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公开(公告)号:US07386507B2
公开(公告)日:2008-06-10
申请号:US11859553
申请日:2007-09-21
申请人: Richard S. Davis , Michael J. Maron
发明人: Richard S. Davis , Michael J. Maron
IPC分类号: G06Q40/00
CPC分类号: G06Q40/02 , G06Q20/102 , G06Q40/00 , G06Q40/025
摘要: A loan program and process is structured to provide a significant end-to-end cost savings while overcoming many, if not all, of the drawbacks and regulatory obstacles present in the current payday loan industry. The program, the end-to-end process, and the arrangement thereof, permits a lender to offer short-term, small cash loans to employees through an employer controlled payroll system. Access to the employer controlled payroll system is achieved through an agreed upon relationship between a coordinator, a lender, and the employer. As part of the agreed upon relationship, the lender guarantees that all fees, interest, and other ancillary costs over and above a principle amount of the short-term, small cash loan will be kept at or below a predetermined annual percentage rate (APR). In addition, the loan is repayable over a number of payroll cycles such that each successive payday the principle balance of the loan decreases.
摘要翻译: 贷款计划和流程的结构是提供重要的端到端成本节约,同时克服许多(如果不是全部)当前工资日贷款行业存在的缺点和监管障碍。 该计划,端到端流程及其安排允许贷方通过雇主控制的工资单向雇员提供短期,小额现金贷款。 通过协调员,贷款人和雇主之间商定的关系,可以获得雇主控制的工资单制度。 作为商定关系的一部分,贷款人保证,短期小额现金贷款的原则金额以上的所有费用,利息和其他辅助成本将保持在或低于预定年度百分比(APR) 。 此外,这笔贷款可以在多个工资周期中偿还,以便每个连续的工资日贷款的主要余额减少。
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公开(公告)号:US5973591A
公开(公告)日:1999-10-26
申请号:US974528
申请日:1997-11-19
申请人: David Schwartz , Richard S. Davis
发明人: David Schwartz , Richard S. Davis
IPC分类号: G08B3/10
CPC分类号: G08B3/10
摘要: The electronic signaling system comprises a base unit including an audio media player for reproducing a recorded audio signal from an inserted recorded medium, and an audio output stage for producing an audio output responsive to the occurrence of a trigger signal. A remote triggering device, such as a doorbell, includes a signal generator for communicating energy from the triggering device to the base unit. A receiving device in the base unit is provided for intercepting the energy communicated from the triggering device for reproducing the recorded audio signal. The medium may be a replaceable medium, permitting the user to select, from a variety of sound recordings, which recording is to be played back when a visitor or a guest pushes the doorbell. The replaceable medium may be recordable by a user. The audio player is preferably a player capable of reproducing sound patterns from integrated circuits containing encoded or non-encoded sound program information. A simplified electronic signaling system may be placed in a child's room. When a pushbutton outside the child's room is pressed, a preselected sound/audio/song/message/program is played by the base unit in the child's room. The base unit may have a slot for receiving thematic cards having artwork thereon and carrying an IC containing sounds or sound patterns consistent with the theme depicted on the thematic card.
摘要翻译: 该电子信号系统包括一个基本单元,它包括用于从插入的记录介质再现记录的音频信号的音频媒体播放器,以及响应于触发信号的发生产生音频输出的音频输出级。 诸如门铃的远程触发装置包括用于将能量从触发装置传送到基本单元的信号发生器。 提供了基本单元中的接收装置,用于截取从触发装置传送的能量,用于再现所记录的音频信号。 介质可以是可替换的介质,允许用户从访问者或客人推开门铃时从各种声音记录中选择哪个记录被播放。 可替换介质可以由用户记录。 音频播放器优选地是能够从包含编码或非编码声音节目信息的集成电路再现声音模式的播放器。 简化的电子信号系统可以放置在孩子的房间中。 按下孩子房间外的按钮时,儿童房间内的基本单位将播放预选的声音/音乐/歌曲/消息/节目。 基座单元可以具有用于接收具有艺术品的专题卡的插槽,并且携带包含与主题卡上描绘的主题一致的声音或声音图案的IC。
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公开(公告)号:US5557887A
公开(公告)日:1996-09-24
申请号:US330479
申请日:1994-10-28
CPC分类号: H02H7/0851 , E05F15/603 , E05F15/668 , E05F15/41 , E05Y2201/214 , E05Y2201/236 , E05Y2201/238 , E05Y2201/716 , E05Y2400/504 , E05Y2400/514 , E05Y2400/554 , E05Y2800/21 , E05Y2800/22 , E05Y2900/106 , H02H3/05 , H02H7/0853
摘要: A garage door operator which senses obstructions and takes corrective action before entrapment can occur. Yieldable gears are utilized as a failsafe mechanism such that when the applied torque exceeds certain limit, the gears disengage so that the garage door can be manually moved. The yieldable gears may also be disengaged by remote control or by hand. Solid state circuitry is provided to achieve soft starts and stops of the electric motor. Test circuitry is provided that tests the operational readiness of the electrical components by simulating an abnormal torque condition. During operation of the electric motor, the torque load is electronically calculated and if an abnormal torque load is encountered, the electric motor reverses direction.
