Lending: An entity that wishes to provide marketplace lending may do so by registering as a bank or Other Financial Institution (OFI) with the CBN pursuant to the Banks and Other Financial Institutions Act 2020. With respect to senior staff, these matters are primarily determined contractually. Assignee(s): STMICROELECTRONICS, INC. (Coppell, TX) to receive more business insights, analysis, and perspectives from Deloitte Insights. If you were to take a look at the cybersecurity news cycle, youd be forgiven for thinking that its only large enterprises with expansive customer bases and budgets that are the most vulnerable to attacks. Abstract: A robotic device including one or more proximity sensing systems coupled to various portions of a robot body. Patent No. Application No., Date, Speed: 16892374 on 06/04/2020 (845 days app to issue). Latest News. Are there any particularly onerous requirements or restrictions that are frequently encountered by businesses? 11454101, Inventor(s): Michael Linley Fripp (Carrollton, TX) With the following buttons, you accept or reject the above-mentioned information. When was it made? An employer may, however, be in breach of the Act if, after electing to contribute to the insurance scheme, it fails or refuses to remit its contribution. sterilising, food or foodstuffs A23; preparations for medical, dental or toilet purposes A61K) [4], Medicament delivery device After displaying our prototype to our leadership and supplier partners, the BMW Group saw the clear business opportunity and invested in scaling up our blockchain work to more suppliers. Assignment Essays will be listed as Assignment Essays on your bank statement. of the waveguide type, H01P; control of amplification, e.g. Patent No. Crowdfunding: The SEC regulates investment-based crowdfunding and released rules on crowdfunding in 2021. Typically, organizations react to this volatility by investing in asset discovery and Security Configuration Management (SCM). Companies. These financial institutions were required to abide by the NSBP principles in supporting businesses such as power, agriculture and oil and gas. A PSB should operate in rural and underbanked locations targeting financially excluded persons, with not less than 25% financial service touch points in such rural areas as defined by the CBN from time to time. When companies drive a wedge between their workforce and their security culture, not only do they reduce best practices, but they also increase stress and jeopardise secure behaviours. Enticed by the promise of safer, more efficient transactions, the financial services industry has been leading the way in leveraging blockchain and other DLT platforms.4 But the benefits extend far beyond Wall Street, especially in uses cases in which multiple organizations access and share the same data and need visibility into transaction history. Instead, theyre embracing DLT-driven business models and leveraging their reputations as trusted providers. Abstract: A system and method for providing both localized and distributed transmission modes for EPDCCH is disclosed, where one EPDCCH comprises of one or multiple CCEs. Live Chat +1(978) 822-0999 Email WhatsApp. Browse our listings to find jobs in Germany for expats, including jobs for English speakers or those in your native language. But Lee says creating a digital record of their value helps decrease some of the challenges. Each user dataset includes user identifying information and user access information to one or more access points. The edge cloud network design may depend on various factors, including the number of edge cloud nodes, edge cloud node location, or traffic coverage, among other things. Managing Director | Deloitte Consulting LLP, Telecommunications, Media & Entertainment, Go straight to smart. By clicking Accept All Cookies, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. Assignee(s): Securus Technologies, LLC (Carrollton, TX) Abstract: A bearing system includes an inboard bearing assembly and an outboard bearing assembly. An inside surface of the upper extension faces, and is substantially parallel to, an inside surface of the lower extension, and the upper extension has first features and the lower extension has second features that are aligned with the first features, where the first features and second features each include at least one of an edge contour, attachment holes, or first protective elements. Doppler effect, propagation time, of radio waves, analogous arrangements using other waves G01S), Monitoring of data to predict road conditions The ability to provide loans through a digitalised lending process has made mobile lending more attractive. The expatriate quota approval entitles the entity to employ and bring in any employee for the positions approved. The following benefits must be