公开(公告)号：US20110022541A1

公开(公告)日：2011-01-27

申请号：US12707067

申请日：2010-02-17

申请人： Grant F. Miles ,  Shelley C. Turner ,  Richard M. Bair ,  Roy M. Witt ,  Peter A. Sesterhenn ,  Manping Wang ,  Jin Peng ,  Yew-Young Loo ,  Ozgen Sayginsoy ,  Michael A. Beene ,  Nikhil N. Mehra ,  Ian J. Rehmert

发明人： Grant F. Miles ,  Shelley C. Turner ,  Richard M. Bair ,  Roy M. Witt ,  Peter A. Sesterhenn ,  Manping Wang ,  Jin Peng ,  Yew-Young Loo ,  Ozgen Sayginsoy ,  Michael A. Beene ,  Nikhil N. Mehra ,  Ian J. Rehmert

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q40/06

摘要： Embodiments of the invention include a computer implemented method for automatically modifying the terms of a plurality of mortgages within a portfolio of mortgages, such that, monthly payments for the plurality of mortgages are reduced. The method includes calculating a current net present value for each of the mortgages in the portfolio of mortgages. The method also includes calculating a plurality of future net present values for each of the mortgages in the portfolio, each future net present value corresponding to one set of modified loan terms. The method also includes selecting the largest calculated future net present value. The method also includes automatically modifying the loan terms of each of the plurality of mortgages where the largest future net present value is greater than the current net present value. Loan terms are modified to correspond to the modified loan terms resulting in the largest net present value.

摘要翻译： 本发明的实施例包括一种计算机实现的方法，用于自动修改抵押组合内的多个抵押贷款的条款，使得减少多个抵押贷款的每月支付。 该方法包括计算抵押组合中每个按揭的现值净现值。 该方法还包括计算投资组合中每个抵押贷款的多个未来净现值，每个未来净现值对应于一组修改贷款期限。 该方法还包括选择最大计算的未来净现值。 该方法还包括自动修改多个抵押贷款中的最大未来净现值大于当前净现值的贷款期限。 贷款条款被修改为对应于修改的贷款条款，导致最大的净现值。

公开(公告)号：US4989280A

公开(公告)日：1991-02-05

申请号：US475837

申请日：1990-02-06

申请人： Richard M. Bair

发明人： Richard M. Bair

IPC分类号： A61G7/02

CPC分类号： A61G7/02

摘要： An invalid toilet is disclosed which is used in combination with an air inflated hospital bed which typically have a plurality of individually inflatable air sacks. The invalid toilet is stored in a cabinet member in a position such that it makes efficient use of hospital space. A control means is disclosed that may be actuated by the patient to move the invalid toilet to a "use" position. The control means causes the air inflatable sack at the center of the hospital bed to deflate and the invalid toilet is moved over this central area. The control means provide a signal to a remote nurses station to allow the nurse to monitor the use of the invalid toilet by the patient. The nurses station is provided with a stop switch to stop movement of the invalid toilet. The control means also record the time of actuation. The invalid toilet contains storage containers which store waster material and clean water and these waste containers are made easily accessible to service personnel. The invalid toilet disclosed by this invention is relatively simple, makes sufficient use of space, and does not require frequent attention by service or medical personnel. Thus, it is a practical solution to the problems faced by patients in a hospital environment.

摘要翻译： 公开了一种无效的马桶，其与通常具有多个可单独充气的空气袋的充气医院床组合使用。 将无效的马桶存放在柜体中，使其有效利用医院空间。 公开了一种控制装置，其可由患者致动以将无效马桶移动到“使用”位置。 控制装置使医院病床中央的充气袋收缩，无效的马桶在该中心区域移动。 控制装置向远程护士站提供信号，以允许护士监测病人对无效厕所的使用情况。 护士站设有停止开关，以阻止无效马桶的移动。 控制装置还记录启动时间。 无菌马桶含有存储废物和清洁水的储存容器，使这些废物容器容易接触到维修人员。 本发明公开的无效马桶比较简单，充分利用空间，不需要服务人员或医务人员的频繁关注。 因此，这是医院环境患者面临的问题的实际解决方案。

公开(公告)号：US08380619B2

公开(公告)日：2013-02-19

申请号：US12707067

申请日：2010-02-17

申请人： Grant F. Miles ,  Shelley C. Turner ,  Richard M. Bair ,  Roy M. Witt ,  Peter A. Sesterhenn ,  Manping Wang ,  Jin Peng ,  Yew-Young Loo ,  Ozgen Sayginsoy ,  Michael A. Beene ,  Nikhil N. Mehra ,  Ian J. Rehmert

发明人： Grant F. Miles ,  Shelley C. Turner ,  Richard M. Bair ,  Roy M. Witt ,  Peter A. Sesterhenn ,  Manping Wang ,  Jin Peng ,  Yew-Young Loo ,  Ozgen Sayginsoy ,  Michael A. Beene ,  Nikhil N. Mehra ,  Ian J. Rehmert

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q40/06

摘要： Embodiments of the invention include a computer implemented method for automatically modifying the terms of a plurality of mortgages within a portfolio of mortgages, such that, monthly payments for the plurality of mortgages are reduced. The method includes calculating a current net present value for each of the mortgages in the portfolio of mortgages. The method also includes calculating a plurality of future net present values for each of the mortgages in the portfolio, each future net present value corresponding to one set of modified loan terms. The method also includes selecting the largest calculated future net present value. The method also includes automatically modifying the loan terms of each of the plurality of mortgages where the largest future net present value is greater than the current net present value. Loan terms are modified to correspond to the modified loan terms resulting in the largest net present value.

摘要翻译： 本发明的实施例包括一种计算机实现的方法，用于自动修改抵押组合内的多个抵押贷款的条款，使得减少多个抵押贷款的每月支付。 该方法包括计算抵押组合中每个按揭的现值净现值。 该方法还包括计算投资组合中每个抵押贷款的多个未来净现值，每个未来净现值对应于一组修改贷款期限。 该方法还包括选择最大计算的未来净现值。 该方法还包括自动修改多个抵押贷款中的最大未来净现值大于当前净现值的贷款期限。 贷款条款被修改为对应于修改的贷款条款，导致最大的净现值。