公开(公告)号：US20070260537A1

公开(公告)日：2007-11-08

申请号：US11415645

申请日：2006-05-02

申请人： Brian Stone

发明人： Brian Stone

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/042 ,  G06Q20/10

摘要： A system and method for extending a firm offer of credit contingent upon receiving a one-time authorization to execute recurring automatic withdrawals from a deposit account is provided. In providing the one-time authorization to execute recurring automatic withdrawals, a prospective borrower may elect from a plurality of automatic withdrawal repayment options. One such option is electronic fund transfer, such as the initiation of a withdrawal entry into the Automated Clearing House network. A second option is by the remote creation of a paper negotiable instrument, which is then converted into an electronic substitute check capable of electronic routing. Upon receiving the one-time authorization, the lender may make recurring automatic withdrawals from the borrower's deposit account.

摘要翻译： 提供了一种系统和方法，用于在收到一次性授权以从存款账户执行定期自动提款后，延长信用或者有效的提供。 在提供一次性授权以执行经常性自动提款时，潜在借款人可以从多个自动提款还款选项中选择。 一种这样的选择是电子资金转移，例如启动退出进入自动清算中心网络。 第二个选择是通过远程创建可转让票据，然后将其转换为能够进行电子路由的电子替代检查。 收到一次性授权后，贷方可以自行从借款人的存款账户中自动提款。

公开(公告)号：US20060282375A1

公开(公告)日：2006-12-14

申请号：US11160127

申请日：2005-06-09

申请人： Brian Stone

发明人： Brian Stone

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/102 ,  G06Q40/025

摘要： Credit underwriting of bill payments, or other financial transactions on a transaction by transaction basis. A customer is enabled to request the approval of a loan for the payment of a particular financial transaction. The customer provides sufficient information to identify the account and transaction amount. A front end engine performs an approval process and if the customer is approved, provides the terms and conditions of the loan for the payment of the financial transaction. If the customer accepts the terms and conditions, the funds for payment of the transaction are presented to a merchant for payment. The customer is then required to repay the loan after a particular period of time, along with any fees.

摘要翻译： 以交易方式交易账单支付或其他金融交易的信用承销。 客户可以要求批准贷款以支付特定的金融交易。 客户提供足够的信息来识别帐户和交易金额。 前端引擎执行审批程序，如果客户获得批准，则提供贷款的条款和条件以支付金融交易。 如果客户接受条款和条件，交易支付的资金将被提交给商家付款。 客户需要在特定时间段之后偿还贷款以及任何费用。

公开(公告)号：US20060282374A1

公开(公告)日：2006-12-14

申请号：US11160125

申请日：2005-06-09

申请人： Brian Stone

发明人： Brian Stone

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q40/025

摘要： A credit underwriting technique that allows a consumer to gain early access to funds for paying bills or conducting financial transactions contingent upon the consumer having a high-degree of reliability on the reception of future funds, and/or the granting of access to at least a portion of the funds represented by the future funds when received. The access can be in the form of an electronic transfer from an account in which the funds are deposited, or a direct deposit of the funds into either a lender accessible account or into the lenders account directly. The access can be applied for aggregated financial transactions or can be periodically applied for recurring transactions.

摘要翻译： 一种信用承保技术，允许消费者早日获得用于支付账单或进行金融交易的资金，这取决于消费者在接收未来资金方面具有高度的可靠性，和/或授予访问至少一个 部分未来资金所代表的资金在收到时。 访问可以是从存入资金的账户进行电子转帐的形式，或将资金直接存入贷款人可访问账户或直接存入贷方账户。 访问可以应用于汇总的金融交易，也可以定期应用于定期交易。

公开(公告)号：US06178630B2

公开(公告)日：2001-01-30

申请号：US09228832

申请日：1999-01-12

申请人： Lisa Jeanine Jimarez ,  David Noel Light ,  Andrew Michael Seman ,  David Brian Stone

发明人： Lisa Jeanine Jimarez ,  David Noel Light ,  Andrew Michael Seman ,  David Brian Stone

IPC分类号： H05K302

CPC分类号： H05K3/0061 ,  H05K1/111 ,  H05K3/321 ,  H05K3/382 ,  H05K2203/025 ,  H05K2203/0307 ,  H05K2203/0315 ,  H05K2203/1105 ,  Y10T29/49144 ,  Y10T29/49155

摘要： The present invention provides a new device and technique for enhancing the electrical properties of the thick metal backer/adhesive bond/ground plane interface. The enhanced electrical properties are obtained by micro-roughening a connection surface of the thick metal backer prior to forming the thick metal backer/adhesive bond/ground plane interface.