provided to staff: 5.3 What, if any, hurdles must businesses overcome to bring employees from outside your jurisdiction into your jurisdiction? The contract can trigger an automatic payment and flex based on user identity; for example, a large enterprise would pay more than an individual consumer. Abstract: A two-phase cold plate includes an outer enclosure having a fluid inlet and a fluid outlet each fluidly coupled to a fluid pathway, an inner enclosure having a vapor cavity and a vapor outlet, and one or more wicking structures disposed in the outer enclosure. Our authors can publish views that we may or may not agree with, but they show their work, distinguish facts from opinions, and make sure their analysis is clear and in no way misleading or deceptive. See all. At least one transceiver associated with the at least one base station interface for provides massive MIMO communications between the at least one server and the at least one user device. 11453347, Inventor(s): Jillian M. Jakubiec (Bloomfield Hills, MI), Michael P. Rowe (Pinckney, MI) 5.2 What, if any, mandatory employment benefits must be provided to staff? Assignee(s): CHIRP SYSTEMS, INC. (Richardson, TX) The system may include a sequential module. Her current focus is academic research in the niche area of pharmaceutical patents and international trade in relation to the phenomena of evergreening. Law Firm: Leavitt Eldredge Law Firm (no location found) IDC Middle East CIO Summit 2023. The opening unit is functionally connected with the life vest unit and the packaging unit comprises one or more fixation units for a fixation on an aircraft seat. Application No., Date, Speed: 16463113 on 11/21/2017 (1771 days app to issue). The tax exemptions which the company will be entitled to include exemption from the payment of companies income tax and tertiary education tax, and no withholding tax on the payment of dividends. Microsofts Activision Blizzard deal is key to the companys mobile gaming efforts. As a result, particularly because of the regulatory and supervisory issues around obtaining and holding a banking licence, fintech companies often find it convenient to team up with existing banks and other financial institutions to offer this type of service. For a retrieval of the life vest unit from the packaging unit, the opening unit is connected in a tear-proof manner with the life vest unit. How Skipping One Step Led to a $7,000 Tax Bill for This Board Game Entrepreneur. The acquisition is currently regarded as the largest acquisition of a Nigerian start-up. 1.1 Please describe the types of fintech businesses that are active in your jurisdiction and the state of the development of the market, including in response to the COVID-19 pandemic and ESG (Environmental, Social and Governance) objectives. Redundant fans for cooling system a hand operation, G01D; clocks, clock mechanisms G04B, G04C; time-interval measuring G04F; counting mechanisms per se G06M), Traffic-adaptive deployment of vehicle functions But as our organization narrowed down the possibilities, we found the right use case for transformation. An affiliate link is then dynamically created. Under this scheme, creators of copyright works or persons who have acquired any copyright in respect of eligible works may give notice of/register their copyright with the Copyright Commission. Full smart card functionality may also be provided. 11455438, Inventor(s): Kazuhiro Saitou (Ann Arbor, MI), Tsuyoshi Nomura (Novi, MI), Yuqing Zhou (Ann Arbor, MI) Microsofts Activision Blizzard deal is key to the companys mobile gaming efforts. Application No., Date, Speed: 17380605 on 07/20/2021 (434 days app to issue). Application No., Date, Speed: 17407338 on 08/20/2021 (403 days app to issue). Abstract: Apparatuses and techniques are described for reducing damage to memory cells during single bit per cell programming. The SEC has successfully approved two fintech firms to operate within the Nigeria Capital Market and this number will continue to grow as its rules are amended to facilitate the registration of fintech firms in Nigeria. The system can be integrated with existing track infrastructure and can further generate alerts to notify coupled systems and/or personnel of directives and/or modification thereof. This change may open merchants up to new customers who are already flocking to digital assets, and help sellers build loyalty with existing customers who want this additional option. Application No., Date, Speed: 16739916 on 01/10/2020 (991 days app to issue). Application No., Date, Speed: 17229705 on 04/13/2021 (532 days app to issue). 