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公开(公告)号：US20120278149A1
公开(公告)日：2012-11-01
申请号：US13537636
申请日：2012-06-29
申请人： Sheehy Pat , Lesley R. Corydon , David A. Clifton , George Black , Jay Roth , Panickos Palettas , Elaine Wistar , Julie Shuttlesworth
发明人： Sheehy Pat , Lesley R. Corydon , David A. Clifton , George Black , Jay Roth , Panickos Palettas , Elaine Wistar , Julie Shuttlesworth
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0215 , G06Q20/10 , G06Q30/02 , G06Q30/0233 , G06Q40/00 , G06Q40/02 , G06Q50/16
摘要： A computer-implemented method is disclosed for rewarding mortgage customers of a financial institution with a reward payment amount. The method includes providing enrollment in a mortgage matching system to eligible mortgage customers, wherein eligibility requirements include the requirement that eligible mortgage customers hold both a mortgage account and a checking account with the financial institution. The method additionally includes enabling the customer to make periodic mortgage payments from the checking account to the mortgage account and monitoring continued compliance with the eligibility requirements and submission of the periodic payments using a monitoring engine implemented by at least one computer processor. The method further includes determining a reward payment amount to be made by the financial institution to each complying mortgage customer using a fulfillment engine implemented by the at least one computer processor, wherein the reward payment amount is a predetermined percentage of principal and interest.
摘要翻译： 公开了一种计算机实现的方法，用于奖励具有奖励支付金额的金融机构的抵押贷款客户。 该方法包括向符合条件的抵押贷款客户提供按揭配对系统的登记，其中资格要求包括符合条件的抵押贷款客户持有抵押账户和与金融机构的支票账户的要求。 该方法还包括使客户能够定期从支票账户到抵押贷款账户的抵押贷款，以及使用由至少一台计算机处理器实现的监控引擎来监视继续遵守资格要求和提交定期支付。 该方法还包括使用由至少一个计算机处理器实现的履行引擎来确定由金融机构对每个合规按揭客户进行的奖励支付金额，其中奖励支付金额是本金和利息的预定百分比。
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公开(公告)号：US08392327B2
公开(公告)日：2013-03-05
申请号：US13537636
申请日：2012-06-29
申请人： Pat Sheehy , Lesley R. Corydon , David A. Clifton , George Black , Jay Roth , Panickos Palettas , Elaine Wistar , Julie Shuttlesworth
发明人： Pat Sheehy , Lesley R. Corydon , David A. Clifton , George Black , Jay Roth , Panickos Palettas , Elaine Wistar , Julie Shuttlesworth
IPC分类号： G06Q40/00
CPC分类号： G06Q30/0215 , G06Q20/10 , G06Q30/02 , G06Q30/0233 , G06Q40/00 , G06Q40/02 , G06Q50/16
摘要： A computer-implemented method is disclosed for rewarding mortgage customers of a financial institution with a reward payment amount. The method includes providing enrollment in a mortgage matching system to eligible mortgage customers, wherein eligibility requirements include the requirement that eligible mortgage customers hold both a mortgage account and a checking account with the financial institution. The method additionally includes enabling the customer to make periodic mortgage payments from the checking account to the mortgage account and monitoring continued compliance with the eligibility requirements and submission of the periodic payments using a monitoring engine implemented by at least one computer processor. The method further includes determining a reward payment amount to be made by the financial institution to each complying mortgage customer using a fulfillment engine implemented by the at least one computer processor, wherein the reward payment amount is a predetermined percentage of principal and interest.
摘要翻译： 公开了一种计算机实现的方法，用于奖励具有奖励支付金额的金融机构的抵押贷款客户。 该方法包括向符合条件的抵押贷款客户提供按揭配对系统的登记，其中资格要求包括符合条件的抵押贷款客户持有抵押账户和与金融机构的支票账户的要求。 该方法还包括使客户能够定期从支票账户到抵押贷款账户的抵押贷款，以及使用由至少一台计算机处理器实现的监控引擎来监视继续遵守资格要求和提交定期支付。 该方法还包括使用由至少一个计算机处理器实现的履行引擎来确定由金融机构对每个合规按揭客户进行的奖励支付金额，其中奖励支付金额是本金和利息的预定百分比。
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公开(公告)号：US08229846B1
公开(公告)日：2012-07-24
申请号：US12503609
申请日：2009-07-15
申请人： Pat Sheehy , Lesley R. Corydon , David A. Clifton , George Black , Jay Roth , Panickos Palettas , Elaine Wistar , Julie Shuttlesworth
发明人： Pat Sheehy , Lesley R. Corydon , David A. Clifton , George Black , Jay Roth , Panickos Palettas , Elaine Wistar , Julie Shuttlesworth
IPC分类号： G06Q40/00
CPC分类号： G06Q30/0215 , G06Q20/10 , G06Q30/02 , G06Q30/0233 , G06Q40/00 , G06Q40/02 , G06Q50/16
摘要： A computer-implemented method is disclosed for rewarding mortgage customers of a financial institution. The method includes providing enrollment in a mortgage matching system to eligible mortgage customers, wherein eligibility requirements include the requirement that eligible mortgage customers hold both a mortgage account and a checking account with the financial institution. The customer makes periodic mortgage payments from the checking account to the mortgage account. The method monitors continued compliance with the eligibility requirements and submission of the periodic payments using a monitoring engine. The method further includes determining a reward payment amount to be made to each complying mortgage customer, wherein the reward payment amount is a predetermined percentage of principal and interest paid during a predetermined time period. The calculated reward payment amount is transferred to a pre-selected accessible location for each complying mortgage customer.
