-
1.发明授权公开(公告)号：US07849009B2
公开(公告)日：2010-12-07
申请号：US10336671
申请日：2003-01-02
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/102 , G06Q40/00 , G06Q40/02
摘要： The present invention provides exemplary bill paying service methods and systems. One such bill paying service method (1000) includes enrolling a subscriber (Step 1010) who is a debtor to a first creditor and who has authorized debits to be taken from a designated account. The designated account is adapted to periodically receive a payroll deposit on a first regular schedule that is over time in excess of a minimum payment on a first debt owed by the debtor to the first creditor. The designated account is periodically debited, and any funds obtained are used to credit a custody account (Step 1012). The first creditor is paid (Step 1016), on behalf of the debtor and from the custody account, on a second regular schedule that differs from the first regular schedule. Paying the first creditor occurs in an amount calculated for an accelerated repayment of the first debt (Step 1014). Such excess is used to accelerate the repayment of various loans and debts according to what particular application at that time will have the greatest long-term beneficial effect.
摘要翻译： 本发明提供了示例性的付费支付服务方法和系统。 一种这样的付费方式（1000）包括向第一债权人登记作为债务人的订户（步骤1010），以及从指定账户获得借记的授权。 指定账户适用于按照债务人欠第一债权人的第一笔债务超过最低付款时间的第一个定期时间表定期收到工资单。 指定账户被定期借记，所获得的任何资金用于贷记保管账户（步骤1012）。 第一个债权人按照与第一个定期时间表不同的第二个定期时间表，代表债务人和托管帐户支付（步骤1016）。 支付第一债权人是以加快偿还第一笔债务计算的金额（步骤1014）。 这种超额用于根据当时具体的应用具有最大的长期有益效果，加快偿还各种贷款和债务。
-
2.发明申请METHODS AND SYSTEMS FOR ACTIVELY OPTIMIZING A CREDIT SCORE AND MANAGING/REDUCING DEBT 有权积极优化信用评分和管理/减少债务的方法和系统公开(公告)号：US20120317014A1
公开(公告)日：2012-12-13
申请号：US13323344
申请日：2011-12-12
IPC分类号： G06Q40/02
CPC分类号： G06Q40/025 , G06Q20/102 , G06Q30/04 , G06Q40/00 , G06Q40/02 , G06Q40/06 , G06Q40/128
摘要： The invention provides various systems and methods for actively optimizing a credit score and reducing debt. The method includes receiving a credit report including credit accounts, balances, interest rates, and rate types for the credit accounts. The method further receives bank account and payroll information, as well as fixed and variable expense information. The method then generates a financial report based on the received information. Based on the financial report, the method calculates a payment amount, and determines available unassigned income. An allocation of the available income for debt reduction and credit score optimization is received, and the method dynamically allocates the funds to pay the credit accounts, the fixed expenses, and variable expenses such that the customer's debt is reduced and the customer's credit score is improved.
摘要翻译： 本发明提供了用于积极优化信用评分和减少债务的各种系统和方法。 该方法包括接收信用报告，包括信用账户的信用账户，余额，利率和信用账户的利率类型。 该方法还收到银行账户和工资单信息，以及固定和可变费用信息。 然后，该方法基于接收到的信息生成财务报告。 根据财务报告，该方法计算支付金额，确定未分配收入。 收到债务减免和信用评分优化可用收入分配，动态分配资金支付信用账户，固定费用和可变费用，使客户的债务减少，客户信用评分得到改善 。
-
3.发明申请METHODS AND SYSTEMS FOR ACTIVELY OPTIMIZING A CREDIT SCORE AND MANAGING/REDUCING DEBT 有权积极优化信用评分和管理/减少债务的方法和系统公开(公告)号：US20090063330A1
公开(公告)日：2009-03-05
申请号：US12178314
申请日：2008-07-23
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q20/102 , G06Q30/04 , G06Q40/00 , G06Q40/02 , G06Q40/06 , G06Q40/128
摘要： The invention provides various systems and methods for actively optimizing a credit score and reducing debt. The method includes receiving a credit report including credit accounts, balances, interest rates, and rate types for the credit accounts. The method further receives bank account and payroll information, as well as fixed and variable expense information. The method then generates a financial report based on the received information. Based on the financial report, the method calculates a payment amount, and determines available unassigned income. An allocation of the available income for debt reduction and credit score optimization is received, and the method dynamically allocates the funds to pay the credit accounts, the fixed expenses, and variable expenses such that the customer's debt is reduced and the customer's credit score is improved.