11454991, Inventor(s): Juan Li (Keller, TX), Kip Gregory Campbell (Hurst, TX), Michael McNair (Weatherford, TX) In order to be able to take deposits, the fintech company will need one form of banking licence or another from the CBN. Systems and methods for virtualized network function (VNF) selection in a wireless telecommunications network [B60R] VEHICLES, VEHICLE FITTINGS, OR VEHICLE PARTS, NOT OTHERWISE PROVIDED FOR (fire prevention, containment or extinguishing specially adapted for vehicles A62C 3/07), Passenger safety system The CBN also recently published the framework for open banking in Nigeria, defining the parameters of customer information that can be shared between banks and fintechs in Nigeria. A particular transaction may be submitted for approval based on the votes of the peers in the distributed ledger based interchange system. Assignee(s): TEXAS INSTRUMENTS INCORPORATED (Dallas, TX) Patent No. Abstract: The present disclosure relates to pharmaceutical compositions comprising zinc, copper, at least one micronutrient, and a pharmaceutically acceptable excipient; and comprising administering, to a subject in need thereof, a pharmaceutical composition comprising zinc, copper, at least one micronutrient, and a pharmaceutically acceptable excipient. Patent No. 11457458, Inventor(s): Haitong Sun (Irving, TX), Yang Li (Plano, TX) Application No., Date, Speed: 29815700 on 11/16/2021 (315 days app to issue), Inventor(s): Brian P. Johnson (Dallas, TX) The transparency not only benefited us with more information about part origins but also enabled our suppliers to uncover improvement opportunities. Much like the TCP/IP protocols that provide underlying support to enterprise network communications, shared ledgers could eventually become an integral, if invisible, foundation of business operations, allowing established industry leaders to expand their portfolios and create new value streams and enabling startups to dream up exciting new business models. Registration is, therefore, not a prerequisite to copyright protection under Nigerian law. Abstract: Described examples include an integrated circuit having a semiconductor substrate. Law Firm: Daly, Crowley, Mofford Durkee, LLP (2 non-local offices) Abstract: A method of forming a semiconductor device with a metal pillar overlapping a first top metal interconnect and a second top metal interconnect is disclosed. Assignee(s): Samsung Electronics Co., Ltd. (Suwon-si, , KR) The active region is enclosed by termination trenches disposed in a termination region, which extends to the edges of the chip. [G07C] TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE (identification of persons A61B 5/117; indicating or recording apparatus for measuring in general, analogous apparatus but in which the input is not a variable to be measured, e.g. [H04N] PICTORIAL COMMUNICATION, e.g. Toyota Motor Engineering Manufacturing North America, Inc. (Plano) 4 Both of these fairy tales ended badly. Within a single organization, change can be challenging; across multiple organizations and industries, it likely will be several orders of magnitude more difficult. Are there any regulatory sandbox options for fintechs in your jurisdiction? All company, product and service names used in this website are for identification purposes only. Along the way, each token transaction updates a blockchain ledger with information about how much money was transferred and for what purpose. As barriers to using DLTs fall, both incumbents and new entrants that are leading with business and customer need are able to navigate this transformation more smoothly. Patent No. In-The-Wild & Disclosed CVEs CVE-2022-41091 This vulnerability allows a malicious individual to bypass Mark of the Web. bandwidth control of amplifiers, H03G; tuning resonant circuits, e.g. Law Firm: Guntin Gust, PLC (3 non-local offices) Assignee(s): rewardStyle, Inc. (Dallas, TX) The internal write circuitry includes a write delay lock loop configured to receive the write clock and the feedback clock to determine a number of cycles used for the loop, transmit the number of cycles to the host device to be used as a cycle adjust in an internal write leveling process, and complete the internal write leveling process with the host device using the cycle adjust. There are, however, a few fintechs that have been able to obtain debt financing. Assignee(s): DexCom, Inc. (San Diego, CA) The computing device includes a processor configured to automatically open the at least one outlet valve such that the particulate matter is released from the sand separator into the collection container. Law Firm: McCarter English, LLP (7 non-local offices) Who made it? Under the Regulations, such FI must adopt a policy on AML and combat the financing of terrorism and must also have policies and procedures to address any risks for customers in relation to AML and the financing of terrorism. One, blockchain is transformative, and one day we will be using blockchain-based technologies without even realizing it because of the potential