benefits even if no offer is available when you are paying.
• No card numbers needed. The bank name, type and full name of your cards is enough.
• Support for over 600 cards including credit, debit, prepaid and loyalty cards across 10 major banks and card providers.
• Personalized and intelligent - relevant information only.
• Location aware - detects your location and helps explore places around you.
• Automatic notifications when you go to malls and markets.
• Works even if you hold just one card.
• In-depth information about reward points, EMI and cashback schemes, and other deals, offers, discounts and benefits on your cards
Supported banks: HDFC, ICICI, Kotak Mahindra, Citibank, State Bank of India (SBI), Axis Bank, Standard Chartered, American Express (Amex)
Currently works best in Delhi, Noida, Gurgaon, Faridabad, Mumbai and Bengaluru.
1. Precise location (GPS and network-based): to identify your current location, so that you can explore places around you
2. Full network access: to access the internet on your phone which is critical for our app to function.
3. View network connections: same as point 2
4. Receive data from Internet: same as point 2
5. Read phone status and identity: to identify the screen size and resolution of your phone (not phone number or other sensitive information), so that we can optimize the app for your phone's screen size and resolution. Please be rest assured that this permission doesn't give access to your passwords, contact lists or phone numbers stored on your phone.
6. Modify or delete the contents of your USB storage: to create a temporary cache of data received from our servers. This enhances your user experience and makes subsequent usages faster. Please be rest assured that we will NOT delete anything from your SD card!
7. Find accounts on the device: to show you a list of your email addresses to ease out your signup process. You will never have to enter any passwords in Cardback. Signing up is as simple as tapping on an email address of yours, and we don't store any other email address apart from the one you tap on. Please be rest assured that this permission doesn't give access to your passwords, contact lists or phone numbers stored on your phone.
8. Test access to protected storage: to allow you to transfer Cardback to your SD card. Without this permission, Cardback will always stay on your phone's internal memory, which may not be desirable for phones with lower internal memory. Please be rest assured that this permission doesn't give us any access to protected memory locations on your phone!
9. Control vibration: to send you push notifications about benefits running on your cards. Please be rest assured that taking this permission does not imply that our app will drain out your phone's battery. It will only use your phone's battery when we send you a notification.
10. Prevent device from sleeping: same as point 9
11. System tools - to automatically start at boot, get running tasks: This is needed in order to notify you about the offers, even when the app is in background.
Credit Card Calculator
Mobile Credit Card
This application will be able to pay several of services such as bill payment dtac - Trinet, Utility bill MEA - MWA,
Top up airtime 1 2 call - dtac happy - true move,
Purchasing digital content itune gift card - skype - google play,
Game card topup ex. A cash - cookies - cubi card - D cash - Digicash - Enmo - facebook games card - Fun cash - G card - GameIndy - Garena shell - G cash - Jam card - MCoins - MOLPoint - N cash - Onenet - SNSnet - Thookdee - TollD 7in1 - V Gold - Winter - Zest Card - One2Call -TollD Puen Bann,
Online shopping/e-commerce, purchasing SF movie ticket, offline payment, etc.
with world class security standard (3D secure with certified PCI-DSS solution). The credit card details will be concealed. Just only personal mPIN required for payment any transactions. Easy Fast and more Secure.
โมบาย เครดิต การ์ด เป็นอีกหนึ่งในแอพพลิเคชั่นการชำระเงิน จากเพย์สบาย ที่อนุญาตให้ผู้ใช้บริการสามารถผูกบัตรเครดิต (สูงสุด 3 ใบ) กับแอพพลิเคชั่นและสมาร์ทโฟน เพื่อใช้ชำระค่าสินค้าและบริการมากมาย เช่น จ่ายบิล เติมเงินค่าโทร ซื้อดิจิทัลคอนเทนต์ ซื้อสินค้าออนไลน์และออฟไลน์ ซื้อตั๋วหนัง และอื่นๆ ด้วยมาตรฐานความปลอดภัยที่ทั่วโลกยอมรับ (3D secure with certified PCI-DSS solution) ข้อมูลบัตรเครดิตของผู้ใช้บริการจะไม่ถูกเปิดเผยอีกต่อไป แค่ใช้รหัสลับส่วนตัว (mPIN) ในการทำรายการเท่านั้น. ง่าย เร็ว และปลอดภัยกว่า
Banking card reader NFC (EMV)
This application is an analysis tool for reading contactless NFC EMV credit cards data.
In some new EMV card, holder name and the transaction history have been removed by issuer to protect privacy.
Be sure your card is NFC compliant (NFC logo printed on them).
This app is not a payment app and does not contain ads.
Send me your card log and an email if you find an issue with this app.
• In-App purchases are only present for donation.
• This app doesn't access to Internet (No Internet permission).
• This app doesn't store any data on the file system.
• Sources available on Github https://github.com/devnied/EMV-NFC-Paycard-Enrollment
Compatible EMV cards:
• Visa
• American Express
• MasterCard
• LINK (UK) ATM network
• CB (France)
• Dankort (Denmark)
• CoGeBan (Italy)
• Banrisul (Brazil)
• Saudi Payments Network (Saudi Arabia)
• Interac (Canada)
• Discover Card
• UnionPay
• Zentraler Kreditausschuss (Germany)
• Euro Alliance of Payment Schemes (Italy)
• Verve (Nigeria)
• The Exchange Network ATM Network
• RuPay (India)
• ПРО100 (Russia)
Expense Tracker - Cards, Bills
➡ Walnut provides intuitive visualisations and smart insights on your expenses
➡ No bank accounts or passwords required. Track Debit and Credit Cards, bills, movie tickets and a lot more auto-magically!
➡ It keeps track of your monthly ATM withdrawals so you don't pay overuse fees
➡ Never forget to pay a bill on time! Walnut will remind you of pending bills
➡ Walnut analyses your SMS inbox to surface important information like bills and tickets.
➡ Make your own custom categories to track expenses and quickly add cash spent too
➡ Add notes, tags and bill/receipt photos to transactions
➡ Easily search for expenses, tags or notes
➡ Lookup information on places you visit and share with friends and social networks
➡ See all your SMS offers together in one place (beta)
➡ Walnut does not read your personal SMSs or upload any sensitive data, see http://www.getwalnut.com/faq for more details
➡ Walnut consolidates all business messages into a better view: no more LM-, DM-, AM- messages scattered in several places. Walnut even knows related senders and keeps all those messages together to make your life easier!
➡ Save time and money with this smart personal assistant app that just works!