摘要翻译： 本发明提供了用于积极优化信用评分和减少债务的各种系统和方法。 该方法包括接收信用报告，包括信用账户的信用账户，余额，利率和信用账户的利率类型。 该方法还收到银行账户和工资单信息，以及固定和可变费用信息。 然后，该方法基于接收到的信息生成财务报告。 根据财务报告，该方法计算支付金额，确定未分配收入。 收到债务减免和信用评分优化可用收入分配，动态分配资金支付信用账户，固定费用和可变费用，使客户的债务减少，客户信用评分得到改善 。
-
4.发明授权Methods and systems for actively optimizing a credit score and managing/reducing debt 有权积极优化信用评分和管理/减少债务的方法和系统公开(公告)号：US08078527B2
公开(公告)日：2011-12-13
申请号：US12178314
申请日：2008-07-23
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q20/102 , G06Q30/04 , G06Q40/00 , G06Q40/02 , G06Q40/06 , G06Q40/128
摘要： The invention provides various systems and methods for actively optimizing a credit score and reducing debt. The method includes receiving a credit report including credit accounts, balances, interest rates, and rate types for the credit accounts. The method further receives bank account and payroll information, as well as fixed and variable expense information. The method then generates a financial report based on the received information. Based on the financial report, the method calculates a payment amount, and determines available unassigned income. An allocation of the available income for debt reduction and credit score optimization is received, and the method dynamically allocates the funds to pay the credit accounts, the fixed expenses, and variable expenses such that the customer's debt is reduced and the customer's credit score is improved.
摘要翻译： 本发明提供了用于积极优化信用评分和减少债务的各种系统和方法。 该方法包括接收信用报告，包括信用账户的信用账户，余额，利率和信用账户的利率类型。 该方法还收到银行账户和工资单信息，以及固定和可变费用信息。 然后，该方法基于接收到的信息生成财务报告。 根据财务报告，该方法计算支付金额，确定未分配收入。 收到减免可得收入和信用评分优化的分配方法，动态分配资金支付信用账户，固定费用和可变费用，使客户的债务减少，客户信用评分得到改善 。
-
5.发明授权Methods and systems for actively optimizing a credit score and managing/reducing debt 有权积极优化信用评分和管理/减少债务的方法和系统公开(公告)号：US08417627B2
公开(公告)日：2013-04-09
申请号：US13323344
申请日：2011-12-12
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q20/102 , G06Q30/04 , G06Q40/00 , G06Q40/02 , G06Q40/06 , G06Q40/128
摘要： The invention provides various systems and methods for actively optimizing a credit score and reducing debt. The method includes receiving a credit report including credit accounts, balances, interest rates, and rate types for the credit accounts. The method further receives bank account and payroll information, as well as fixed and variable expense information. The method then generates a financial report based on the received information. Based on the financial report, the method calculates a payment amount, and determines available unassigned income. An allocation of the available income for debt reduction and credit score optimization is received, and the method dynamically allocates the funds to pay the credit accounts, the fixed expenses, and variable expenses such that the customer's debt is reduced and the customer's credit score is improved.
