公开(公告)号：US08535996B2

公开(公告)日：2013-09-17

申请号：US12865838

申请日：2008-03-13

申请人： Mohamad Shaheen ,  Frederic Allibert ,  Gweltaz Gaudin ,  Fabrice Lallement ,  Didier Landru ,  Karin Landry ,  Carlos Mazure

发明人： Mohamad Shaheen ,  Frederic Allibert ,  Gweltaz Gaudin ,  Fabrice Lallement ,  Didier Landru ,  Karin Landry ,  Carlos Mazure

IPC分类号： H01L21/84

CPC分类号： H01L29/78603 ,  H01L29/32 ,  H01L29/7841 ,  H01L31/0248

摘要： Embodiments of the invention relate to substrates comprising a base wafer, an insulating layer and a top semiconductor layer, wherein the insulating layer comprises at least a zone wherein a density of charges is in absolute value higher than 1010 charges/cm2. The invention also relates to processes for making such substrates.

摘要翻译： 本发明的实施例涉及包括基底晶片，绝缘层和顶部半导体层的基板，其中绝缘层至少包括电荷密度高于1010电荷/ cm 2的绝对值的区域。 本发明还涉及制造这种基材的方法。

公开(公告)号：US07761352B2

公开(公告)日：2010-07-20

申请号：US11157161

申请日：2005-06-21

申请人： Karin Landry

发明人： Karin Landry

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08 ,  G06F19/00 ,  G06Q10/1057 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/06 ,  G06Q50/22

摘要： An insurance program for funding benefits by maintaining assets in the insurance program that includes an employer or employee owned trust account and at least one life insurance contract or non-cancelable accident and health insurance contract obtained directly or indirectly from a captive insurance company. The life insurance contract or non-cancelable accident and health insurance contract is purchased with assets from the trust account and the captive insurance company is a least partially owned by the employer. When paying or reimbursing benefits, the employer or the trust may pay the benefit and if the employer pays the benefit, the trust may reimburse the employer.

摘要翻译： 通过维护包括雇主或雇员拥有的信托账户在内的保险资产的资产，以及直接或间接从专属保险公司获得的至少一项人寿保险合同或不可取消的意外和健康保险合同，为保险计划提供资金。 人寿保险合同或不可取消事故和健康保险合同是从信托账户资产购买的，并且被保险公司至少部分由雇主拥有。 支付或报销福利时，雇主或信托可以支付利益，如果雇主支付利益，信托可以偿付雇主。

公开(公告)号：US20120323610A1

公开(公告)日：2012-12-20

申请号：US13593176

申请日：2012-08-23

申请人： Karin Landry

发明人： Karin Landry

IPC分类号： G06Q40/08

CPC分类号： G06Q10/1057 ,  G06Q40/06 ,  G06Q40/08

摘要： An investment program for funding benefits by maintaining assets in the investment program that includes an employer owned trust account and at least one life, disability, health or annuity contract (including a terminal annuity) obtained directly or indirectly from a partially or wholly owned or non-owned captive insurance company. The insurance contract is purchased with assets from the trust account and the partially or wholly owned or non-owned captive insurance company is a least partially, wholly or non-owned by the employer. When paying or reimbursing benefits, the employer or the trust may pay the benefit and if the employer pays the benefit, the trust may reimburse the employer.

摘要翻译： 通过维持投资计划中的资产，包括雇主拥有的信托账户和至少一项直接或间接从部分或全部拥有的或非全资拥有的信托账户获得的生命，残疾，健康或年金合同（包括终端年金） 独资保险公司。 保险合同与信托账户的资产一并购买，部分或全资或非拥有的保险公司至少部分由雇主全部或非拥有。 支付或报销福利时，雇主或信托可以支付利益，如果雇主支付利益，信托可以偿付雇主。

公开(公告)号：US20120022899A1

公开(公告)日：2012-01-26

申请号：US13248737

申请日：2011-09-29

申请人： Karin Landry

发明人： Karin Landry

IPC分类号： G06Q40/00 ,  G06Q10/00

CPC分类号： G06Q40/08 ,  G06F19/00 ,  G06Q10/1057 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/06 ,  G06Q50/22

摘要： An insurance program for funding benefits by maintaining assets in the insurance program that includes an employer or employee owned trust account and at least one life insurance contract or non-cancelable accident and health insurance contract obtained directly or indirectly from a captive insurance company. The life insurance contract or non-cancelable accident and health insurance contract is purchased with assets from the trust account and the captive insurance company is at least partially owned by the employer. When paying or reimbursing benefits, the employer or the trust may pay the benefit and if the employer pays the benefit, the trust may reimburse the employer.