摘要翻译： 公开了一种计算机实现的方法来奖励金融机构的抵押贷款客户。 该方法包括向符合条件的抵押贷款客户提供按揭配对系统的登记，其中资格要求包括符合条件的抵押贷款客户持有抵押账户和与金融机构的支票账户的要求。 客户定期将抵押贷款从支票账户支付给抵押账户。 该方法监测继续遵守资格要求并使用监控引擎提交定期支付。 该方法还包括确定对每个合规按揭客户进行的奖励支付金额，其中奖励支付金额是在预定时间段期间支付的本金和利息的预定百分比。 计算的奖励支付金额被转移到每个符合抵押贷款客户的预先选择的可访问位置。
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4.发明申请公开(公告)号：US20130044012A1
公开(公告)日：2013-02-21
申请号：US13583107
申请日：2011-03-04
申请人： Ian J. Shaylor , David A. Clifton
发明人： Ian J. Shaylor , David A. Clifton
IPC分类号： H03M7/30
CPC分类号： H03M7/30
摘要： A method and apparatus for data compression, particularly applicable to spectral signals such as Fast Fourier Transforms of vibration data. The data is merged to remove redundant frequencies when recorded at multiple sample rates, thresholded with respect to a noise floor to remove even more redundant data, and then the positions of non-zero signal values, with respect to the noise floor, are recorded in a first dataword and the non-zero signal values themselves are all recorded concatenated to form a second dataword. The compressed data set consists of the first and second datawords, together with the value of the noise floor, maximum original amplitude and the broadband power. In the event of successive data sets having the same or similar locations for non-zero signal values a re-use flag may be set and the locations dataword discarded. Preferably the signal values are non-linearly quantized to further reduce the amount of data.
摘要翻译： 一种用于数据压缩的方法和装置，特别适用于频谱信号，例如振动数据的快速傅里叶变换。 当以多个采样率记录时，合并数据以消除冗余频率，相对于本底噪声阈值，以消除更多的冗余数据，然后将非零信号值相对于本底噪声的位置记录在 第一数据字和非零信号值本身都被记录连接以形成第二数据字。 压缩数据集包括第一和第二数据字，以及本底噪声值，最大原始幅度和宽带功率的值。 在对于非零信号值具有相同或相似位置的连续数据集的情况下，可以设置重用标志并丢弃位置数据字。 优选地，信号值被非线性量化以进一步减少数据量。
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5.发明申请METHOD AND APPARATUS FOR MONITORING AND ANALYZING VIBRATIONS IN ROTARY MACHINES 有权用于监测和分析旋转机械振动的方法和装置公开(公告)号：US20120035885A1
公开(公告)日：2012-02-09
申请号：US13201082
申请日：2010-02-17
CPC分类号： G01H1/006 , G01H3/08 , G01M13/028 , G01M13/045 , G01M15/12 , G01N29/46 , G01N2291/2693
摘要： Vibration amplitudes are recorded as a function of rotation speed and of frequency and the data is analyzed to estimate a noise floor amplitude threshold for each of a plurality of different speed and frequency sub-ranges. On the basis of training data known to be normal speed-frequency areas which contain significant spectral content in normal operation are deemed “known significant spectral content”, so that during monitoring of new data points which correspond to significant vibration energy at speeds and frequencies different from the known significant spectral content can be deemed “novel significant spectral content” and form the basis for an alert. The estimation of the noise floor is based on a probabilistic analysis of the data in each speed-frequency area and from this analysis an extreme value distribution expressing the probability that any given sample is noise is obtained.
