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    • 2. 发明授权
    • Loan program and process for transacting the same
    • 贷款计划和交易过程
    • US07386507B2
    • 2008-06-10
    • US11859553
    • 2007-09-21
    • Richard S. DavisMichael J. Maron
    • Richard S. DavisMichael J. Maron
    • G06Q40/00
    • G06Q40/02G06Q20/102G06Q40/00G06Q40/025
    • A loan program and process is structured to provide a significant end-to-end cost savings while overcoming many, if not all, of the drawbacks and regulatory obstacles present in the current payday loan industry. The program, the end-to-end process, and the arrangement thereof, permits a lender to offer short-term, small cash loans to employees through an employer controlled payroll system. Access to the employer controlled payroll system is achieved through an agreed upon relationship between a coordinator, a lender, and the employer. As part of the agreed upon relationship, the lender guarantees that all fees, interest, and other ancillary costs over and above a principle amount of the short-term, small cash loan will be kept at or below a predetermined annual percentage rate (APR). In addition, the loan is repayable over a number of payroll cycles such that each successive payday the principle balance of the loan decreases.
    • 贷款计划和流程的结构是提供重要的端到端成本节约,同时克服许多(如果不是全部)当前工资日贷款行业存在的缺点和监管障碍。 该计划,端到端流程及其安排允许贷方通过雇主控制的工资单向雇员提供短期,小额现金贷款。 通过协调员,贷款人和雇主之间商定的关系,可以获得雇主控制的工资单制度。 作为商定关系的一部分,贷款人保证,短期小额现金贷款的原则金额以上的所有费用,利息和其他辅助成本将保持在或低于预定年度百分比(APR) 。 此外,这笔贷款可以在多个工资周期中偿还,以便每个连续的工资日贷款的主要余额减少。
    • 3. 发明授权
    • Electronic signaling system
    • 电子信号系统
    • US5973591A
    • 1999-10-26
    • US974528
    • 1997-11-19
    • David SchwartzRichard S. Davis
    • David SchwartzRichard S. Davis
    • G08B3/10
    • G08B3/10
    • The electronic signaling system comprises a base unit including an audio media player for reproducing a recorded audio signal from an inserted recorded medium, and an audio output stage for producing an audio output responsive to the occurrence of a trigger signal. A remote triggering device, such as a doorbell, includes a signal generator for communicating energy from the triggering device to the base unit. A receiving device in the base unit is provided for intercepting the energy communicated from the triggering device for reproducing the recorded audio signal. The medium may be a replaceable medium, permitting the user to select, from a variety of sound recordings, which recording is to be played back when a visitor or a guest pushes the doorbell. The replaceable medium may be recordable by a user. The audio player is preferably a player capable of reproducing sound patterns from integrated circuits containing encoded or non-encoded sound program information. A simplified electronic signaling system may be placed in a child's room. When a pushbutton outside the child's room is pressed, a preselected sound/audio/song/message/program is played by the base unit in the child's room. The base unit may have a slot for receiving thematic cards having artwork thereon and carrying an IC containing sounds or sound patterns consistent with the theme depicted on the thematic card.