they have to build better business processes and customer experiences. Assignee(s): Texas Instruments Incorporated (Dallas, TX) [B66D] CAPSTANS; WINCHES; TACKLES, e.g. Abstract: A method of autonomous flight path planning for a group of cooperating aircraft operating in formation includes: receiving information related to obstructions that interfere with an aircraft of the group continuing on a flight path; calculating a velocity obstacle for each obstruction; calculating a plurality of candidate velocities outside of the velocity obstacles; selecting a first velocity from the candidate velocities and operating a leader of the group at the first velocity; calculating, based upon keeping a follower aircraft in formation, a second velocity for the follower; determining whether the second velocity is inside one of the velocity obstacles; operating the follower at the second velocity when the second velocity is outside the velocity obstacles; and calculating a revised velocity that is outside of the velocity obstacles and operating the follower at the revised velocity when the second velocity is inside one of the velocity obstacles. How about 6 million, Bank of America says. such as a blockchain network, may include treasury accounts each associated with an institution that participates in the system. Leverage our proprietary and industry-renowned methodology to develop and refine your strategy, strengthen your teams, and win new business. These products and services are usually sold through license agreements or subscriptions. Application No., Date, Speed: 16658493 on 10/21/2019 (1072 days app to issue). Looking back on the hype around blockchain in 2018 and the progress the BMW Group has made since, two things are clear. A single non-linear equalization (NLEQ) coefficient set is generated in beamspace, the single NLEQ coefficient set configured to characterize non-linear behavior of a system having an array of N elements. Application No., Date, Speed: 16377745 on 04/08/2019 (1268 days app to issue). Abstract: Described examples include a device having a prism cube having a first side and a second side opposite the first side, the prism cube configured to: receive light comprising a first color light and a second color light, direct the first color light to the first side of the prism cube, and direct the second color light to the second side of the prism cube. Abstract: Techniques are described for a distributed ledger based interchange system for transferring value between entities. Assignee(s): Oxy Vinyls, LP (Dallas, TX) They have substantial value but can be harder to buy, sell, and trade than assets such as cash or stocks. Mobile payments, payment processing, mobile lending and personal finance are the most prevalent types of fintech businesses in Nigeria. Patent No. Galmed gains 5% after securing three new U.S. patents for Aramchol and meglumine salt January 11, 2022 | nasdaq.com Galmed Pharmaceuticals Ltd Shares Fall 5.2% Below Previous 52-Week Low - Market Mover We sell different types of products and services to both investment professionals and individual investors. Patent No. 11456088, Inventor(s): Jason Drew Gillen (Anna, TX), Melvin Glenn Debord (Van Alstyne, TX), Ronald A. Raedeke (Marine on St. Croix, MN), Sheri H. Dahlke (West Lakeland, MN), William T. Bigbee, Jr. (Melissa, TX) 11454312, Inventor(s): Scott David Poster (Arlington, TX) Methods for topology optimization using a membership variable 11452698, Inventor(s): Aleksa Jovanovic (Fort Worth, TX), Dennis Carson (Burleson, TX), Lei Shi (Mansfield, TX) Blockchain at scale: Evolving technologies and standards. In this manner, passenger safety may be enhanced. Patent No. This issue of The PTAB Review begins with a brief update about the U.S. Patent & Trademark Office (USPTO) Guidelines for when institution of an America Invents Act (AIA) trial (e.g., inter partes review or post-grant review) should be denied based on the status of a parallel litigation. 11453491, Inventor(s): Elizabeth Feeley (Dallas, TX), George Matthew Thompson (Lewisville, TX), Joseph Richard Carpenter, Jr. (Burleson, TX), Karl H. Schroeder (Southlake, TX), Michael Mark Attaway (Arlington, TX) Deloitte can help. The medicament delivery device comprises a housing, a needle, a medicament delivery mechanism and an actuator. The system may be installed at parking lots, shipping yards, restaurants, stores, and other locations. The zero-trust model of cybersecurity has grown recently as organizations update their security practices to keep pace with, and stay ahead of evolving threats. Law Firm: Microelectronic Devices IP LLC (1 non-local offices) The program, when executed by a processor, also is capable of transforming the set of input data into test board mapping data. Verify your identity, personalize the content you receive, or