➡ Report your bank, card or any interesting messages right from within the app! We will quickly add support for these
➡ Google Play Store's essential app for India and proudly made in India 🇮🇳
1. HDFC Bank, debit and credit cards
2. Axis Bank, debit and credit cards
3. ICICI Bank, debit and credit cards
4. SBI, debit and credit cards
5. Citibank, debit and credit cards
6. Yes Bank debit cards
7. IDBI Bank and debit cards
8. Kotak Mahindra Bank debit and credit cards
9. IndusInd Bank, debit and credit cards
10. Punjab National Bank debit and credit card
11. Union Bank of India and debit cards
12. Bank of Baroda, debit and credit cards
13. Canara Bank, debit and credit cards
14. TATA credit card
15. Vodafone, Idea, Airtel
16. BookMyShow, Ola Cabs
...and lots more to come.
Expense management, bill tracking, bill reminders? Walnut has you covered!
"Walnut – The Auto-magic Personal Assistant" http://www.nextbigwhat.com/walnut-auto-magic-personal-assistant-297/
"Do you think SMS is dead? Walnut will make you reconsider" http://yourstory.com/2014/10/sms-startups-tbox-walnut/
"Walnut Wants To Be The Passbook & Booking App For Android Devices" http://inc42.com/startups/walnut/
Note: Some XIAOMI users may need to add Walnut to device Autostart list by navigating to "Settings->Security->Permissions->Autostart", scrolling down and selecting 'Walnut'
Credit Card Payoff Calculator
A simple application that shows your credit card pay off details
You can:
* Add multiple in-app credit card accounts
* Select from three different pay off methods
* See when you will be credit card debt free
* View how much interest you will be expected to pay
* Manage your in-app credit card accounts
Please let me know if you have any requests or find any problems or bugs.
Some technical details:
* Minimum payment is calculated by taking 1% of the balance and adding the total accrued interest for that month. Many credit card companies use this method for calculating the minimum payment. However, be aware that some use other methods, so always make sure that you at least pay the minimum on your statement.
* Minimum payment exception: if the calculated minimum payment is below the absolute minimum payment which you can select when you add your account, then the absolute minimum payment will become your minimum payment. Once again, never pay below the minimum payment in your statement.
* All balances are compounded monthly for interest calculations
* There is no grace period, so an interest will be accrued starting the first month
* Interest Weighted Average - this is a payment method that allocates your budget based on the weight of interest accrued. For example, a card that accounts for twice the amount of interest calculated, will give or take twice the amount of the budget allocated. This method will bring down your debt balance of your cards as evenly as possible while trying to minimise the total interest paid.
Card 2 Card
Card 2 Card app provides convenient and secure way for instant money transfer. It's as easy as handing out money face-to-face.
Transfer money from any card to any card (issued by Russian bank), save your bank card, track the history of transfers, receive receipts about your transfer to e-mail.
It's safe! Transfers are made in accordance to the official standards of the international payment systems.
Card data is secured from stealing all the way during the transaction.
Innovative and intuitive app interface allows to make money transfers with just few taps.
You can easily scan card data with your phone camera. Does your phone have NFC? Touch the card by phone to read the card details.
Transfer money between your cards, send money to family and colleagues or pay the loans. Card 2 Card is all you need!
No fees for transfers between Tinkoff bank cards. No fees for transfers from any cards (issued by Russian bank) to Tinkoff credit cards.
The service is provided by "Tinkoff Bank" (JCS).
License №2673.
Coles Credit Card App
With the Coles Credit Card App, our new mobile banking and loyalty app, as a Coles Credit Card customer you can manage your account 24 hours a day with access to your account balance, available credit and transaction history.
You can also view your flybuys account points balance and access and activate a great range of exclusive flybuys offers. Plus, use the app to request your Coles Pay Tag, as well as turn it on and off.
Coles Mobile Wallet - the smart way to pay, that's quick, secure and simple to use. Plus, it's free.
• Login securely with your Coles Credit Card Online Service Centre username and password (www.colescreditcards.com.au)
• Manage your account 24/7 using your 4 digit Access Code
• Check your current balance, available credit, pending transactions and account summary
• Retrieve up to 12 months of transaction history and search loaded transactions
• View your flybuys account points balance
• Access and activate exclusive flybuys offers
• Use Quick View to see your card and flybuys points balances
• Request your Coles Pay Tag, and turn it on and off for added security
• Apply for a Credit Card from the App
• Notification of the availability of new app versions
This app is available for existing, primary Coles Credit Card cardholders.
Already registered for the Coles Credit Card Online Service Centre with a valid username and password?
- Download the app and login.
Not registered for the Coles Credit Card Online Service Center, but have a Coles Credit Card?
- Register at https://online.colesmastercard.com.au/access/registration and then download the app.
Want to apply for a Coles Credit Card so that you can use the Coles Credit Card App?
- Apply at www.colescreditcards.com.au.
Find out more at www.colescreditcards.com.au.
Coles Pay Tag is a trademark of Coles Group Ltd. Use of Coles Pay Tag is governed by the Coles MasterCard Credit Contract Conditions of use. Coles is a registered trademark of Coles Supermarkets Australia Pty Ltd. MasterCard® and the MasterCard brand mark are registered trademarks and PayPass is the trademark of MasterCard International Incorporated. Credit facility provided by Wesfarmers Finance Pty Ltd (ABN 58 601 282 455, Australian Credit Licence number 470916), trading as Wesfarmers Finance Pty Ltd.
My Credit Cards
My Credit Cards will store all information related to your credit card on your android phone by automatically understanding the messages that the banks send to you without fail! Everytime you carry out a transaction or make a payment or a bill is generated for your credit card, your bank sends you a SMS informing you of that. Now, ourselves, with all thats going on in our lives and so many cards that we own anyway, it's next to impossible to keep a track of all this. They serve as good updates, but the only way for us to find out what our current unbilled is or how much payment needs to be made this month or anything else, the only way to do it maintain a ledger somewhere.
My Credit Cards simplifies all this. My Credit Cards reads these SMS, understands them and collates them in one place - on your android phone.
How does this work?
By itself! :)
On a more serious note, here's a description of how it works:
- It reads incoming SMS (on installation / update, it will read SMSs in your inbox)
- It sends the SMS to our server (This is a point of contention, we understand, hence, we've given our thought process below)
- The server understands the SMS and reverts with the key information from it
- The mobile application receives this information, performs the relevant tasks and stores the information on a local database
Thats it! Whenever you open the app, all information about your credit card is organized and waiting for you...
Which Credit Cards work with this app?
Currently, we support the following banks:
- HDFC Bank
- Citibank
- ICICI Bank
- IndusInd Bank
- American Express
- Standard Chartered (Regular / Manhattan)
- American Express
- Axis Bank
We'll keep expanding this portfolio of supported cards - thanks to our policy of processing the SMS online on our server.
Why do we send your SMSs to our server?
First off, we never store / read any of your personal SMS.
Our objective : To provide a consistent and un-broken experience for our customers.