摘要翻译： 作为旋转速度和频率的函数记录振幅，并且分析数据以估计多个不同速度和频率子范围中的每一个的噪声基底振幅阈值。 在已知正常速度频率区域的训练数据的基础上，将正常操作中含有重要频谱含量的速度频率区域视为“已知的有效频谱含量”，以便在监视对应于速度和频率下的显着振动能量的新数据点时 从已知的重要光谱内容可以被认为是“新的重要光谱内容”，并形成警报的基础。 噪声基底的估计基于每个速度 - 频率区域中的数据的概率分析，并且根据该分析，表示获得任何给定样本是噪声的概率的极值分布。
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公开(公告)号：US20130238486A1
公开(公告)日：2013-09-12
申请号：US13869246
申请日：2013-04-24
IPC分类号： G06Q40/02
CPC分类号： G06Q20/354 , G06Q20/10 , G06Q20/1085 , G06Q40/00 , G06Q40/02 , G06Q40/025
摘要： The invention comprises a method for distributing dead bank cards to customers who have not solicited a bank card or submitted an application. The dead bank card is a bank card (e.g., ATM card, debit card, check card, and the like) which contains all necessary information to be used, including a pre-assigned bank account number, and which only requires activation/approval by the prospective new bank account customer. In one embodiment, the dead bank card is distributed in connection with live credit cards issued to applicants for credit card accounts. Once operative, the bank card and the credit card may be linked together through a rebate/rewards program.
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公开(公告)号：US08468072B2
公开(公告)日：2013-06-18
申请号：US11780930
申请日：2007-08-08
IPC分类号： G06Q40/00
CPC分类号： G06Q20/354 , G06Q20/10 , G06Q20/1085 , G06Q40/00 , G06Q40/02 , G06Q40/025
摘要： The invention comprises a method for distributing dead bank cards to customers who have not solicited a bank card or submitted an application. The dead bank card is a bank card (e.g., ATM card, debit card, check card, and the like) which contains all necessary information to be used, including a pre-assigned bank account number, and which only requires activation/approval by the prospective new bank account customer. In one embodiment, the dead bank card is distributed in connection with live credit cards issued to applicants for credit card accounts. Once operative, the bank card and the credit card may be linked together through a rebate/rewards program.
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公开(公告)号：US20120254004A1
公开(公告)日：2012-10-04
申请号：US13524301
申请日：2012-06-15
IPC分类号： G06Q40/02
CPC分类号： G06Q20/354 , G06Q20/10 , G06Q20/1085 , G06Q40/00 , G06Q40/02 , G06Q40/025
摘要： The invention comprises a method for distributing dead bank cards to customers who have not solicited a bank card or submitted an application. The dead bank card is a bank card (e.g., ATM card, debit card, check card, and the like) which contains all necessary information to be used, including a pre-assigned bank account number, and which only requires activation/approval by the prospective new bank account customer. In one embodiment, the dead bank card is distributed in connection with live credit cards issued to applicants for credit card accounts. Once operative, the bank card and the credit card may be linked together through a rebate/rewards program.
摘要翻译： 本发明包括向未向银行卡申请或提交申请的客户分发死亡银行卡的方法。 死亡银行卡是一张银行卡（例如，ATM卡，借记卡，支票卡等），其中包含所有必要的信息，包括预先分配的银行帐号，仅需要激活/批准 预期的新银行账户客户。 在一个实施例中，死亡银行卡是与发行给信用卡账户申请人的实时信用卡一起分发的。 一旦操作，银行卡和信用卡可以通过回扣/奖励计划链接在一起。
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公开(公告)号：US08463681B2
公开(公告)日：2013-06-11
申请号：US13524301
申请日：2012-06-15
IPC分类号： G06Q40/00
CPC分类号： G06Q20/354 , G06Q20/10 , G06Q20/1085 , G06Q40/00 , G06Q40/02 , G06Q40/025
摘要： The invention comprises a method for distributing dead bank cards to customers who have not solicited a bank card or submitted an application. The dead bank card is a bank card (e.g., ATM card, debit card, check card, and the like) which contains all necessary information to be used, including a pre-assigned bank account number, and which only requires activation/approval by the prospective new bank account customer. In one embodiment, the dead bank card is distributed in connection with live credit cards issued to applicants for credit card accounts. Once operative, the bank card and the credit card may be linked together through a rebate/rewards program.
摘要翻译： 本发明包括向未向银行卡申请或提交申请的客户分发死亡银行卡的方法。 死亡银行卡是一张银行卡（例如，ATM卡，借记卡，支票卡等），其中包含所有必要的信息，包括预先分配的银行帐号，仅需要激活/批准 预期的新银行账户客户。 在一个实施例中，死亡银行卡是与发行给信用卡账户申请人的实时信用卡一起分发的。 一旦操作，银行卡和信用卡可以通过回扣/奖励计划链接在一起。
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