create and administer your account. Key Findings. Order your essay today and save 20% with the discount code ESSAYHELP. Microsoft pleaded for its deal on the day of the Phase 2 decision last month, but now the gloves are well and truly off. Her team and their extended network are now able to develop in-house blockchain products, consult with regulators, and guide other public institutions in adopting blockchain. Consider that in its infancy, the internet was slow, ugly, and misunderstood. Such challenges are typical of the early stages of adoption of most technologies, and entrepreneurs, enterprises, and academic institutions set out to industrialize blockchain and other DLT platforms. Mobile payments: The payments and remittance subsector is the most prevalent subsector of the fintech sector in Nigeria and has become a source of investment in Nigeria. The activities of other participants in the payment space such as Switching Companies, Payment Solutions Service Providers, Payments Terminal Service Providers, Super-Agents and Card Scheme Providers are also regulated by the CBN. Abstract: A blower for an HVAC system, the blower includes a housing with an intake and an outlet, a fan or blower wheel disposed within the housing and configured to draw air into the housing via the intake and to exhaust air from the housing through the outlet, and an adjustable cutoff plate configured to be moved between at least a first position defining a first cutoff angle and a second position defining a second cutoff angle. Whether a particular form of business will be permissible under Nigerian law and the required licence/approval will depend on the nature of such a business. The Labour Act contains specific provisions on annual leave, overtime, sick leave and maternity leave entitlements. Chow Tai Fook is currently looking into how it can put a franchisees data into a blockchain ledger to speed up the process and help stores acquire the inventory they need when they need it. Message mapping via frequency and/or time indexing The third quarter saw some major developments across the privacy space. tuning coupled resonant circuits, H03J; networks for modifying the frequency characteristics of communication systems H04B), Method and apparatus for RC/CR phase error calibration of measurement receiver Two decades of working and studying emerging technologies have taught me to recognize the difference between hype and hopebetween the technologies that are truly transformative and those that are not. Tel Aviv Web 3.0 Blockchain Week. A one-time password (OTP) generator in combination with a conventional credit/debit card comprising a card having a magnetic bar stripe, raised imprint card numbers and name, expiration date and four digit code as are known in the art is provided. We hope this can help franchises operate more efficiently.14. Assignee(s): United Services Automobile Association (USAA) (San Antonio, TX) Patent No. The method includes determining properties of the hub motors according to the attributes and the wheel configuration. A one-time password (OTP) generator in combination with a conventional credit/debit card comprising a card having a magnetic bar stripe, raised imprint card numbers and name, expiration date and four digit code as are known in the art is provided. The NITDA Act stipulates that any entity that commits an offence is liable on conviction: The penalties for breach of the provisions of the Credit Reporting Act 2011 is a prescribed monetary fine of not less than NGN10 million or imprisonment for a term of 10 years or both. Last year, we created a test platform for these banks to use these currencies in a simulated environment. 11454110, Inventor(s): Rich Warner (Arlington, TX) Assignee(s): Bubble and Spike, LLC (Dallas, TX) TELEVISION [4], Display inserts, overlays, and graphical user interfaces for multimedia systems The CBN also issued a press release titled Response to Regulatory Directive on Cryptocurrencies, and in that press release the CBN gave the reasons behind the Circular. Assignee(s): TEXAS INSTRUMENTS INCORPORATED (Dallas, TX) Full smart card functionality may also be provided. 