1. A method performed by one or more processors executing instructions to perform acts comprising:
receiving, by a disclosure system, name-value pairs, names of the name-value pairs comprising fields of a template and values of the name-value pairs comprising consumer data associated with a consumer;
receiving, by the disclosure system, signature data including a signature of the consumer;
creating a disclosure that includes the name-value pairs and the signature data;
associating a universally unique identifier with the disclosure; and
creating a digital signature by providing the disclosure as input to a cryptographic hash function, the digital signature corresponding to the disclosure.
2. The method as recited in claim 1, wherein the template is associated with both a lender and a retailer.
3. The method as recited in claim 1, wherein the disclosure comprises a legally binding financing application between the consumer and a lender.
4. The method as recited in claim 1, wherein the disclosure is compliant with both the Fair Credit Reporting Act and the Truth in Lending Act.
5. The method as recited in claim 1, wherein creating the disclosure that includes the name-value pairs and the signature data comprises:
adding the signature data to the disclosure as an attachment; and
associating a second universally unique identifier with the attachment.
6. The method as recited in claim 1, the acts further comprising:
recreating a signed disclosure based on the digital signature.
7. A disclosure system comprising:
one or more processors;
one or more computer-readable storage media storing instructions executable by the one or more processors to perform acts comprising:
receiving a template and values used to fill in fields of the template, the values comprising consumer information associated with a consumer;
receiving signature data including a signature of the consumer;
creating a disclosure that includes the template, the values, and the signature data;
associating a universally unique identifier with the disclosure; and
creating, using a cryptographic hash function, a digital signature that corresponds to the disclosure.
8. The computing device as recited in claim 7, wherein the template includes a timestamp indicating one of when the template was created or when the template was sent to obtain the values.
9. The computing device as recited in claim 7, wherein the template is provided by a lender for use with a retailer.
10. The computing device as recited in claim 7, wherein the disclosure enables the consumer to make a purchase at a retailer for one or more goods or services.
11. The computing device as recited in claim 7, wherein the signature data comprises an image of a signature of the consumer on a printed page.
12. The computing device as recited in claim 7, wherein the signature data comprises data received from a touch-sensitive pad that is written on by the consumer using a stylus.
13. One of more computer-readable storage media including instructions that are executable by one or more processors to perform acts comprising:
receiving names and values, the names comprising fields of a template and the values comprising consumer data associated with a consumer;
receiving signature data comprising a signature of the consumer;
creating a disclosure that includes the names, the values, and the signature data;
associating a universally unique identifier with the disclosure; and
creating a digital signature of the disclosure using a cryptographic hash function, the digital signature representing the disclosure with the signature data.
14. The one of more computer-readable storage media as recited in claim 13, the template comprising terms and conditions of an offer of financing to the consumer.
15. The one of more computer-readable storage media as recited in claim 13, wherein the template is associated with a universally unique identifier that identifies the template from other templates stored in the one or more computer-readable storage media.
16. The one of more computer-readable storage media as recited in claim 13, wherein the signature comprises digital image data associated with a signature on at least a portion of the template that was printed.
17. The one of more computer-readable storage media as recited in claim 13, wherein the template is selected based on at least one of a lender providing an offer of financing to the consumer, a retailer where the offer of financing is to be used, or a characteristic of the consumer.
18. The one of more computer-readable storage media as recited in claim 13, the acts further comprising:
storing the disclosure in the one of more computer-readable storage media; and
referencing the disclosure using the digital signature.
19. The one of more computer-readable storage media as recited in claim 13, wherein:
the disclosure includes one or more attachments; and
the one or more attachments include the signature data.
20. The one of more computer-readable storage media as recited in claim 13, the acts further comprising:
verifying the legality of the disclosure using the digital signature.
The claims below are in addition to those above.
All refrences to claim(s) which appear below refer to the numbering after this setence.
1. A method for treating acidic waste water containing iron ions, or iron ions and sulfate ions, which method comprises
solidifying a mixture of (i) granular rock wool and (ii) an inorganic binder comprising at least one selected from the group consisting of silicates, hydroxides, and oxides of alkaline earth metals and alkali metals to form a solid waste water treating material having a porosity of 70\u201398% and a bulk specific gravity of 0.1\u20131.0, and
bringing said solid waste water treating material into contact with acidic waste water containing iron ions, or iron ions and sulfate ions, to thereby remove 80% or more of the iron ions.
2. A method for treating acidic waste water as described in claim 1, wherein the concentration of iron ions is 100\u2013250 ppm.
3. A method for treating acidic waste water as described in claim 2, wherein the removal of iron is effected under such neutralizing conditions as to change the pH of said acidic waste water from 3 or less before treatment to 4 to 6 after treatment.
4. A method for treating acidic waste water containing sulfate ions, or sulfate ions and iron ions, which method comprises
solidifying a mixture of (i) granular rock wool and (ii) an inorganic binder comprising at least one selected from the group consisting of silicates, hydroxides, and oxides of alkaline earth metals and alkali metals to form a solid waste water treating material having a porosity of 70\u201398% and a bulk specific gravity of 0.1\u20131.01, and
bringing said solid waste water treating material into contact with acidic waste water having a pH of 5 or less to thereby effect neutralization of said acidic waste water to a pH of 6 to 8.
5. A method of providing a waste water treating material for treating acidic waste water containing iron, which method comprises spraying, mixing or filling in a container (i) granular rock wool and (ii) an inorganic binder comprising at least one selected from the group consisting of silicates, hydroxides and oxides of alkaline earth metals and alkali metals, wherein said waste water treating material has a porosity of 70\u201398% and a bulk specific gravity of 0.1\u20131.0. and contacting said waste water with said waste water treating material.
6. A method for treating acidic waste water containing iron, which method comprises spraying, mixing or filling in a container (i) granular rock wool and (ii) an inorganic binder comprising at least one selected from the group consisting of silicates, hydroxides and oxides of alkaline earth metals and alkali metals, to provide a waste water treating material having a porosity of 70\u201398% and a bulk specific gravity of 0.1\u20131.0,
bringing said waste water treating material into contact with acidic waste water containing iron, and
upon a decrease in performance of said waste water treating material, reapplying said granular rock wool and said inorganic binder with or without removing the used waste water treating material.