The problems :
1. Banks keep changing their SMS formats
2. Every bank sends 4-5 different kinds of SMSs - for transactions, for payments, for bill generation and then there are variations amongst these. Multiply that with the number of banks and we have a huge no of possibilities. Also, these are ever-changing possibiliities.
Our solution : We maintain the various "parsers" (a SMS format) on our server so that we can keep them updated. In which case, all the app needs to do is, send the SMS to the server and it will always know what to do with it.
Do we store any personal information about you?
No. At no point in time can we identify you with any personal information like your name, mobile no, your complete credit card no or your email address. The application generates a unique identifier on your phone the first time you run it and that is the only identification token that we have.
Credit Cards - Compare
Best app to compare and apply for Credit Card (Amex, Master Card, Visa, Chase)
Silver is an award-winning mobile application that helps you the best cards in seconds, get all the details you need, and even let you apply directly from your mobile device. With Silver, you stay on top of your credit cards, so you never miss a renewal or get hit with annual fee & interest fees again.
Silver provides millions of consumers with the best credit card they need and access to the right tools to help them find out the everyday cost savings of having the best possible credit by offering personalized savings recommendations for credit cards from our financial experts. It also provides financial education and access to free tools that empower consumers to take charge of their financial health.
It's the best way to earn more rewards, travel miles and unique perks with your credit card!
Exclusive Features of Silver:
• Our simple quiz to help you find the right card for you
• Get analysis of your existing credit cards
• Save money and earn additional rewards by applying for a new balance transfer or rewards credit card
• Save money with our personalized unbiased recommendations from our credit cards experts
• The best deals available on the market: rewards, cashback, no annual fee, best balance transfer and even more!
• Fast filtering options: APR, annual fee, credit score,…
• Silver keeps your credit cards & budget in check
• Call in one tap the customer service of your favorite credit card if you have any question
• Save more money, earn more rewards and avoid paying extra annual fees!
• Safe and secure application for your favorite credit card
• Bank level encryption practices ensure that with Silver, your information is always safe
• You can check 24/7 whether you have the best possible credit card right now
• Apply directly from your phone and get approved in less than 60 seconds - it's so easy!
It's very easy to use Silver:
1. Download the app
2. Answer our simple quiz to understand which type of card you are looking for
3. Relax for a few seconds while the app finds the best credit card, for you!
With our safe and secure app, you can find out and monitor the real cost of your credit cards. Silver is completely free and no credit card is required.
Silver can help you earn hundreds of dollars or thousands of airline miles each year just by using the right credit card at the right time. Some of our users haven't paid for a single flight for three years. Save more than $300 with the cards you already have and more than $1,000 with new recommendations from our smart card recommendation algorithm.
We support thousands of banks so you can track your credit cards, including Bank of America, Capital One, Chase Bank, Wells Fargo Bank, Citibank, American Express, Sears and more! We also support credit unions like USAA (bank/credit card & insurance), and Navy Federal Credit Union, as well as all the most popular credit cards such as American Express Platinum, American Express Starwood, American Express Premier Rewards Gold, Chase Sapphire, Chase Freedom, Chase United MileagePlus Explorer, and Chase United Club.
Concept seen on New York Times, TechCrunch, Business Insider, The Wall Street Journal.
If you have any feedback or question, please send us an email at: email@example.com. We respond personally to all our clients.
Our Blog with Credit Card Tips: http://www.silvermoneyservices.com/blog/
Join us on Facebook: http://www.facebook.com/silvermoneyservices/
Follow us on Instagram: http://www.instagram.com/silvermoneyservices/
Follow our tips on YouTube: http://www.youtube.com/silvermoneyservices/
More from developer
Credit Card Reader
All funds will be in your account the following day and you only pay 0.39% on qualified debit transactions.
Mobile Credit Card Reader Advantages
A 2014 U.S. Federal Reserve study found 199,800,000 citizens are verified credit card holders. The study also showed some two billion credit cards are currently in use, as most own an average of two to three credit cards. As credit card use is so prevalent, it follows that more and more businesses, large and small alike, are utilizing mobile credit card readers in addition to stationary versions.
So why switch to a mobile credit card swiper, or add one to your business? Let's check out a few of the many advantages that accompany mobile readers:
Celebrated as highly cost-effective, mobile credit card machines don't cost nearly as much as their stationary counterparts. Additionally, transaction fees are generally less than 3 percent.
Ease of Use
Mobile credit card readers are easy to operate, as quality options take payments almost immediately after set up. For best results, use a reader that works across multiple platforms, such as Android and the iPhone.
Numerous Features and Capabilities
Traditional credit card machines have limited functions, but mobile readers offer a variety of features and capabilities. Mobile options offer the ability to run reports and keep track of every transaction and receipt, as each card swiped is automatically saved to your mobile POS account. With everything on record, it's much easier to track fraudulent charges. Many systems offer customization options as well, such as price structure adjustments.
Mobile credit card terminals are ideal for those who frequently take their business on the road. This includes restaurants that operate food trucks, makeup artists and other individual proprietors who travel often for work, and those who appear at trade shows and festivals in addition to operating a brick-and-mortar establishment. Rather than limiting business to cash transactions when on the road, owners and operators are able to accept credit and debit cards, which contributes to an increase in customer base.
Using a mobile credit card swiper helps small businesses appear more "real" and "valid." Studies indicate customers feel a company is "established" when credit card readers are used.
Additional Transaction Options
Mobile credit card readers generally offer more than one transaction option, such as manual entry in addition to using the swipe function. This means never having to write a sign that reads "Credit Card Terminal Down," which results in lost revenue and unhappy customers.
The advantages of using a mobile credit card terminal are many! Add one to your business and see if you don't notice a positive difference immediately.
FREE Cash Register
Call us to activate your account 877-976-8218
-Free App
-Free Card Reader
-Next Day Funding
-Unlimited Users
Add Additional Hardware:
1. Cash Drawer
2. Receipt and Kitchen Printer
3. Bar Code Scanner
4. Scales
A simple cash register designed for business owners. The most basic of toys. It does nothing but show numbers and make noises, like a cash register toys should.
Enter amounts, click "Next" to see them on the receipt. Total to see your total. Press "Cash" to pay and see how much change to give. To Clear the receipt you must enter an amount greater than the total and hit "Cash" -- Then you will start with a new receipt
It's a great way to play store!
Need support? email firstname.lastname@example.com anytime -- any issues or suggestions, please do this before writing a negative review to see if there is anything we can do to assist you.
Merchant Account (FREE)
Works with any smartphone or tablet! Don't pay 2.75% on every transaction. Get a real merchant account with rates starting at 0.39%. Includes a free card reader for your smartphone or tablet.
Text or Email receipts. Includes a TIP feature, Signatures, Inventory, Items, Transaction History, 24/7 live customer support and much more!
