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    • 2. 发明授权
    • System and method for providing a loan to a taxpayer
    • 向纳税人提供贷款的制度和方法
    • US08548883B2
    • 2013-10-01
    • US11551916
    • 2006-10-23
    • Robert D. Wilson
    • Robert D. Wilson
    • G06Q40/00G06F17/22
    • G06Q40/02G06Q40/00G06Q40/025G06Q40/123
    • A system and method for providing to a taxpayer a loan in an amount based on the taxpayer's estimated tax refund amount due for a current year, the loan being provided to the taxpayer prior to year end of the current tax year and prior to completion and filing of the taxpayer's current year tax return forms with a taxing authority. The taxpayer's estimated tax refund may be based on historical tax refund data as well as current year income data. A loan granting entity may consider the level of tax refunds that the taxpayer has received in previous years as well as income data for the first three quarters of the year to determine a reasonable estimate of the tax refund amount that the taxpayer will likely receive for the current tax year.
    • 一种向纳税人提供贷款的制度和方法,其金额是根据纳税人本年度到期的估计退税金额,该贷款是在当前纳税年度年底之前和完成和提交之前提供给纳税人的。 的纳税人当年纳税申报表与税务机关。 纳税人的估计退税可能是根据历史退税资料以及当年收入数据。 贷款授予单位可以考虑纳税人前几年收到的退税水平以及前三季度的收入数据,以确定纳税人可能收到的退税金额的合理估计 当前税收年度。
    • 3. 发明授权
    • Tax refund system
    • 退税制度
    • US07765132B2
    • 2010-07-27
    • US11626677
    • 2007-01-24
    • Robert D. WilsonMark A. Ernst
    • Robert D. WilsonMark A. Ernst
    • G07B17/00G07F19/00G06Q20/00G06Q40/00G06K5/00
    • G06Q40/02G06Q20/10G06Q20/206G06Q40/10G06Q40/12G06Q40/123
    • A tax refund system is disclosed in which in exchange for a taxpayer assigning all or a portion of his or her tax refund, a participating provider provides to the taxpayer a spending vehicle with buying power at participating outlets. Tax return data for an individual's tax return is processed by the IRS. A taxpayer consents to using a portion of the tax return data to acquire a spending vehicle from a financial institution of the taxpayer's choosing. Using a portion of the tax return data, the IRS arranges to electronically transfer an amount related to the taxpayer's refund to an account at the financial institution selected by the taxpayer. A taxpayer then receives a spending vehicle such as a credit, debit, or cash card, spending account, coupon, or rebate from a financial institution or other spending vehicle provider such as a retailer, service provider, wholesaler, distributor, or entertainment entity.
    • 披露了纳税人的纳税申报制度,以纳税人的全部或部分退税方式交纳纳税人,参与提供者向参与者提供购买力的消费车辆。 个人报税表的纳税申报单由国税局处理。 纳税人同意使用一部分纳税申报数据从纳税人选择的金融机构获取支出车辆。 使用一部分纳税申报数据,国税局安排将与纳税人退款相关的金额电子转帐到由纳税人选定的金融机构的账户。 纳税人然后从诸如零售商,服务提供商,批发商,分销商或娱乐实体的金融机构或其他支出车辆提供商那里获得诸如信用卡,借记卡或现金卡,支出帐户,优惠券或回扣等支出车辆。
    • 4. 发明授权
    • Spending vehicles for payments
    • 支付车费
    • US07668764B2
    • 2010-02-23
    • US11423824
    • 2006-06-13
    • Robert D. Wilson
    • Robert D. Wilson
    • G06F17/22G07F19/00G06Q40/00
    • G06Q20/342G06Q20/04G06Q20/10G06Q20/102G06Q20/105G06Q20/28G06Q20/34G06Q20/3433G06Q20/4037G06Q30/02G06Q40/00G06Q40/02G06Q40/123G06Q50/26G07F7/02G07F7/08
    • A system and method for associating payments with spending vehicles so that an individual who is entitled to receive periodic or special payments such as social security checks receives in place of the payment a spending vehicle such as a discount card, rebate, or coupon for use with purchases of the sponsor's products or services. Sponsors include companies and organizations interested in offering purchase incentives to their customers. An individual who wishes to receive a spending vehicle rather than the regular payment selects the spending vehicle he or she would like to receive. The individual then assigns his or her right to receive the payment to a third party. The third party then arranges to give a spending vehicle to the individual and to transfer the individual's payment to the sponsor of the spending vehicle. The third party may take a portion of the payment as compensation for the service.