摘要翻译： 通过维护包括雇主或雇员拥有的信托账户在内的保险资产的资产，以及直接或间接从专属保险公司获得的至少一项人寿保险合同或不可取消的意外和健康保险合同，为保险计划提供资金。 人寿保险合同或不可撤销的事故和健康保险合同是从信托账户资产购买的，并且被保险公司至少部分由雇主拥有。 支付或报销福利时，雇主或信托可以支付利益，如果雇主支付利益，信托可以偿付雇主。

公开(公告)号：US08060387B2

公开(公告)日：2011-11-15

申请号：US12801423

申请日：2010-06-08

申请人： Karin Landry

发明人： Karin Landry

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08 ,  G06F19/00 ,  G06Q10/1057 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/06 ,  G06Q50/22

摘要： An insurance program for funding benefits by maintaining assets in the insurance program that includes an employer or employee owned trust account and at least one life insurance contract or non-cancelable accident and health insurance contract obtained directly or indirectly from a captive insurance company. The life insurance contract or non-cancelable accident and health insurance contract is purchased with assets from the trust account and the captive insurance company is at least partially owned by the employer. When paying or reimbursing benefits, the employer or the trust may pay the benefit and if the employer pays the benefit, the trust may reimburse the employer.

摘要翻译： 通过维护包括雇主或雇员拥有的信托账户在内的保险资产的资产，以及直接或间接从专属保险公司获得的至少一项人寿保险合同或不可取消的意外和健康保险合同，为保险计划提供资金。 人寿保险合同或不可撤销的事故和健康保险合同是从信托账户资产购买的，并且被保险公司至少部分由雇主拥有。 支付或报销福利时，雇主或信托可以支付利益，如果雇主支付利益，信托可以偿付雇主。

公开(公告)号：US08676686B2

公开(公告)日：2014-03-18

申请号：US13593176

申请日：2012-08-23

申请人： Karin Landry

发明人： Karin Landry

IPC分类号： G06Q40/00

CPC分类号： G06Q10/1057 ,  G06Q40/06 ,  G06Q40/08

摘要： An investment program for funding benefits by maintaining assets in the investment program that includes an employer owned trust account and at least one life, disability, health or annuity contract (including a terminal annuity) obtained directly or indirectly from a partially or wholly owned or non-owned captive insurance company. The insurance contract is purchased with assets from the trust account and the partially or wholly owned or non-owned captive insurance company is a least partially, wholly or non-owned by the employer. When paying or reimbursing benefits, the employer or the trust may pay the benefit and if the employer pays the benefit, the trust may reimburse the employer.

摘要翻译： 通过维持投资计划中的资产，包括雇主拥有的信托账户和至少一项直接或间接从部分或全部拥有的或非全资拥有的信托账户获得的生命，残疾，健康或年金合同（包括终端年金） 独资保险公司。 保险合同与信托账户的资产一并购买，部分或全资或非拥有的保险公司至少部分由雇主全部或非拥有。 支付或报销福利时，雇主或信托可以支付利益，如果雇主支付利益，信托可以偿付雇主。

公开(公告)号：US08340988B2

公开(公告)日：2012-12-25

申请号：US13366936

申请日：2012-02-06

申请人： Karin Landry

发明人： Karin Landry

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08 ,  G06F19/00 ,  G06Q10/1057 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/06 ,  G06Q50/22

摘要： An insurance program for funding benefits by maintaining assets in the insurance program that includes an employer or employee owned trust account and at least one life insurance contract or non-cancelable accident and health insurance contract obtained directly or indirectly from a captive insurance company. The life insurance contract or non-cancelable accident and health insurance contract is purchased with assets from the trust account and the captive insurance company is at least partially owned by the employer. When paying or reimbursing benefits, the employer or the trust may pay the benefit and if the employer pays the benefit, the trust may reimburse the employer.