-Accept Visa, MasterCard, Discover, American Express, JCB and all Debit Cards.
-Compatible with Authorize.net and other Gateways
Call us today for more information on a free merchant account: 877-976-8218
Merchant Account Solutions: www.merchantaccountsolutions.com
Point of Sale
Call us to activate your account 877-976-8218
-Free App
-Free Card Reader
-Next Day Funding
-Unlimited Users
Add Additional Hardware:
1. Cash Drawer
2. Receipt and Kitchen Printer
3. Bar Code Scanner
4. Scales
Credit Card Processing
Works with any smartphone or tablet! Get a real merchant account with rates starting at 0.39%.
Text or Email receipts. Includes a TIP feature, Signatures, Inventory, Items, Transaction History, 24/7 live customer support and much more!
-Accept Visa, MasterCard, Discover, American Express, JCB and all Debit Cards
-Compatible with Authorize.net and other Gateways
Call us today for more information on a free merchant account: 877-976-8218
Merchant Account Solutions: www.merchantaccountsolutions.com
Credit Card Swiper
Simple merchant account set up:
1. Download app
2. Sign up and receive free card reader
3. Start accepting credit cards
Our Features:
1. Next day funding
2. Accept and track Credit, Debit, Cash and Check
3. Calculates tax rate
4. Allow customers to include tip
5. Text or Email receipts
6. View all sales at a glance
7. Export data to excel
8. Easily track items
Use your phone and merchant account to accept your customer's credit cards. No more bad checks, enter info and get paid. Works anywhere with network connection.
Requires merchant account. Supports: Authorize.net, Quantum, Merchant Plus, NMI and PayPal.
Best Word Game
Name the Word is one of the most fun games if you enjoy puzzle & guessing games. You can compete against your friends to see who gets the highest score.
Name the Word offers both easy and hard levels and there's a lot of way to get free coins if you need help! You'll learn while having a great time playing this entertaining game!
-Over 100 Levels for Free
-Many fun "Helps"
-Great Photos
-Competitive Game
-Many different subjects


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The Pitt Panthers basketball team is reloading this year for a return to the NCAA Tournament.
Pitt Basketball: Slideshow Of Panthers' Top PlayersUPDATED 1:05 PM EST Dec 19, 2011
Slideshow Central
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text: Marc Pierce, 51, of Baker City, Ore., wears a Jerry Garcia T-shirt as he heads to the Grateful Dead concert at Levi's Stadium in Santa Clara, Calif. Jim Gensheimer/TNS /Landov hide caption itoggle caption Jim Gensheimer/TNS /Landov Commentary The Grateful Dead, 'Truckin' Into The Sunset July 4, 2015 The Grateful Dead play their final shows at Chicago's Soldier Field this July 4 weekend. NPR's Eric Westervelt reflects on how the Dead disrupted the musical and business norms of the industry. Listen Loading… 3:07 Playlist Download Embed Embed Close embed modal <iframe src="http://www.npr.org/player/embed/419855868/420019767" width="100%" height="290" frameborder="0" scrolling="no">


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Warning About Counterfeit Perfumes & Colognes
by Chris Malone
posted Feb 10 2014 5:11AM
Something stinks, doctors warn that there has been
a recent rise in the production of counterfeit fragrances and that they can post a health hazard
. One researcher says, "What is often in fake fragrances are ingredients like antifreeze, poorly based chemicals and urine." Experts say the fake perfumes are often sold online or by street vendors and discount retailers. The FBI encourages consumers to be on the lookout for signs that the fragrance is a fake, saying the packaging will vary slightly from that of authentic brands, and the products are often advertised as "limited edition" and sold at dramatically lower prices. Researchers say you should also look at the fragrance's color saying, "If it's too pale, that means it's heavy alcohol. If it's too dark, it is most likely using faux chamicals."
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BBC Radio Cornwall joins BBC Radio 5 live.
Music and laughter to start your day.
Local and national news, weather and travel with James.
Start your weekend with news and features from across the county.
Donna Birrell looks at various faiths and ethics across the county and beyond.
Great music, special guests and guess the year competition.
Music and fun on a Saturday morning.
Tracy brings you music and features including the very popular 'Garden Line' phone-in.
The lunchtime phone-in. Call in on 01872 222 222 (national rate).
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September 19th, 2003 #1Registered User
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Freelance Illustrator looking for work.
Over the next few months I will be providing work for next to nothing for portfolio building purposes. So go to my site take a look around. If you currently have projects that match up with my work, then I would enjoy working with you. If not, please keep me in mind for future projects.
Thank you
Last edited by geeterbug; February 19th, 2004 at 09:31 PM.


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Tel: (414)258-4165
PLEASE VISIT http://www.stvincentpallotti.org
School Overview
|School Membership(s)School Assoc.
|National Catholic Educational Association (NCEA)
National Coalition of Girls
|Religious Affiliation
|Roman Catholic
|Grades Offered
|Grades Prekindergarten - 8
|Year Founded
Student Body
|Total Students
|189 students
|Student Body Type
|% Students of Color
State avg.: 29%
|Students by Grade
Academics and Faculty
|Total Classroom Teachers
|15 teachers
|Student : Teacher Ratio
National avg.: 13:1
|% Faculty w/Advanced Degree
|Average Class Size
|16 students
|Total Sports Offered
|2 sports
|Basketball, VolleyballBasketball, Volleyball,
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MilwaukeePius Xi High School
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MilwaukeeWisconsin Lutheran High School
330 N Glenview Ave
Milwaukee, WI 53213
(414)453-4567(Wisconsin Evangelical Lutheran Synod)0.5 mi | 758 students | Gr. 9-12
MilwaukeeFairview Lutheran School
137 North 66th Street
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(414)258-1534(Wisconsin Evangelical Lutheran Synod)0.6 mi | 67 students | Gr. PK-8
WauwatosaSt Jude The Apostle School
800 Glenview Ave
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(414)771-1520(Roman Catholic)0.6 mi | 492 students | Gr. PK-8
WauwatosaCarmelite Home For Boys - School
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(414)248-57911 mi | 14 students | Gr. 8-11
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When it comes to choosing a private school, there are so many choices to consider that the project can be a huge challenge to most of us. We offer some help and advice to help you get started.
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9th Annual Prescott Highlands Game
Saturday, 11 May, 2013 | 09:00 AM - 05:00 PM
Join us for the 9th Annual Prescott Highland Games that will include traditional Highland Athletics judged by international standards and the 2nd Annual Prescott Highland Dance Competition that is also professionally judged by international standards. There is plenty of entertainment with bagpipe bands, Celtic music, Clans & Associations, 1700's Jacobite Re-Enactors, Genealogy, Children's Glen, Sheep Dog Demonstrations and shopping at great Celtic Crafters and Merchandise booths. You won't go hungry with a wide range of food types - both Celtic and American.