摘要翻译： 本发明提供了一种用于增强厚金属衬底/粘合剂接合/接地平面界面的电性能的新型装置和技术。 通过在形成厚金属衬垫/粘合剂接合/接地平面界面之前，通过对粗金属衬底的连接表面进行微粗化来获得增强的电性能。

公开(公告)号：US5781413A

公开(公告)日：1998-07-14

申请号：US719826

申请日：1996-09-30

申请人： Wayne John Howell ,  John Steven Kresge ,  David Brian Stone ,  James Robert Wilcox

发明人： Wayne John Howell ,  John Steven Kresge ,  David Brian Stone ,  James Robert Wilcox

IPC分类号： H01L21/98 ,  H01L25/065 ,  H05K1/11 ,  H05K1/14 ,  H05K7/02

CPC分类号： H05K1/141 ,  H01L25/0657 ,  H01L25/50 ,  H01L2224/16 ,  H01L2225/06517 ,  H01L2225/06527 ,  H01L2225/06541 ,  H01L2225/06551 ,  H01L2225/06596 ,  H05K1/114 ,  H05K2201/10378 ,  H05K2201/10734

摘要： A technique is disclosed for forming a chip cube from a plurality of chips laminated together in front-to-back relationship, the edges of the chip forming a cube face having a set of connectors for each chip thereon. A number "X" of functional chips is required for the operation, and "X+Y" is the number of chips provided in the stack such that there is Y number of chips greater than the number of functional chips required. If any number of chips equal to Y or less are found to be defective, there are enough chips remaining to perform the required function. Thereafter X number of good chips are connected to output circuitry through an interposer. Electrical connectors are provided on all of the IC chips. Contact pads for all of the connectors are provided on one face, and outlet pads are provided on the opposite face of the interposer for at least Y number of outlets. The interposer has vias at least equal to the number of outlet pads. After assembly, the chips are burnt-in, and if there are enough functional chips after burn-in, the interposer is wired to connect X number of sets of chip pads and the outlet pads through the vias. The chip stack is mounted on the interposer wherein all of the connectors on the cube face are connected to all of the chip mounting pads, but only those which have been selected for functioning chips are connected through the vias to the outlet pads.

摘要翻译： 公开了一种用于从前后关系层叠在一起的多个芯片形成芯片立方体的技术，芯片的边缘形成具有用于其每个芯片的一组连接器的立方体面。 操作需要一个“X”功能芯片，“X + Y”是堆叠中提供的芯片数量，使得Y芯片数量大于所需的功能芯片数量。 如果发现任何数量的等于或等于Y的芯片是有缺陷的，则剩余足够的芯片来执行所需的功能。 此后，X个好的芯片通过插入器连接到输出电路。 所有IC芯片都提供电连接器。 用于所有连接器的接触垫设置在一个面上，并且出口垫设置在插入件的相对面上，用于至少Y个出口。 插入器具有至少等于插座数量的通孔。 组装之后，芯片烧坏，如果老化后有足够的功能芯片，则插入器通过通孔连接X个芯片组和出口焊盘。 芯片堆叠安装在插入器上，其中立方体表面上的所有连接器都连接到所有的芯片安装焊盘，但只有那些已被选择用于功能芯片的连接器通过通孔连接到出口焊盘。

公开(公告)号：US5773195A

公开(公告)日：1998-06-30

申请号：US480300

申请日：1995-06-07

申请人： James Steven Kamperman ,  Thomas Patrick Gall ,  David Brian Stone

发明人： James Steven Kamperman ,  Thomas Patrick Gall ,  David Brian Stone

IPC分类号： H01L21/48 ,  H01L23/498 ,  H01L23/538 ,  H05K1/11 ,  H05K3/00 ,  H05K3/06 ,  H05K3/20 ,  H05K3/34 ,  H05K3/40 ,  H05K3/46 ,  G03F7/00

