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    Apparatus, systems and methods for providing investment performance enhanced life insurance products
    42.
    发明授权
    Apparatus, systems and methods for providing investment performance enhanced life insurance products 有权
    提供投资业绩的设备，系统和方法增强人寿保险产品

    公开(公告)号：US08027852B2

    公开(公告)日：2011-09-27

    申请号：US12184391

    申请日：2008-08-01

    Applicant: Christopher Joseph Fievoli ,  Mark David Edwards ,  Michelle Maria Enrica Lennox ,  Stephen Ted Krupicz

    Inventor： Christopher Joseph Fievoli ,  Mark David Edwards ,  Michelle Maria Enrica Lennox ,  Stephen Ted Krupicz

    IPC: G06Q40/00

    CPC classification number: G06Q40/08 ,  G06Q40/00 ,  G06Q40/06

    Abstract: A system for providing an insurance product for at least one insured customer, including a communication device for receiving at least one application, each application associated with an applicant and including information about the applicant, a processor configured to determine for each application if the applicant qualifies as an insured customer, and a memory configured for storing an account record associated with each insured customer having at least one insured event associated with that insured customer, a benefit amount payable in association with the at least one insured event, an insurance cost, and a cash value based on predetermined account record factors, wherein the processor may define a reserve fund, determine an investment performance associated with the reserve fund during at least one period of time, and calculate a performance credit amount based on the investment performance of the reserve fund and the cash value.

    Abstract translation: 一种用于为至少一个被保险客户提供保险产品的系统，包括用于接收至少一个应用的通信设备，与申请人相关联的每个应用，并且包括关于申请者的信息;处理器，被配置为：如果申请人符合条件 作为被保险的客户，以及被配置为存储与每个被保险客户相关联的帐户记录的存储器，所述客户记录具有与所述被保险客户相关联的至少一个投保事件，与所述至少一个投保事件相关联的利益金额，保险成本和 基于预定账户记录因素的现金价值，其中处理者可以定义储备基金，在至少一个时间段内确定与储备金相关联的投资表现，并且基于储备金的投资表现来计算绩效信用额度 基金和现金价值。

    Determining transit time across an asynchronous FIFO memory by measuring fractional occupancy
    44.
    发明授权
    Determining transit time across an asynchronous FIFO memory by measuring fractional occupancy 有权
    通过测量分数占用来确定跨异步FIFO存储器的传输时间

    公开(公告)号：US07594048B1

    公开(公告)日：2009-09-22

    申请号：US11893004

    申请日：2007-08-14

    Applicant: Gareth David Edwards ,  David Finlay Taylor ,  Duncan Andrew Cockburn ,  Douglas Michael Grant ,  Stuart Alan Nisbet

    Inventor： Gareth David Edwards ,  David Finlay Taylor ,  Duncan Andrew Cockburn ,  Douglas Michael Grant ,  Stuart Alan Nisbet

    IPC: G06F3/00

    CPC classification number: G06F5/12

    Abstract: Measuring transit time across an asynchronous first-in-first-out (FIFO) memory can include sampling an indication of a value of a read pointer of the FIFO memory at a sampling frequency that exceeds a frequency of a read clock and a write clock of the FIFO memory. An indication of a value of a write pointer of the FIFO memory can be sampled at the sampling frequency. For each sampling period, a measure of occupancy of the FIFO memory can be calculated according to a sampled pair including the indication of the value of the read pointer and the indication of the value of the write pointer. The measure of occupancy can be averaged over a predetermined number of cycles of the sampling frequency. The averaged measure of occupancy can be output as an indication of transit time across the FIFO memory.

    Abstract translation: 跨越异步先入先出（FIFO）存储器测量传输时间可以包括以超过读取时钟的频率和读取时钟的采样频率对FIFO存储器的读指针的值的指示进行采样 FIFO存储器。 可以以采样频率对FIFO存储器的写指针的值的指示进行采样。 对于每个采样周期，可以根据包括读指针的值的指示和写指针的值的指示的采样对来计算FIFO存储器的占用量。 可以在采样频率的预定数量的周期内对占用的量度进行平均。 可以将占用的平均度量输出为FIFO存储器上的传输时间的指示。

    Method and device for decreasing contamination
    49.
    发明申请
    Method and device for decreasing contamination 有权

    公开(公告)号：US20080038207A1

    公开(公告)日：2008-02-14

    申请号：US11827031

    申请日：2007-07-10

    Applicant: David Edwards ,  Mark Gabrielson ,  Robert Clarke ,  Wesley Dehaan ,  Matthew Brande ,  Jonathan Man

    Inventor： David Edwards ,  Mark Gabrielson ,  Robert Clarke ,  Wesley Dehaan ,  Matthew Brande ,  Jonathan Man

    IPC: A61K31/70 ,  A01N37/18

    CPC classification number: A61B5/097 ,  G01N33/497

    Abstract: Methods and devices to determine rate of particle production and the size range for the particles produced for an individual are described herein. The device (10) contains a mouthpiece (12), a filter (14), a low resistance one-way valve (16), a particle counter (20) and a computer (30). Optionally, the device also contains a gas flow meter (22). The data obtained using the device can be used to determine if a formulation for reducing particle exhalation should be administered to an individual. This device is particularly useful prior to and/or following entry in a cleanroom to ensure that the cleanroom standards are maintained. The device can also be used to identify animals and humans who have an enhanced propensity to exhale aerosols (referred to herein as “over producers”, “super-producers”, or “superspreaders”). Formulations to reduce particle production are also described herein. The formulation is administered in an amount sufficient to alter biophysical properties in the mucosal linings of the body. When applied to mucosal lining fluids, the formulation alters the physical properties such as the gel characteristics at the air/liquid interface, surface elasticity, surface viscosity, surface tension and bulk viscoelasticity of the mucosal lining. The formulation is administered in an effective amount to minimize ambient contamination due to particle formation during breathing, coughing, sneezing, or talking, which is particularly important in cleanroom applications. In one embodiment, the formulation for administration is a non-surfactant solution. In one embodiment, the formulations are conductive formulations containing conductive agents, such as salts, ionic surfactants, or other substances that are in an ionized state or easily ionized in an aqueous or organic solvent environment. Preferably the formulation is administered in the form of an aerosol.

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