Saturday, 11 May, 2013
Watson Lake Park
3101 Watson Lake Rd
Prescott, AZ
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Date: 1931-06-12
Description: The letterhead stationery of a Racine economic development committee reads: "Air City, Where the Air-Minded Live," The design shows airplanes and even a...
Date: 1927
Description: Earthwork four miles southwest of Racine, used during the Civil War in light artillery target practice to stop solid shot. Joseph Cooper is waving the flag...
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Description: View across road construction towards a horse-drawn trolley on railroad tracks on Racine Street. Men and children are standing near piles of road building...
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Description: The Chicago & Northwestern Railroad depot. Included in the photograph is an omnibus operated by Major Throup.
Date: 1948 ca.
Description: Exterior view of the S.C. Johnson & Sons, Inc. office building looking toward a parking lot.
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Date: 1944 ca.
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Hospital Klean of Texas, Inc.
B-295836,B-295836.2: Apr 18, 2005
Additional Materials:
- Full Report:
Ralph O. White
(202) 512-8278
(202) 512-4800
(202) 512-8278
Office of Public Affairs
(202) 512-4800
Hospital Klean of Texas, Inc. protests the award of a contract to Integrity Management Services, Inc. under request for proposals (RFP) No. W81K04-04-R-0009, issued by the Department of the Army for hospital housekeeping services at Fort Polk, Louisiana. The RFP contemplated the award of an indefinite-delivery, indefinite-quantity, fixed unit-price contract for a base period with 4 option years.
We deny the protest.
Jun 30, 2015
- Precise Management, LLC--ReconsiderationB-410912.2
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Jun 26, 2015
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- Computer World Services Corporation; CompQSoftB-411216,B-411216.3,B-411216.4,B-411216.5
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Sociological Inquiry
© Alpha Kappa Delta: The International Sociology Honor Society
Edited By: Peter B. Wood
Impact Factor: 0.75
ISI Journal Citation Reports © Ranking: 2014: 74/142 (Sociology)
Online ISSN: 1475-682X
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Spotted Cow Beer Sold Ilegally At Minnesota Bar Caught In Undercover Sting
One of my favorite beers, the New Glarus Spotted Cow was found being served at a Maple Grove, Minnesota bar. An anonymous tip led undercover officers to the establishment where they were able to order the beer. The beer is not licensed to be sold in Minnesota, and now they could be facing felony charges.


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(Reuters) - The United States and China squared off at an Asian security forum on Saturday, with the U.S. defense secretary accusing Beijing of destabilizing the region and a top Chinese general retorting that his comments were "threat and intimidation".
U.S. and China square off at Asia security forum
Using unusually strong language, U.S. Defense Secretary Chuck Hagel took aim at Beijing's handling of territorial disputes with its Asian neighbors.
"In recent months, China has undertaken destabilizing, unilateral actions asserting its claims in the South China Sea," Hagel said.
See this story on www.reuters.com


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Faculty and Staff Resources
Producing an effective publication for your department or program is an important component in recruiting students and creating awareness of and support of the impact faculty, staff, students and alumni are making at Radford University. The Office of University Relations will help you create an attractive, effective communication tool. Please review the following outline of important steps along the process of producing a publication for your office or department. Learn More
Latest News
Boys State returns to Radford University
Radford University will proudly welcome nearly 650 young men of the 73rd American Legion Boys State of Virginia to campus as the program kicks off on June 21.
The Best Paper award goes to…
Radford University Assistant Professor of Economics Thomas Duncan was part of a group who received the honor of Best Paper in the Journal of Private Enterprise.


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Plate 46: Statues and Busts
An Inventory of the Historical Monuments in London, Volume 4, the City
APOTHECARIES' HALL. Gideon de Laune, early 17th-century. QUEENHITHE: (4)
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City of Westminster, St Martin in the Fields, Long Acre Ward, Princes Court
Four Shillings in the Pound Aid 1693/4 the City of London, the City of Westminster, Middlesex
£ Jordan, Gideon 1.20 6.00 0.00 0.00 Oke, - (Monsieur) 1.20 6.00 0.00 0.00
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Hearth Tax: Middlesex 1666, Greenford
London Hearth Tax: City of London and Middlesex, 1666
3 s Gideon Lott 6 s Recd jun Simon Ravener 2 s gent Wm. Hawks 15 s John Taylor
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House of Lords Journal Volume 18: 20 January 1708
Journal of the House of Lords: Volume 18, 1705-1709
Haydon Widow and Relict of Gideon Haydon Esquire, deceased, Robert Russell Uncle and Guardian of Gideon Haydon and Tho. mas Haydon, Infants, Children of the said Gideon Haydon and Alice his Wife,...
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DE LAUNE, Paul
Physicians and Irregular Medical Practitioners in London 1550-1640 Database
of Gideon, ?son-in-law of ARGENT. Known London address St Anne's Blackfriars
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Wisbech: Political activity
A History of the County of Cambridge and the Isle of Ely: Volume 4, City of Ely; Ely, N. and S. Witchford and Wisbech Hundreds
101 to Sir Sampson Gideon, and 97 to Philip Yorke. In the first election
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Hearth Tax: City of London 1662, Bridge ward
London Hearth Tax: City of London, 1662
Howkins 1 s poore Gideon Decent 1 s poore John Goddard 1 s poore William
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Hearth Tax: Middlesex 1666, Greenford/Perivale
London Hearth Tax: City of London and Middlesex, 1666
6 s vj Edward Francklingen 12 s xij gen Gideon Lott 4 s iiij Thomas Roman
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London Hearth Tax: Westminster 1664
6 s vj Gideon Cooke 5 s v Alphonse Marsh 6 s vj Richard Mansfeild
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House of Lords Journal Volume 18: 22 December 1708
Journal of the House of Lords: Volume 18, 1705-1709
Upon reading the Petition of Alice Haydon, Widow and Relict of Gideon ... of Gideon Haydon and Thomas Haydon, Infants, Children of the said Gideon and Alice, and Trustee in the Marriage Settlement...
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Casa Amelia
from £51 /night help Price for guests, Nights
1 review
from £51 /night help Price for guests, Nights
Estimated nightly price based on a weekly stay. Excludes fees (if applicable). Enter your dates to see the total cost.