11456379, Inventor(s): Chiao-Shun Chuang (Zhubei, , TW), Tsung-Wei Pai (New Taipei, , TW), Yun-Pu Ku (Taipei, , TW) 11453630, Inventor(s): Keith Kramer (Andover, KS) [A61M] DEVICES FOR INTRODUCING MEDIA INTO, OR ONTO, THE BODY (introducing media into or onto the bodies of animals A61D 7/00; means for inserting tampons A61F 13/26; devices for administering food or medicines orally A61J; containers for collecting, storing or administering blood or medical fluids A61J 1/05); DEVICES FOR TRANSDUCING BODY MEDIA OR FOR TAKING MEDIA FROM THE BODY (surgery A61B; chemical aspects of surgical articles A61L; magnetotherapy using magnetic elements placed within the body A61N 2/10); DEVICES FOR PRODUCING OR ENDING SLEEP OR STUPOR [5], O P E R A T I O N S & TRANSPORT, Inventor(s): Howard Unger (Henderson, NV), Thomas Rucci (Henderson, NV) The primary objective of the Nigerian Blockchain Adoption Strategy is to identify and utilise the opportunities provided by blockchain technologies to strengthen the countrys security in cyber space and stimulate the growth of the economy. Patent No. Act), Chapter E1 Laws of the Federation of Nigeria 2004. The actuator is moveable relative to the housing from the intermediate position to a second position such that the actuator exerts a force on the second locking member to urge the second locking member from a locked state to an unlocked state wherein the second biasing member moves the dispensing member within the housing to dispense medicament from the reservoir when the reservoir contains medicament. With 89 blockchain patents granted globally with an additional 285 blockchain applications pending worldwide, we already have one of the payments industrys biggest blockchain patent portfolios to draw from to make these projects successful. The panels could have joints therein to physically join the panels while the primary adhesion results from the application of the polyurea or another derivative. Get all the latest India news, ipo, bse, business news, commodity only on Moneycontrol. For instance, the use of airtime for the repayment of loans to a mobile lender could constitute a premium-rated service, the provision of which requires the approval of the NCC. Law Firm: Lightfoot Alford PLLC (1 non-local offices) The inboard fitting includes a plate with a convex mating surface and a first aperture formed through the plate for receiving a blade root of a rotor blade. The second transformer has a second input coupled to the first output, a third output coupled to a first device output, and a fourth output coupled to a second device output. [H03L] AUTOMATIC CONTROL, STARTING, SYNCHRONISATION, OR STABILISATION OF GENERATORS OF ELECTRONIC OSCILLATIONS OR PULSES (of dynamo-electric generators H02P) [3], Independent sequence processing to facilitate security between nodes in wireless networks We recently partnered with the German government to use blockchain as a means of federating drivers licenses and simplifying the purchase process. Law Firm: No Counsel The system also includes a load and a switching converter coupled between the input voltage node and the load. The Coins Why Solana founder Anatoly Yakovenko is bullish on blockchain-based gaming in 2023. 11456333, Inventor(s): Christopher Petti (Mountain View, CA), Deepanshu Dutta (Fremont, CA), Jiahui Yuan (Fremont, CA), Yu-Chung Lien (San Jose, CA) As a result of the QR Framework, QR Codes can be used to present, capture and transmit payment information across payments infrastructure in Nigeria. The memory device includes an input-output interface that receives the data strobe from the host device. Abstract: A thin ophthalmic lens stabilized through incorporation of flange around all or a portion of a perimeter of the thin lens. Assignee(s): Diodes Incorporated (Plano, TX) 11457508, Inventor(s): Yang Li (Plano, TX) Patent No. Application No., Date, Speed: 17138150 on 12/30/2020 (636 days app to issue). The first end portion is connected at the first beam attachment member. Patent No. 11457097, Inventor(s): Young Hoon Kwon (Lake Forest, CA), Yujin Noh (Lake Forest, CA) 11453485, Inventor(s): Bryan Kenneth Baskin (Arlington, TX) The page xxxx will be opened when you continue. Assignee(s): United Services Automobile Association (USAA) (San Antonio, TX) Prior to the 2021 CBN Circular, the SEC, on 14th September 2020, released a Statement on Digital Assets and their Classification and Treatment (the Statement). 4.3 Please briefly describe the sanctions that apply for failing to comply with your data privacy laws. We teamed up with, Added to this work, Mastercard is actively engaging with several major central banks around the world, as they review plans to launch new digital currencies, dubbed, Why Mastercard is bringing crypto onto our network. Integrated circuit spike check test point identification apparatus and method IDC Middle East CIO Summit 2023. Abstract: The invention provides an IG unit comprising two panes and a between-pane space located between the two panes. Her current focus is academic research in the niche area of pharmaceutical patents and international trade in relation to the phenomena of evergreening. To alleviate some of this burden, the US Department of Treasurys Bureau of Fiscal Services is working to develop a blockchain solution to make the process of distributing grants and tracking the flow of money simpler. Application No., Date, Speed: 17197729 on 03/10/2021 (566 days app to issue).

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