    • 一种用于将支付与支出车辆相关联的系统和方法,使得有权接收定期或特殊付款(如社会保障支票)的个人代替付款代替支付车辆,例如折扣卡,回扣或优惠券,以便与 购买赞助商的产品或服务。 赞助商包括有兴趣向客户提供购买激励措施的公司和组织。 希望收到支出车辆而不是定期支付的个人会选择他或她想要接受的消费车辆。 个人然后将他或她的权利转让给第三方。 然后第三方安排向个人发放支出车辆,并将个人的付款转交给消费车辆的赞助商。 第三方可以支付一部分付款作为服务的补偿。
    • 7. 发明授权
    • Ultrathin tabular grain emulsions with novel dopant management
    • 具有新型掺杂剂管理的超薄片状颗粒乳剂
    • US5503970A
    • 1996-04-02
    • US296562
    • 1994-08-26
    • Myra T. OlmXin WenRichard L. DaubendiekDonald L. BlackJoseph C. DeatonTimothy R. GerseyJoseph G. LighthouseRobert D. Wilson
    • Myra T. OlmXin WenRichard L. DaubendiekDonald L. BlackJoseph C. DeatonTimothy R. GerseyJoseph G. LighthouseRobert D. Wilson
    • G03C1/005G03C1/08G03C1/46G03C1/035G03C1/09
    • G03C1/08G03C1/0051G03C1/46
    • A chemically and spectrally sensitized ultrathin tabular grain emulsion is disclosed including tabular grains (a) having {111} major faces, (b) containing greater than 70 mole percent bromide, based on silver, (c) accounting for greater than 90 percent of total grain projected area, (d) exhibiting an average equivalent circular diameter of at least 0.7 .mu.m, and (e) exhibiting an average thickness of less than 0.07 .mu.m.It has been observed that increased speed and contrast as well as improvements in speed-granularity relationships can be realized when the surface chemical sensitization sites include epitaxially deposited silver halide protrusions forming epitaxial junctions with the tabular grains, the protrusions (a) being located on up to 50 percent of the surface area of the tabular grains, (b) having a higher overall solubility than at least that portion of the tabular grains forming epitaxial junctions with the protrusions, and (c) forming a face centered cubic crystal lattice.In further improving photographic performance by incorporating a photographically useful dopant, it has been observed that thinner tabular grains can be realized by locating the dopant in the protrusions. Still further improvements in photographic sensitivity can be realized by selecting the dopant to act as a shallow trap for photoelectrons.
    • 公开了化学和光谱增感的超薄片状颗粒乳剂,其包括具有{111}主面的片状颗粒(a),(b)基于银含有大于70摩尔%的溴化物,(c)占总量的90%以上 (d)平均当量圆直径至少为0.7μm,(e)平均厚度小于0.07μm。 已经观察到,当表面化学增感部位包括形成与片状颗粒的外延结的外延淀积的卤化银突起时,可以实现速度和对比度的提高以及速度 - 粒度关系的改善,突起(a)位于上面 至(b)具有比至少部分片状颗粒形成与突起外延结合的整体溶解度更好的表面积,(c)形成面心立方晶格。 通过掺入摄影有用的掺杂剂进一步提高照相性能,已经观察到可以通过将掺杂剂定位在突起中来实现更薄的片状颗粒。 可以通过选择掺杂剂作为光电子的浅陷阱来实现照相感光度的进一步提高。
    • 10. 发明授权
    • Neutron/gamma ray survey instrument with directional gamma ray sensitivity
    • 具有定向伽马射线灵敏度的中子/伽马射线测量仪器
    • US07026627B2
    • 2006-04-11
    • US10731178
    • 2003-12-09
    • Fred E. Fowler, Jr.Jerry L. BurnhamRobert D. Wilson
    • Fred E. Fowler, Jr.Jerry L. BurnhamRobert D. Wilson
    • G01J1/42G01T1/00G01T3/00
    • G01T1/169
    • A portable survey instrument and methodology yield intensity of neutron radiation, intensity of gamma radiation, and a direction of impinging gamma radiation. The instrument uses a neutron detector surrounded by an essentially rectangular moderator with preferably four gamma ray detectors disposed symmetrically about the neutron detector and within the moderator. Material and dimensions of the moderator are selected so that the neutron measurement is equally sensitive to fast and thermal neutrons. The moderator also induces angular responses to the gamma ray detectors. Responses of the gamma ray detectors are combined to yield a parameter indicative of the angular position of a source. The survey instrument is portable and suited for hand held use.
    • 便携式测量仪器和方法产生中子辐射强度,伽马辐射强度和撞击伽马辐射的方向。 该仪器使用由基本上矩形的慢化器围绕的中子探测器,优选地四个伽马射线检测器围绕中子探测器对称地设置在调节器内。 选择调节剂的材料和尺寸,使得中子测量对快中子和热中子同样敏感。 调节剂还引起对γ射线检测器的角度响应。 伽马射线探测器的响应被组合以产生指示源的角位置的参数。 测量仪器是便携式的,适用于手持式使用。