    • 该电子信号系统包括一个基本单元,它包括用于从插入的记录介质再现记录的音频信号的音频媒体播放器,以及响应于触发信号的发生产生音频输出的音频输出级。 诸如门铃的远程触发装置包括用于将能量从触发装置传送到基本单元的信号发生器。 提供了基本单元中的接收装置,用于截取从触发装置传送的能量,用于再现所记录的音频信号。 介质可以是可替换的介质,允许用户从访问者或客人推开门铃时从各种声音记录中选择哪个记录被播放。 可替换介质可以由用户记录。 音频播放器优选地是能够从包含编码或非编码声音节目信息的集成电路再现声音模式的播放器。 简化的电子信号系统可以放置在孩子的房间中。 按下孩子房间外的按钮时,儿童房间内的基本单位将播放预选的声音/音乐/歌曲/消息/节目。 基座单元可以具有用于接收具有艺术品的专题卡的插槽,并且携带包含与主题卡上描绘的主题一致的声音或声音图案的IC。
    • 5. 发明授权
    • Intermittent bypass system for a check valve
    • 用于止回阀的间歇式旁通系统
    • US5129367A
    • 1992-07-14
    • US681593
    • 1991-04-08
    • Jordan R. LeeRichard S. DavisGlen R. MacFarlane
    • Jordan R. LeeRichard S. DavisGlen R. MacFarlane
    • F01L1/44F02B3/06F02B29/02F02B75/02
    • F01L1/446F01L1/443F02B29/02F02B2075/027F02B3/06Y02T10/146
    • An intermittent bypass system comprises an intake conduit including an intake passage leading to a cylinder in an engine and an intake controller connected to the intake passage adjacent to the cylinder. The intake controller enables, during different portions of the engine cycle, fluid flow from the intake passage into the cylinder, fluid back-flow from the cylinder into the intake passage, and obstruction of fluid flow between the intake passage and the cylinder. A check valve is located in the intake passage upstream of the intake controller with the check valve allowing fluid flow toward the cylinder and obstructing fluid back-flow in the reverse direction. A bypass port is located on the intake passage to provide a flow path to a downstream portion defined by the portion of the intake passage between the check valve and intake controller. A control valve is connected between a secondary fluid source and the bypass port enabling communication between the secondary fluid source and downstream portion during a portion of the engine cycle when the check valve is open. The control valve obstructs the communication during a portion of the engine cycle when the check valve is closed.
    • 间歇式旁路系统包括进气管道,其包括通向发动机中的气缸的进气通道和与气缸相邻的进气通道连接的进气控制器。 进气控制器使得在发动机循环的不同部分期间,从进气通道流入气缸的流体流动,从气缸向进气通道的流体回流,以及妨碍进气通道和气缸之间的流体流动。 止回阀位于进气控制器上游的进气通道中,止回阀允许流体朝向气缸流动并阻止流体逆向流动。 旁通端口位于进气通道上,以提供到由止回阀和进气​​控制器之间的进气通道的部分限定的下游部分的流动路径。 在止回阀打开时,在发动机循环的一部分期间,控制阀连接在次级流体源和旁路端口之间,从而能够在次级流体源和下游部分之间进行连通。 当止回阀关闭时,控制阀在发动机循环的一部分期间妨碍通信。
    • 6. 发明授权
    • Intake reservoir system for an engine having a check valve
    • 具有止回阀的发动机进气储存系统
    • US4986225A
    • 1991-01-22
    • US534990
    • 1990-06-08
    • Ko-Jen WuRichard S. Davis
    • Ko-Jen WuRichard S. Davis
    • F02B29/00F02D13/02
    • F02B29/00F02D13/0261F02D13/0273Y02T10/146
    • An intake reservoir system is for an engine having an intake passage leading to a cylinder, and a check valve in the intake passage to allow fluid flow toward the cylinder and obstruct fluid back-flow in the reverse direction. A bypass port is located on the intake passage so that the bypass port communicates with a trapped volume defined by the portion of the intake passage between the check valve and cylinder. The intake reservoir system comprises an inflower for enabling fluid to flow into the trapped volume when the pressure therein is at least equal to the pressure upstream of the check valve. The intake reservoir system further comprises a reservoir cavity, a port passage connected between the reservoir cavity and bypass port enabling communication between the reservoir cavity and trapped volume, and a volume controller enabling adjustment of the volume of the reservoir cavity.