摘要翻译： 本发明提供了用于积极优化信用评分和减少债务的各种系统和方法。 该方法包括接收信用报告，包括信用账户的信用账户，余额，利率和信用账户的利率类型。 该方法还收到银行账户和工资单信息，以及固定和可变费用信息。 然后，该方法基于接收到的信息生成财务报告。 根据财务报告，该方法计算支付金额，确定未分配收入。 收到减免可得收入和信用评分优化的分配方法，动态分配资金支付信用账户，固定费用和可变费用，使客户的债务减少，客户信用评分得到改善 。
-
6.发明授权公开(公告)号：US08090594B2
公开(公告)日：2012-01-03
申请号：US10373578
申请日：2003-02-24
申请人： William R. Grant , Michael W. Rogers , Mary Lou Corrigan , Michael F. Gallagher , Tony A. Muniz
发明人： William R. Grant , Michael W. Rogers , Mary Lou Corrigan , Michael F. Gallagher , Tony A. Muniz
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06F19/00 , G06Q20/10 , G06Q20/4014 , G06Q40/00 , G06Q40/02 , G06Q40/06 , G06Q50/24
摘要： The present invention provides systems and methods for implementing variable financial plans. The methods can include identifying an account, and accessing an account planning tool. Characteristics associated with the account are presented to the account planning tool, and an account plan is developed using the planning tool. Based at least in part on the account plan, a funds transfer is facilitated from a source of funds to the account. Activity in the account is monitored, and the account plan is modified in response to activity detected in the account plan.
摘要翻译： 本发明提供了用于实施可变财务计划的系统和方法。 这些方法可以包括识别帐户和访问帐户计划工具。 与帐户相关联的特征将提交给帐户计划工具，并使用计划工具开发一个帐户计划。 至少部分基于账户计划，从资金来源到账户资金转移。 监控帐户中的活动，并根据帐户计划中检测到的活动修改帐户计划。
-
公开(公告)号：US07747525B2
公开(公告)日：2010-06-29
申请号：US10302762
申请日：2002-11-22
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/10 , G06Q20/4014 , G06Q40/00 , G06Q40/02 , G06Q40/025
摘要： The present invention provides systems and methods for customizing fixed rate and variable rate mortgages. In some cases, the methods include accessing mortgage information and identifying at least a first characteristic of the mortgage to be modified. In addition, a first funds transfer is authorized to facilitate modification of the first characteristic. The mortgage is also monitored and changes in any relevant characteristics are identified. Where changes in a second relevant characteristic is detected, a second funds transfer is authorized to facilitate modification of the first characteristic to compensate for the change in the second characteristic.
摘要翻译： 本发明提供了定制固定利率和可变利率抵押贷款的系统和方法。 在某些情况下，这些方法包括获取抵押贷款信息，并确定要修改的抵押贷款的至少第一个特征。 此外，第一次资金转移被授权以便于修改第一特征。 还监测抵押贷款，并确定任何相关特征的变化。 在检测到第二相关特征的变化的情况下，授权第二资金转移以便于修改第一特征以补偿第二特性的变化。
-
公开(公告)号：US07964026B2
公开(公告)日：2011-06-21
申请号：US11487643
申请日：2006-07-17
申请人： Michael W. Rogers
发明人： Michael W. Rogers
CPC分类号： B01D53/14 , C10J3/26 , C10J3/30 , C10J3/32 , C10J3/34 , C10J3/42 , C10J3/723 , C10J2200/158 , C10J2300/0956 , C10J2300/0973 , C10J2300/1807 , C10K1/101
摘要： A gasification system having a combustor vessel, an optional scrubber vessel, an optional fixer vessel, an optional cyclone vessel and an optional demister vessel. A wide variety of possibly moist solid or semi-solid carbonaceous fuels may be partially combusted in the combustor to generate a combustible gas and a mineral ash. An improved ash support and removal subsystem reduces clogging and other problems. The combustible gas is conveyed by optional heavy-duty blowers through the optional vessels to remove liquids and particulates and to undergo catalytic chemical reactions to provide a relatively clean, dry, highly-combustible hydrocarbon gas that captures a relatively high fraction of the potential heating value of the fuel. Internal gases, liquids and particulates from the vessels may be recycled inside the system to improve efficiency and prevent liquid waste. A portion of the internal liquids may also be extracted for other uses.