Villa / 3 bedrooms / sleeps 7
Availability Your dates are available
Villa / 3 bedrooms / sleeps 7
|Key Info
Casa Amelia is a recently constructed villa in the countryside of Competa, Malaga. It has an american kitchen and a living room with a fireplace, three bedrooms and two bathrooms, all arranged in one floor. Outside the house you will be able to enjoy the swimming pool, the barbecue and the nice terrace.
|Sleeps up to 7, 3 bedrooms
|Nearest beach
|Algarrobo Costa / Torrox 18 km
|Will consider
|Long term lets (over 1 month)
|Car advised
|Nearest Amenities
|3 km
|Nearest travel links
|Nearest airport: Málaga-Costa del Sol (AGP) / Picasso (AGP) 68 km, Nearest railway: María Zambrano (Málaga) 55 km
|Family friendly
|Great for children of all ages
|Pets welcome, Yes, smoking allowed
Features and Facilities
|Log fire, Internet access
|Private outdoor pool (unheated)
|TV, Satellite TV, Wi-Fi available
|Kettle, Toaster, Iron
|Dishwasher, Cooker, Microwave, Fridge, Freezer, Washing machine
|3 bedrooms, 2 bathrooms of which 1 En suites and 1 Shower rooms
|Double beds (3), Single beds (1), Cots (1), Dining seats for 8, Lounge seats for 8
|Linen provided, Towels provided
|Private outdoor pool (unheated), Balcony or terrace, Private garden, BBQ
|Parking, Suitable for people with restricted mobility, Wheelchair users
The Andalucia region
Andalusia is the "mother" of the Spanish folklore which is probably best known abroad: here you will live the magic of Flamenco and bullfighting in their most authentic style, and myths like Don Juan and Carmen were born here. A land of great traditions, which has understood as well to assimilate the progress.
Situated to the east of Málaga, the Axarquía, offers the visitor much more than one could imagine. With only 1.000 kms.², the Axarquía is a whole world. Beaches with transparent waters. Solitary coves. Cliffs. Entertainment centres, hotels, restaurants, bars, discotheques, golf courses, airport, marina... And from the sea to the mountain. Unwonted spots. Reservoir, rivers. Sierras of indescribable beauty. White villages. Friendly people. And all to be discovered.
A great way to discover this region is by traveling some of the routes declared Tourist Interest of Andalusia, like the Sun and Wine Route and the Mudejar Route.
You can see a list of the many typical fiestas and festivals that take place in the villages of the Axarquía throughout the year in the website absoluteaxarquia(dot)com.
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Calendar last updated:06 Jun 2015
Based in Spain
- English
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(PIX11)– Dunkin' Donuts and Baskin-Robbins Community Foundation are celebrating their "Day of Giving" on Wednesday.
They will be giving $20,000 to City Harvest (as well as The Food Bank for NYC) as part of a $1 million initiatives with Feeding America to combat hunger in the Metro New York idea. 13 more words


text:
automatic skeleton bracelet watch - black
A see-through skeleton detail and rose gold accents give an almost artisan feel to a refreshingly unique timepiece. The automatic, self-winding design, powered by your arm movement, means no more time spent on battery replacement.
- Watch case: 43mm, Quartz Analog Japanese Movement
- 2-hand face with see-through skeleton detail
- Metal linked band with fold-over clasp closure
- Nickel-free, lead free, hypoallergenic, self-winding
- Water resistant, not submersible
- 2 year limited warranty
- Imported
This item is not eligible for International Shipping, Expedited Shipping or delivery to HI, AK, APO, FPO & DPO.


text:
A method for dicing a wafer is disclosed. One illustrative method includes forming a layer of frozen material above a plurality of integrated circuit dies on a substrate and performing a cutting process to cut through the layer of frozen material and the substrate to singulate the plurality of dies. Another method includes performing a cutting process to singulate a plurality of integrated circuit dies having a layer of frozen material formed above the plurality of dies.
1. A method, comprising:
forming a layer of frozen material above a plurality of integrated circuit dies on a substrate on a cooled chuck;
performing a cutting process with the substrate on the cooled chuck, without applying any additional fluid, to cut through the layer of frozen material and the substrate to singulate the plurality of dies;
using only the cutting process, melting some of the frozen material to lubricate a cutting surface of a blade and producing particles from cutting the substrate, sufficient frozen material remaining to protect the substrate from the particles; and
after the plurality of dies are singulated, applying a liquid to the singulated dies to melt residual frozen material, the substrate being oriented such that the frozen material is facing downward and the liquid is directed upward and the particles from the cutting process falling away from the singulated dies while applying the liquid.
2. The method of
cooling the substrate to at least a freezing temperature of the frozen material; and
applying a liquid on the substrate.
3. The method of
4. The method of
5. The method of
1. Field of the Invention
The present invention is generally directed to the field of manufacturing integrated circuit devices, and, more particularly, to systems and methods for dicing a wafer.
2. Description of the Related Art
The manufacturing of semiconductor devices may involve many process steps. For example, semiconductor fabrication typically involves processes such as deposition processes, etching processes, thermal growth processes, various heat treatment processes, ion implantation, photolithography, etc. Such processes may be performed in any of a variety of different combinations to produce semiconductor devices that are useful in a wide variety of applications.
Integrated circuit devices are formed in regions of a semiconducting substrate known as die. The number of die on a particular substrate depends upon the particular type of integrated circuit device and the size of the substrate. Typically, a substrate may have hundreds of die formed thereon.
After the integrated circuit devices are manufactured and tested, they must be packaged for sale. This packaging process typically involves coupling the die to another structure, such as a leadframe, so that electrical connections can be made between the die and other electrical components or devices, e.g., a printed circuit board. Packaging also typically involves encapsulating all or a portion of the die within an encapsulant material, e.g., mold compound. A vast number of techniques and structure have been and continue to be employed in packaging the vast number of integrated circuit devices on the market.
Typically, each of the individual die on a substrate are separated or singulated by cutting the substrate with a dicing saw. The saw blades used during the wafer dicing operation are typically made of diamond particles that are embedded or bonded in a metal matrix. Such saw blades are well-suited for cutting relatively hard, brittle materials, such as silicon. During dicing operations, the saw blade is rotated at a very high rate of speed, and the diamonds make small chips in the silicon substrate.
In some cases, various relatively soft materials are applied to the substrate, e.g., die attach tape attached to the backside of the substrate, protective polymeric films or layers on the active side (front side) of the substrate, etc. Typically, these layers are applied to the substrate prior to performing the saw-cutting or dicing process. In some cases, these layers of material are intended to remain in place as part of the finished product. For example, laminated layers of material may be applied to the backside of the substrate to protect the die in direct flip chip packaging applications, adhesive films may be attached for use as die attach materials, particularly in die stacking applications, and optical films may be applied to control or manage light penetration and/or reflection in optical devices, e.g., CMOS imager devices.