CPC分类号： H01L23/49827 ,  H01L21/486 ,  H01L23/49833 ,  H01L23/5384 ,  H01L23/5385 ,  H05K1/113 ,  H05K3/0094 ,  H05K3/4015 ,  H01L2224/16225 ,  H01L2924/01019 ,  H01L2924/01078 ,  H01L2924/01079 ,  H01L2924/15313 ,  H05K2201/096 ,  H05K2201/10734 ,  H05K2203/1394 ,  H05K3/062 ,  H05K3/064 ,  H05K3/205 ,  H05K3/3452 ,  H05K3/4614 ,  Y10T29/49126 ,  Y10T29/4913 ,  Y10T29/49142 ,  Y10T29/49144 ,  Y10T29/49149

摘要： A process of forming a multi-layer electronic composite structure. At least one core including at least one functional plane of at least one electrically conducting material having a plane of at least one electrically insulating material on both sides of the at least one plane of at least one electrically conducting material is provided. The at least one core includes a plurality of plated through holes formed therethrough. A pad of an electrically-conducting material is provided over at least one of the plated through holes. The pad provides a flat surface for attaching an electronic device. The pad also prevents solder from entering the at least one plated through hole. Additionally, the pad provides an electrical connection between the electronic device and the at least one core.

摘要翻译： 一种形成多层电子复合结构的方法。 提供了至少一个芯，其包括至少一个导电材料的至少一个功能平面，所述至少一个导电材料在至少一个导电材料的至少一个平面的两侧具有至少一个电绝缘材料的平面。 所述至少一个芯包括穿过其形成的多个电镀通孔。 导电材料的焊盘设置在电镀通孔中的至少一个之上。 垫提供用于附接电子装置的平坦表面。 焊盘还防止焊料进入至少一个电镀通孔。 另外，垫在电子设备和至少一个核之间提供电连接。

公开(公告)号：US5770476A

公开(公告)日：1998-06-23

申请号：US857005

申请日：1997-05-15

申请人： David Brian Stone

发明人： David Brian Stone

IPC分类号： H01L23/498 ,  H01L23/50 ,  H01L23/64 ,  H05K1/16 ,  H05K3/42 ,  H01L21/44

CPC分类号： H05K1/167 ,  H01L23/49838 ,  H01L23/50 ,  H01L23/642 ,  H01L23/645 ,  H01L23/647 ,  H05K1/162 ,  H05K1/165 ,  H01L2224/16 ,  H05K2201/0355 ,  H05K2201/093 ,  H05K2201/09309 ,  H05K2201/096 ,  H05K2201/10378 ,  H05K2201/10666 ,  H05K2203/0361 ,  H05K2203/0455 ,  H05K3/429 ,  Y10S257/924

摘要： An interposer including a first face and a second face opposite the first face and at least one electrically conductive plane. The at least one electrically conductive plane functions as a power, ground, or signal plane. At least one electrically insulating plane is positioned on opposite sides of the at least one electrically conductive plane. A plurality of plated through holes are formed through the at least one electrically conductive planes and the at least two electrically insulating planes. The through holes are selectively electrically joined to the at least one electrically conductive plane. At least one passive electronic structure is positioned within the interposer structure.

摘要翻译： 一种插入器，包括第一面和与第一面相对的第二面和至少一个导电平面。 至少一个导电平面用作电源，接地或信号平面。 至少一个电绝缘平面位于至少一个导电平面的相对侧上。 通过至少一个导电平面和至少两个电绝缘平面形成多个电镀通孔。 通孔选择性地电连接到至少一个导电平面。 至少一个无源电子结构位于插入器结构内。

公开(公告)号：US20130094830A1

公开(公告)日：2013-04-18

申请号：US13531295

申请日：2012-06-22

申请人： Brian Stone ,  Jerry Johnson ,  Joshua Whitney Samuels Atkins

发明人： Brian Stone ,  Jerry Johnson ,  Joshua Whitney Samuels Atkins

IPC分类号： H04N9/80 ,  H04N5/775

CPC分类号： H04N5/775 ,  H04N9/80 ,  H04N21/8541

摘要： Embodiments are disclosed that relate to creating and providing an interactive video program. One disclosed embodiment includes combining a first interactive video segment of a first type and a second interactive video segment of a second, different type than the first segment. The first interactive video segment includes a first video component, a second video component related to the first component, and metadata including information related to a possible user input that triggers the second component. The interactive video program includes an active viewing route that proceeds through the first and second interactive video segments, and includes playback of the second component. The active viewing route is triggered by receipt of an actual user input that corresponds to the possible user input. The interactive video program also includes a passive viewing route that proceeds through the first and second interactive video segments without playback of the second component.