摘要翻译: 一个车库门操作人员可以感觉障碍物,并在捕获前采取纠正措施。 可利用的齿轮被用作故障安全机构,使得当所施加的扭矩超过一定限度时,齿轮脱离,从而可以手动地移动车库门。 可屈服的齿轮也可以通过遥控或手动脱开。 提供固态电路以实现电动机的软启动和停止。 提供测试电路,通过模拟异常转矩条件来测试电气部件的运行准备情况。 在电动机的运转中,以电子方式计算转矩负荷,如果遇到异常转矩负载,则电动机反转方向。
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公开(公告)号:US5129367A
公开(公告)日:1992-07-14
申请号:US681593
申请日:1991-04-08
CPC分类号: F01L1/446 , F01L1/443 , F02B29/02 , F02B2075/027 , F02B3/06 , Y02T10/146
摘要: An intermittent bypass system comprises an intake conduit including an intake passage leading to a cylinder in an engine and an intake controller connected to the intake passage adjacent to the cylinder. The intake controller enables, during different portions of the engine cycle, fluid flow from the intake passage into the cylinder, fluid back-flow from the cylinder into the intake passage, and obstruction of fluid flow between the intake passage and the cylinder. A check valve is located in the intake passage upstream of the intake controller with the check valve allowing fluid flow toward the cylinder and obstructing fluid back-flow in the reverse direction. A bypass port is located on the intake passage to provide a flow path to a downstream portion defined by the portion of the intake passage between the check valve and intake controller. A control valve is connected between a secondary fluid source and the bypass port enabling communication between the secondary fluid source and downstream portion during a portion of the engine cycle when the check valve is open. The control valve obstructs the communication during a portion of the engine cycle when the check valve is closed.
摘要翻译: 间歇式旁路系统包括进气管道,其包括通向发动机中的气缸的进气通道和与气缸相邻的进气通道连接的进气控制器。 进气控制器使得在发动机循环的不同部分期间,从进气通道流入气缸的流体流动,从气缸向进气通道的流体回流,以及妨碍进气通道和气缸之间的流体流动。 止回阀位于进气控制器上游的进气通道中,止回阀允许流体朝向气缸流动并阻止流体逆向流动。 旁通端口位于进气通道上,以提供到由止回阀和进气控制器之间的进气通道的部分限定的下游部分的流动路径。 在止回阀打开时,在发动机循环的一部分期间,控制阀连接在次级流体源和旁路端口之间,从而能够在次级流体源和下游部分之间进行连通。 当止回阀关闭时,控制阀在发动机循环的一部分期间妨碍通信。
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公开(公告)号:US4986225A
公开(公告)日:1991-01-22
申请号:US534990
申请日:1990-06-08
申请人: Ko-Jen Wu , Richard S. Davis
发明人: Ko-Jen Wu , Richard S. Davis
CPC分类号: F02B29/00 , F02D13/0261 , F02D13/0273 , Y02T10/146
摘要: An intake reservoir system is for an engine having an intake passage leading to a cylinder, and a check valve in the intake passage to allow fluid flow toward the cylinder and obstruct fluid back-flow in the reverse direction. A bypass port is located on the intake passage so that the bypass port communicates with a trapped volume defined by the portion of the intake passage between the check valve and cylinder. The intake reservoir system comprises an inflower for enabling fluid to flow into the trapped volume when the pressure therein is at least equal to the pressure upstream of the check valve. The intake reservoir system further comprises a reservoir cavity, a port passage connected between the reservoir cavity and bypass port enabling communication between the reservoir cavity and trapped volume, and a volume controller enabling adjustment of the volume of the reservoir cavity.
摘要翻译: 进气储存器系统用于具有通向气缸的进气通道的发动机和在进气通道中的止回阀,以允许流体朝向气缸流动并阻止流体逆向流动。 旁通口位于进气通道上,使得旁通口与由止回阀和气缸之间的进气通道的部分限定的捕集体连通。 进气储存器系统包括流入器,用于当其中的压力至少等于止回阀上游的压力时,使流体流入被捕集的体积。 进气储存器系统还包括储存器腔,连接在储存器腔和旁路端口之间的端口通道,其实现储存腔和被捕获体积之间的连通;以及容积控制器,其能够调节储存腔的体积。
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公开(公告)号:US20070271178A1
公开(公告)日:2007-11-22
申请号:US11690694
申请日:2007-03-23
申请人: Richard S. Davis , Michael J. Maron
发明人: Richard S. Davis , Michael J. Maron
IPC分类号: G06Q40/00
CPC分类号: G06Q40/02 , G06Q20/102 , G06Q40/00 , G06Q40/025
摘要: A loan program and process is structured to provide a significant end-to-end cost savings while overcoming many, if not all, of the drawbacks and regulatory obstacles present in the current payday loan industry. The program, the end-to-end process, and the arrangement thereof, permits a lender to offer short-term, small cash loans to employees through an employer controlled payroll system. Access to the employer controlled payroll system is achieved through an agreed upon relationship between a coordinator, a lender, and the employer. As part of the agreed upon relationship, the lender guarantees that all fees, interest, and other ancillary costs over and above a principle amount of the short-term, small cash loan will be kept at or below a predetermined annual percentage rate (APR). In addition, the loan is repayable over a number of payroll cycles such that each successive payday the principle balance of the loan decreases.