The chips generated during the dicing process may cause several problems. For example, the functional circuitry and structures on the die may be damaged by impact impingement with the chips or particles created during dicing operations. In later process operations, such particles or chips may be inadvertently pressed into the functional circuitry on the die. For example, this may occur in subsequent processes such as die picking, die stacking and/or encapsulation. Particles that adhere to the surface of the die may also cause the integrated circuit device to fail or underperform during later operations. For example, the particles that adhere to the surface of the die can create a stress point on the die without causing a detectable failure when the device is first made. However, over time, such a stress point may lead to fatigue failure during the operational life of the integrated circuit device. For optical devices, the presence of such particles can interfere with or prevent the transmission of light for emitting devices or they can prevent or limit the collection of light for sensing devices.
The attachment of various relatively soft films or layers to the substrate, which are subsequently cut during dicing operations, may also cause several problems. One such problem is that the saw blade may become "loaded" with such materials. Blade loading occurs when resin builds up on the surface of the blade or flows into the pores of the blade matrix. Blade loading may decrease cutting efficiency, increase blade heating, decrease blade life, increase blade breakage and/or cause an increase in chipping of the substrate. Additionally, as the blade cuts through soft polymeric material, it tends to melt that material. As the blade spins, this material may be cast off and may be deposited on the surface of the dies. Such particles may lead to functional failure or yield loss of the integrated circuit devices. For example, polymeric particulars that are deposited on wire bond pads are known to cause so-called wire bond "no sticks," which may result in significant yield loss in semiconductor assembly operations.
The present subject matter may be understood by reference to the following description taken in conjunction with the accompanying drawings, in which like reference numerals identify like elements, and in which:
While the subject matter disclosed herein is susceptible to various modifications and alternative forms, specific embodiments thereof have been shown by way of example in the drawings and are herein described in detail. It should be understood, however, that the description herein of specific embodiments is not intended to limit the invention to the particular forms disclosed, but on the contrary, the intention is to cover all modifications, equivalents, and alternatives falling within the spirit and scope of the invention as defined by the appended claims.
Illustrative embodiments are described below. In the interest of clarity, not all features of an actual implementation are described in this specification. It will of course be appreciated that in the development of any such actual embodiment, numerous implementation-specific decisions must be made to achieve the developers' specific goals, such as compliance with system-related and business-related constraints, which will vary from one implementation to another. Moreover, it will be appreciated that such a development effort might be complex and time-consuming, but would nevertheless be a routine undertaking for those of ordinary skill in the art having the benefit of this disclosure.
The present subject matter will now be described with reference to the attached figures. Various structures and systems for performing during operations are schematically depicted in the drawings. For purposes of clarity and explanation, the relative sizes of the various features depicted in the drawings may be exaggerated or reduced as compared to the size of those features or structures on real-world devices and systems. Nevertheless, the attached drawings are included to describe and explain illustrative examples of the present subject matter.
It should be noted that the system 10 depicted in
In one particular example, the chiller 16 supplies sufficient cooling fluid to the chuck 12 such that the substrate 100 is cooled to at least the approximate freezing temperature of a fluid to be directed to the top surface 100A of the substrate 100. In the illustrative case where the fluid to be applied to the substrate 100 is water, the chuck 12 may be cooled to a temperature of at least about 0� C. Thereafter, a fluid, e.g., water, is directed toward the surface 100A of the substrate 100, via nozzle 32, such that a frozen layer of material 104 is formed above the substrate 100.
Thereafter, as shown in
After the substrate 100 is completely diced, the chuck 12 may be warmed by stopping the flow of chilled fluid from the chiller 16 and/or supplying a warm fluid, e.g., warm water, to the chuck 12. The warming of the chuck 12 should tend to cause the layer of frozen material 104 to thaw. During this process, if desired, relatively warm fluid may also be supplied from the reservoir 18 or another source to the substrate 100 via the nozzle 32 or by some other means. This relatively warm fluid may be flowed over the substrate 100 to remove the layer of frozen material 104 and any captured or loose particles resulting from the dicing process. Alternatively, the diced substrate 100 with the layer of frozen material 104 intact may be transferred to a separate station for thawing the layer of frozen material 104 and removing the particles. In another illustrative example, as shown in
In yet another illustrative variation of this process, after the layer of frozen material 104 is fully formed, the substrate 100 may be diced without applying any additional fluid, e.g., water, to the surface of the substrate 100. The layer of frozen material 104 and the chilled chuck 12 would then absorb the heat generated during the dicing process. As the layer of frozen material 104 melts, it would act as a lubricant for the cutting surface of the saw blade 15. As with the other variations, the layer of frozen material 104 would provide protection for the surface 100A of the substrate 100 during the dicing operation.
It should be understood that the various components depicted in
As indicated in the background section of the application, one problem encountered in dicing operations is that the blade 15 of the saw 14 may engage relatively soft layers of material attached to the front side 100A or backside 100B of the substrate 100. For example, die attach tape is commonly attached to the backside 100B of a substrate 100 prior to beginning dicing operations. The die attach tape is cut during dicing operations along with the substrates and the tape is used to attach the individual die to a package.
In general, the layer 105 may be cooled to a temperature that is less than the ambient temperature of the environment where dicing operations will be performed. The exact cooled temperature of the layer 105 may vary depending upon the particular application. Many materials that comprise the layers 105, e.g., polymeric materials, generally become harder and more brittle as their temperature is decreased. For example, Ablestik ATB 240, a common die attach film, has a dynamic tensile modulus of 4 MPa at 150� C., 630 MPa at 25� C. and 3130 MPa at −65� C. Thus, cooling such a layer 105 and making it harder would make it easier to cut using the saw blade 15.
Various techniques may be employed to cool the layer(s) 105. For example, as indicated in
Another technique for cooling the layer 105 would be to direct or spray a cooled fluid 113 (liquid or gas) onto the layers 105 shown in
Additionally, the layer(s) 105 may be cooled by placing the substrate 100 in a refrigerated environment, e.g., a freezer, for a sufficient period such that the layer(s) 105 reach the desired temperature. Such a refrigerated environment may be a stand-alone freezer or it may be a portion of a dicing system.
The particular embodiments disclosed above are illustrative only, as the invention may be modified and practiced in different but equivalent manners apparent to those skilled in the art having the benefit of the teachings herein. For example, the process steps set forth above may be performed in a different order. Furthermore, no limitations are intended to the details of construction or design herein shown, other than as described in the claims below. It is therefore evident that the particular embodiments disclosed above may be altered or modified and all such variations are considered within the scope and spirit of the invention. Accordingly, the protection sought herein is as set forth in the claims below.