摘要翻译： 公开了涉及创建和提供交互式视频节目的实施例。 一个公开的实施例包括组合第一类型的第一交互式视频片段和与第一片段不同类型的第二交互式视频片段。 第一交互式视频段包括第一视频组件，与第一组件相关的第二视频组件，以及元数据，其包括与触发第二组件的可能用户输入相关的信息。 交互式视频节目包括通过第一和第二交互式视频片段进行的主动观看路线，并且包括第二组件的回放。 通过接收对应于可能的用户输入的实际用户输入来触发主动观看路由。 交互式视频节目还包括经过第一和第二交互式视频段的无源观看路由，而不重放第二组件。

公开(公告)号：US20060282373A1

公开(公告)日：2006-12-14

申请号：US11160124

申请日：2005-06-09

申请人： Brian Stone

发明人： Brian Stone

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q40/025

摘要： A credit underwriting technique that allows a consumer to gain early access to funds for paying bills or conducting financial transactions contingent upon the consumer having a high-degree of reliability on the reception of future funds, and/or the granting of access to at least a portion of the funds represented by the future funds when received. The access can be in the form of a paper check that is issued from an account in which the paycheck is deposited, an electronic fund transfer from the same account, or a direct deposit of the paycheck into either a lender accessible account or into the lenders account directly. The access can be applied for aggregated financial transactions or can be periodically applied for recurring transactions.

摘要翻译： 一种信用承保技术，允许消费者早日获得用于支付账单或进行金融交易的资金，这取决于消费者在接收未来资金方面具有高度的可靠性，和/或授予访问至少一个 部分未来资金所代表的资金在收到时。 访问的形式可以是从存入工资单的帐户发出的纸质支票，从同一帐户转移电子资金，或将工资单直接存入贷款人可访问账户或贷方中 帐户直接。 访问可以应用于汇总的金融交易，也可以定期应用于定期交易。

公开(公告)号：US20060089539A1

公开(公告)日：2006-04-27

申请号：US10972502

申请日：2004-10-25

申请人： Saul Miodownik ,  Paul Frisch ,  Paul Booth ,  Brian Stone

发明人： Saul Miodownik ,  Paul Frisch ,  Paul Booth ,  Brian Stone

IPC分类号： A61B5/00 ,  G06Q10/00

CPC分类号： G06Q50/22 ,  G06F19/3418

摘要： Techniques for integrating messages from a medical care devices used to monitor or treat a patient include receiving association data. The association data indicates an association between a particular patient and one portable communication device assigned to one primary medical caregiver. The association data also indicates multiple associations between the patient and corresponding medical data generators. A medical data generator provides medical data to support an alert that indicates attention is desired from a medical caregiver. The medical data generators direct their data to diverse destinations. If an alert is issued based on any of the medical data generators, the portable communication device is determined based on the alert and the association data, a caregiver message is generated based on the alert, and the caregiver message is sent to the portable communication device. These techniques allow alerts from multiple medical devices to be integrated onto a single portable communication device.

摘要翻译： 用于整合来自用于监测或治疗患者的医疗保健装置的消息的技术包括接收关联数据。 关联数据指示特定患者和分配给一个初级医疗护理者的一个便携式通信设备之间的关联。 关联数据还指示患者和相应医疗数据发生器之间的多个关联。 医疗数据发生器提供医疗数据以支持指示医疗照护者需要注意的警报。 医疗数据发生器将其数据引导到多个目的地。 如果基于任何医疗数据生成器发出警报，则基于警报和关联数据确定便携式通信设备，基于警报生成看护者消息，并且将照顾者消息发送到便携式通信设备 。 这些技术允许来自多个医疗设备的警报被集成到单个便携式通信设备上。