    • 进气储存器系统用于具有通向气缸的进气通道的发动机和在进气通道中的止回阀,以允许流体朝向气缸流动并阻止流体逆向流动。 旁通口位于进气通道上,使得旁通口与由止回阀和气缸之间的进气通道的部分限定的捕集体连通。 进气储存器系统包括流入器,用于当其中的压力至少等于止回阀上游的压力时,使流体流入被捕集的体积。 进气储存器系统还包括储存器腔,连接在储存器腔和旁路端口之间的端口通道,其实现储存腔和被捕获体积之间的连通;以及容积控制器,其能够调节储存腔的体积。
    • 8. 发明授权
    • Pressure relief system for a check valve
    • 止回阀的减压系统
    • US5018486A
    • 1991-05-28
    • US534985
    • 1990-06-08
    • Richard S. DavisJordan R. LeeGlen R. MacFarlane
    • Richard S. DavisJordan R. LeeGlen R. MacFarlane
    • F02B29/02F02M35/10
    • F02M35/10236F02B29/02F02M35/10072F02M35/10275F02M35/1038Y02T10/146
    • A pressure relief system is for an engine having an intake passage leading to a cylinder, a check valve in the intake passage to allow fluid flow toward the cylinder and obstruct fluid back-flow in the reverse direction, and a bypass port located on the intake passage so that the bypass port communicates with a downstream portion defined by the portion of the intake passage between the cylinder and check valve. The pressure relief system comprises a pressure relief passage connected between the bypass port and a reservoir enabling communication between the reservoir and downstream portion. A pressure-sensitive valve is connected to the pressure relief passage. The pressure-sensitive valve allows the communication if the pressure in the downstream portion exceeds a reference pressure by a predetermined amount, and obstructs the communication if the pressure in the downstream portion does not exceed the reference pressure by the predetermined amount.
    • 压力释放系统用于具有通向气缸的进气通道的发动机,进气通道中的止回阀,以允许流体朝向气缸流动并妨碍反向流体的逆流,以及位于进气口上的旁通口 通道,使得旁通端口与由气缸和止回阀之间的进气通道的部分限定的下游部分连通。 压力释放系统包括连接在旁通端口和储存器之间的压力释放通道,其能够在储存器和下游部分之间进行连通。 压力敏感阀连接到压力释放通道。 如果下游部分的压力超过基准压力预定量,压敏阀就允许通信,如果下游部分的压力不超过基准压力预定量,则阻碍通信。
    • 10. 发明申请
    • LOAN PROGRAM AND PROCESS FOR TRANSACTING THE SAME
    • 贷款计划和交易过程
    • US20070271178A1
    • 2007-11-22
    • US11690694
    • 2007-03-23
    • Richard S. DavisMichael J. Maron
    • Richard S. DavisMichael J. Maron
    • G06Q40/00
    • G06Q40/02G06Q20/102G06Q40/00G06Q40/025
    • A loan program and process is structured to provide a significant end-to-end cost savings while overcoming many, if not all, of the drawbacks and regulatory obstacles present in the current payday loan industry. The program, the end-to-end process, and the arrangement thereof, permits a lender to offer short-term, small cash loans to employees through an employer controlled payroll system. Access to the employer controlled payroll system is achieved through an agreed upon relationship between a coordinator, a lender, and the employer. As part of the agreed upon relationship, the lender guarantees that all fees, interest, and other ancillary costs over and above a principle amount of the short-term, small cash loan will be kept at or below a predetermined annual percentage rate (APR). In addition, the loan is repayable over a number of payroll cycles such that each successive payday the principle balance of the loan decreases.
    • 贷款计划和流程的结构是提供重要的端到端成本节约,同时克服许多(如果不是全部)当前工资日贷款行业存在的缺点和监管障碍。 该计划,端到端流程及其安排允许贷方通过雇主控制的工资单向雇员提供短期,小额现金贷款。 通过协调员,贷款人和雇主之间商定的关系,可以获得雇主控制的工资单制度。 作为商定关系的一部分,贷款人保证,短期小额现金贷款的原则金额以上的所有费用,利息和其他辅助成本将保持在或低于预定年度百分比(APR) 。 此外,这笔贷款可以在多个工资周期中偿还,以便每个连续的工资日贷款的主要余额减少。