Patent Citations
Non-Patent Citations
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Snoop Dogg – California Roll ft. Stevie Wonder [VIDEO]
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Murdered Rappers Survived By Their Crews [VIDEO & PHOTOS]
A recent study at the University of Sydney statistically proved that a rapper is most likely to die from murder more than anything else. With the Hip-Hop community still in a state of shock following the fatal shooting of Chinx, all anyone can do is swallow the report for the unfortunate truth that it is.The […]
15-year-old North Carolina boy indicted in grandfather's death
A 15-year-old Forsyth County boy has been indicted on second-degree murder charges after police say he killed 75-year-old Clarence Nelson Parrish, his grandfather, dragged his body to the woods, and invited friends over for a party. He will be tried as an adult. The boy told investigators he killed his grandfather because his mother was […]
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Marina Abramović, a New York-based performance artist, collaborated with Jay Z for the Brooklyn mogul's lavish "Picasso Baby" video from 2013's Magna Carta Holy Grail. Abramović revealed in a recent interview that the experience left her disappointed and that she'll never work with Jay Z again. Abramović said that she agreed to work with Jay Z based on […]
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MTV with the premiere; watch the LOX "Bring It Back" [VIDEO]
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Indiana plays baseball game against Xavier in the snow
11:39 AM, Mar. 6, 2014
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Indiana plays baseball game against Xavier in the snow
The frigid first pitch, of course, had to be a snowball. The past two days, Indiana University?s athletics facilities manager, Brent Emerick, and his staff teamed up with the Hoosiers baseball team
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A collection of news and information related to Spencer Pratt published by this site and its partners.
Top Spencer Pratt Articles
Displaying items 100-101
Feuding celebs on TwitterStory | Oct 12, 2009Humorous report in today's L.A. Times Calendar section about Twitter, which is quickly becoming the new ground zero for celebrity feuds. Twitter is the place where celebs throw their sucker punches these days, be it Spencer Pratt vs. Ryan Seacrest,...
'I'm a Celebrity ...': Speidi hits the roadBlog | Jun 2, 2009Some people's prayers were answered: Heidi and Spencer Pratt decided to leave I'm a Celebrity, Get Me Out of Here. Yay!Before that happened, Heidi compared herself to Mother Teresa, and Spencer got 'baptized' by Stephen Baldwin. I have this horrible...


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text:
Book your room at Staybridge Suites Austin NW
Standard RoomMax Occupancy: 2 guests (up to 1 child, 1 infant)
Studio Suite, 1 Queen Bed, Non SmokingMax Occupancy: 2 guests (up to 1 child, 1 infant)
Suite, 2 Double Beds, Non SmokingMax Occupancy: 4 guests (up to 3 children, 3 infants)
Room, 2 Bedrooms, Accessible, Non SmokingMax Occupancy: 4 guests (up to 3 children)
Get an overview of this hotel3-star aparthotel with free breakfast and free area shuttle
Situated in Austin, this aparthotel is 2.3 mi (3.7 km) from McNeil Crossing and 2.8 mi (4.6 km) from Lakeline Mall. Kiddie Acres Amusement Park and Miniature Golf and Arboretum at Great Hills Mall are also within 9 mi (15 km).
Property Features
This aparthotel features an outdoor pool, a 24-hour fitness center, and a business center. Free buffet breakfast is provided, as well as free WiFi in public areas, free self parking, and a free area shuttle. Other amenities include a meeting room, dry cleaning, and laundry facilities.
Room Amenities
All 80 apartments feature kitchens with refrigerators, stovetops, microwaves, and dishwashers. Free WiFi and living rooms are standard, as are LCD TVs with cable channels. Limited housekeeping is available.Information missing or incorrect? Tell us!
Hotel Amenities
Hotel Amenities
Staybridge Suites Austin NW features an outdoor pool and a 24-hour fitness center. High-speed wireless Internet access is complimentary. This 3-star property offers access to a business center and a meeting room. Guests are offered a complimentary breakfast each morning and a complimentary manager's reception is offered on select days. Event facilities measure 840 square feet (76 square meters). This business-friendly aparthotel also offers barbecue grills, gift shops/newsstands, and a picnic area. Onsite self parking is complimentary. The property may provide extended parking privileges to guests after check-out (surcharge).
- Free breakfast
- Free self parking
- Free WiFi
- Outdoor pool
- 24-hour fitness facilities
- Free reception
- Free area shuttle
- Business center
- Conference space size (feet) - 840
- Conference space size (meters) - 76
- One meeting room
- Dry cleaning/laundry service
- Laundry facilities
- 24-hour front desk
- Express check-in
- Express check-out
- Grocery/convenience store
- Barbecue grill(s)
- Picnic area
- Fireplace in lobby
- Gift shops or newsstand
- Television in lobby
- Safe-deposit box at front desk
- Elevator/lift
- Shopping on site
- Luggage storage
- Number of buildings/towers - 1
- Number of floors - 4
- Total number of rooms - 80
Family Friendly Amenities
- Kitchen
- Free Wi-Fi
- Outdoor pool
- Separate dining area
- Separate living room
- Full-sized refrigerator/freezer
- Microwave
- Area shuttle (complimentary)
- Cribs/infant beds (complimentary)
- Laundry facilities
- Grocery/convenience store
Available in all rooms: Free WiFi
Available in some public areas: Free WiFi
Free self parking
Room Amenities
- Kitchen
- Free WiFi
- Separate dining area
- Separate living room
- Cable TV service
- Premium TV channels
- Full-sized refrigerator/freezer
- Microwave
- Stovetop
- Shower/tub combination
- Coffee/tea maker
- Cookware, dishware, and utensils
- Dishwasher
- Free cribs/infant beds
- Housekeeping - weekdays only
- Free newspaper
- Free local calls
- In-room safe
- Free toiletries
- Phone
- Iron/ironing board
- Desk
- Air conditioning
- Climate control
- Private bathroom
- Connecting/adjoining rooms available
Where to Eat
Guests are offered a complimentary buffet breakfast each morning. A complimentary manager's reception is offered on select days.
Nearby Things to Do
Recreational amenities at the aparthotel include an outdoor pool and a 24-hour fitness center.
To make requests for specific accessibility needs, complete the "Special or Accessibility Requests" section of "Trip Preferences" when you book your hotel.
- Accessible path of travel
- Accessible bathroom
- Roll-in shower
- Accessible parking
- In-room accessibility
- Braille or raised signage
Hotel Policies
Minimum check-in age is 18
Check-in time starts at 3 PM
Check-out time is noon
Payment types
Children and extra beds
- Children are welcome.
- Rollaway/extra beds are available for USD 10.00 per night.
- Free cribs (infant beds)!
Pets allowed, Pet maximum weight in lb is 80
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
- Pet fee: USD 75.00 per accommodation, per week (maximum USD 150.00 per stay)
- Rollaway bed fee: USD 10.00 per night
We should mention
The property has connecting/adjoining rooms, which are subject to availability and can be requested by contacting the property using the number on the booking confirmation. Guests can arrange to bring pets by contacting the property directly, using the contact information on the booking confirmation (surcharges apply and can be found in the Fees section).