摘要翻译: 贷款计划和流程的结构是提供重要的端到端成本节约,同时克服许多(如果不是全部)当前工资日贷款行业存在的缺点和监管障碍。 该计划,端到端流程及其安排允许贷方通过雇主控制的工资单向雇员提供短期,小额现金贷款。 通过协调员,贷款人和雇主之间商定的关系,可以获得雇主控制的工资单制度。 作为商定关系的一部分,贷款人保证,短期小额现金贷款的原则金额以上的所有费用,利息和其他辅助成本将保持在或低于预定年度百分比(APR) 。 此外,这笔贷款可以在多个工资周期中偿还,以便每个连续的工资日贷款的主要余额减少。
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公开(公告)号:US5105784A
公开(公告)日:1992-04-21
申请号:US681596
申请日:1991-04-08
IPC分类号: F01L1/348 , F01L1/44 , F01L7/00 , F01L7/02 , F02B3/06 , F02B29/08 , F02B75/02 , F02D9/16 , F02D13/02
CPC分类号: F02D13/0261 , F01L1/348 , F01L1/443 , F01L1/446 , F01L7/00 , F01L7/02 , F02B29/083 , F02D9/16 , F01L2113/00 , F02B2075/027 , F02B3/06 , Y02T10/146 , Y02T10/18
摘要: An internal combustion engine has a stator passage leading to a cylinder. An intake poppet valve is disposed between the cylinder and stator passage, and a rotary valve adjoins the opposite end of the stator passage. The rotary valve has a rotor with an elongated tapered rotor passage partially in registration with the stator passage. The rotor is driven by the crankshaft and is adjustable in phase to vary the time of opening and closing of the rotary valve, and is axially shiftable to vary the valve opening duration. A control system responsive to engine speed and load independently varies the rotary valve phase and duration for optimum engine operation.
摘要翻译: 内燃机具有通向气缸的定子通路。 进气提升阀设置在气缸和定子通道之间,旋转阀与定子通道的相对端相邻。 旋转阀具有转子,其具有与定子通道对准的细长锥形转子通道。 转子由曲轴驱动并且可相位调节以改变旋转阀的打开和关闭时间,并且可轴向移动以改变阀打开持续时间。 响应于发动机速度和负载的控制系统独立地改变旋转阀相位和持续时间,以实现最佳发动机运转。
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公开(公告)号:US4991547A
公开(公告)日:1991-02-12
申请号:US534986
申请日:1990-06-08
申请人: Richard S. Davis , Glen R. MacFarlane , Ko-Jen Wu
发明人: Richard S. Davis , Glen R. MacFarlane , Ko-Jen Wu
IPC分类号: F02B29/08 , F01L1/44 , F01L3/20 , F02B29/02 , F02D41/08 , F02M25/07 , F02M35/10 , F02M69/32 , F16K15/16
摘要: An intake port pressure control system comprises an intake passage leading to a cylinder in an engine, and a check valve in the intake passage to allow fluid flow toward the cylinder and obstruct fluid back-flow in the reverse direction. A bypass port is located on the intake passage so that the bypass port communicates with a trapped volume defined by the portion of the intake passage between the check valve and intake valve. The intake port pressure control system further comprises a control valve having an outlet passage, a secondary passage, and an actuator enabling communication between the outlet passage and secondary passage. The actuator further enables active adjustment of the flow area of the flowpath between the secondary passage and outlet passage throughout a range of engine operating conditions. The outlet passage is connected to the bypass port, and the secondary passage is connected to a secondary air source. The control valve enables a controlled air flow therein between the secondary air source and the trapped volume when the intake valve is closed.
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公开(公告)号:US4383813A
公开(公告)日:1983-05-17
申请号:US286286
申请日:1981-07-23
申请人: Allen F. Podell , Richard S. Davis
发明人: Allen F. Podell , Richard S. Davis
CPC分类号: A21C11/16
摘要: A pasta extruder for forming strand-like pasta. The extruder housing has a feed hopper and gears for feeding the pasta mixture to be extruded into the apparatus. An extrusion die plate having a plurality of extrusion orifices is mounted in the housing adjacent to a pressure chamber and axially of said gears.
摘要翻译: 用于形成线状面食的面食挤出机。 挤出机壳体具有进料斗和用于将待挤出的面食混合物进料到装置中的齿轮。 具有多个挤出孔的挤出模板安装在壳体中,邻近压力室并且轴向位于所述齿轮中。
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