摘要翻译： 具有燃烧器容器，任选的洗涤器容器，任选的定影容器，任选的旋风容器和可选的除雾器容器的气化系统。 各种可能潮湿的固体或半固体碳质燃料可以在燃烧器中部分燃烧以产生可燃气体和矿物灰分。 改进的灰分支持和去除子系统减少堵塞和其他问题。 可燃气体由任选的重型鼓风机通过任选的容器输送，以去除液体和颗粒物并进行催化化学反应，以提供相对干净，高度可燃的烃气体，其捕获潜在发热值的相对高的一部分 的燃料。 来自容器的内部气体，液体和颗粒可以在系统内循环，以提高效率并防止液体浪费。 内部液体的一部分也可以被提取用于其他用途。
-
公开(公告)号：US08216345B2
公开(公告)日：2012-07-10
申请号：US12082428
申请日：2008-04-10
CPC分类号： B01D53/14 , C10J3/26 , C10J3/30 , C10J3/32 , C10J3/34 , C10J3/42 , C10J3/723 , C10J2200/158 , C10J2300/0956 , C10J2300/0973 , C10J2300/1807 , C10K1/101
摘要： A gasification system is disclosed having a combustion or reaction vessel, a scrubber housing, and a filter housing. A carbonaceous fuel is partially combusted in the reaction vessel to generate a combustible gas. An improved ash support and removal system reduces clogging and other problems in the reaction vessel. The combustible gas passes through the scrubber housing to remove matter such as tar and oil, and the scrubbed gas passes through a hybrid blower to the filter housing. Wood chips are used in the filter housing to provide a relatively clean, dry gas. Wastewater and other waste products from the scrubber housing and filter housing are captured and returned to the reaction vessel.
摘要翻译： 公开了一种具有燃烧或反应容器，洗涤器壳体和过滤器壳体的气化系统。 碳质燃料在反应容器中部分燃烧，产生可燃气体。 改进的灰分支持和去除系统减少了反应容器中的堵塞和其它问题。 可燃气体通过洗涤器壳体以去除焦油和油等物质，并且经过洗涤的气体通过混合式鼓风机进入过滤器壳体。 过滤器壳体中使用木屑来提供相对干净的干燥气体。 来自洗涤器壳体和过滤器壳体的废水和其它废物被捕获并返回到反应容器中。
-
公开(公告)号：US20080250927A1
公开(公告)日：2008-10-16
申请号：US12082428
申请日：2008-04-10
IPC分类号： B01D50/00
CPC分类号： B01D53/14 , C10J3/26 , C10J3/30 , C10J3/32 , C10J3/34 , C10J3/42 , C10J3/723 , C10J2200/158 , C10J2300/0956 , C10J2300/0973 , C10J2300/1807 , C10K1/101
摘要： A gasification system is disclosed having a combustion or reaction vessel, a scrubber housing, and a filter housing. A carbonaceous fuel is partially combusted in the reaction vessel to generate a combustible gas. An improved ash support and removal system reduces clogging and other problems in the reaction vessel. The combustible gas passes through the scrubber housing to remove matter such as tar and oil, and the scrubbed gas passes through a hybrid blower to the filter housing. Wood chips are used in the filter housing to provide a relatively clean, dry gas. Wastewater and other waste products from the scrubber housing and filter housing are captured and returned to the reaction vessel.
摘要翻译： 公开了一种具有燃烧或反应容器，洗涤器壳体和过滤器壳体的气化系统。 碳质燃料在反应容器中部分燃烧，产生可燃气体。 改进的灰分支持和去除系统减少了反应容器中的堵塞和其它问题。 可燃气体通过洗涤器壳体以去除焦油和油等物质，并且经过洗涤的气体通过混合式鼓风机进入过滤器壳体。 过滤器壳体中使用木屑来提供相对干净的干燥气体。 来自洗涤器壳体和过滤器壳体的废水和其它废物被捕获并返回到反应容器中。
-
-
-
-
-
-
-
-
-
搜索结果
15 条记录 (耗时 0.021 秒)