公开(公告)号：US08060384B2

公开(公告)日：2011-11-15

申请号：US10995325

申请日：2004-11-24

申请人： Karin Landry

发明人： Karin Landry

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08 ,  G06Q20/102 ,  G06Q40/00 ,  G06Q40/06

摘要： An insurance program for funding benefits by maintaining assets in the insurance program that includes an employer or employee owned trust account and at least one life insurance contract obtained directly or indirectly from a captive insurance company. The life insurance contract is purchased with assets from the trust account and the captive insurance company is a least partially owned by the employer. When paying or reimbursing benefits, the employer or the trust may pay the benefit and if the employer pays the benefit, the trust may reimburse the employer.

摘要翻译： 通过维护包括雇主或雇员拥有的信托账户在内的保险计划中的资产以及直接或间接从专属保险公司获得的至少一项人寿保险合同，为保险计划提供资金。 人寿保险合同是从信托账户的资产购买的，并且被保险公司至少部分由雇主拥有。 支付或报销福利时，雇主或信托可以支付利益，如果雇主支付利益，信托可以偿付雇主。

公开(公告)号：US20090276371A1

公开(公告)日：2009-11-05

申请号：US12453045

申请日：2009-04-28

申请人： Karin Landry

发明人： Karin Landry

IPC分类号： G06Q40/00

CPC分类号： G06Q10/1057 ,  G06Q40/06 ,  G06Q40/08

摘要： An investment program for funding benefits by maintaining assets in the investment program that includes an employer owned trust account and at least one life, disability, health or annuity contract (including a terminal annuity) obtained directly or indirectly from a partially or wholly owned or non-owned captive insurance company. The insurance contract is purchased with assets from the trust account and the partially or wholly owned or non-owned captive insurance company is a least partially, wholly or non-owned by the employer. When paying or reimbursing benefits, the employer or the trust may pay the benefit and if the employer pays the benefit, the trust may reimburse the employer.

摘要翻译： 通过维持投资计划中的资产，包括雇主拥有的信托账户和至少一项直接或间接从部分或全部拥有的或非全资拥有的信托账户获得的生命，残疾，健康或年金合同（包括终端年金） 独资保险公司。 保险合同与信托账户的资产一并购买，部分或全资或非拥有的保险公司至少部分由雇主全部或非拥有。 支付或报销福利时，雇主或信托可以支付利益，如果雇主支付利益，信托可以偿付雇主。

公开(公告)号：US08275684B2

公开(公告)日：2012-09-25

申请号：US12453045

申请日：2009-04-28

申请人： Karin Landry

发明人： Karin Landry

IPC分类号： G06Q40/00

CPC分类号： G06Q10/1057 ,  G06Q40/06 ,  G06Q40/08

摘要： An investment program for funding benefits by maintaining assets in the investment program that includes an employer owned trust account and at least one life, disability, health or annuity contract (including a terminal annuity) obtained directly or indirectly from a partially or wholly owned or non-owned captive insurance company. The insurance contract is purchased with assets from the trust account and the partially or wholly owned or non-owned captive insurance company is a least partially, wholly or non-owned by the employer. When paying or reimbursing benefits, the employer or the trust may pay the benefit and if the employer pays the benefit, the trust may reimburse the employer.

摘要翻译： 通过维持投资计划中的资产，包括雇主拥有的信托账户和至少一项直接或间接从部分或全部拥有的或非全资拥有的信托账户获得的生命，残疾，健康或年金合同（包括终端年金） 独资保险公司。 保险合同与信托账户的资产一并购买，部分或全资或非拥有的保险公司至少部分由雇主全部或非拥有。 支付或报销福利时，雇主或信托可以支付利益，如果雇主支付利益，信托可以偿付雇主。