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    • 21. 发明申请
    • Systems and methods for implementing an interest-bearing instrument
    • 用于实施兴趣工具的系统和方法
    • US20050182702A1
    • 2005-08-18
    • US10777586
    • 2004-02-12
    • Roger Williams
    • Roger Williams
    • G06Q40/00G06F17/60
    • G06Q40/02G06Q40/00G06Q40/025G06Q40/04
    • Systems and methods are provided that allow a financial instrument to be structured so that the underlying borrowed principal is callable, putable, or both. In a preferred embodiment, a Range Accrual Mortgage is structured so that the underlying borrowed principal is a mortgage that is callable, putable, or both by embedding into the loan structure a rate put option. Systems and methods according to the invention lend symmetry to the interest rate behavior of certain borrowings by making explicit the pricing and market value of options that were previously only implicit in the borrowing structure. For example, a mortgage in accordance with the invention should provide incentives for either the homeowner or the bank to refinance the mortgage and should do so whether interest rates rise or fall, and no matter what path interest rates follow from the inception of the instrument until the maturity of the instrument. The invention achieves the desired advantages, in part, by extending the characteristics of a borrowing via the addition of a rate put option on an interest rate and, in part, by permitting correlative adjustments to the outstanding loan principal.
    • 提供了允许金融工具结构化的系统和方法,以使基础借款的本金人可以被调用,推定,或两者兼有。 在优选实施例中,范围应计抵押的结构使得潜在的借款本金是通过将贷款结构嵌入到期权中的可调用,可推定或两者的抵押。 根据本发明的系统和方法通过明确地在借款结构中仅隐含的期权的定价和市场价值,使某些借款的利率行为对称。 例如,根据本发明的抵押贷款应为房主或银行提供激励措施来再融资抵押贷款,不论利率是涨还是下降,无论利率何时从仪器开始到现在为止 仪器的成熟度。 本发明部分地通过增加借款利率的利率来扩大借款的特征,部分原因在于允许对未偿还贷款本金的相关调整。
    • 22. 发明申请
    • Interlocking conformable retainer wall system
    • 联锁保持架系统
    • US20050160686A1
    • 2005-07-28
    • US10765935
    • 2004-01-29
    • Roger Williams
    • Roger Williams
    • A01G9/28A01G1/00E02D27/00E04C5/08
    • A01G9/28
    • A retainer wall system comprised of interlocking wall segments for use as a retainer wall. Each wall segment is resiliently flexible to allow the retainer wall to follow a curvilinear/curved profile. In a preferred embodiment the wall segments comprise a plurality of substantially vertical elongate cylindrical members configured to resemble wooden logs, arranged in parallel in substantially mutually adjacent position. Each of the logs are coupled to an adjacent log by a resiliently flexible web member so as to permit flexible bending of each of each of the wall segments about a vertical axis therethrough. One or more of the logs making up each wall segment possess a longitudinal bore extending substantially along a vertical longitudinal axis of such log, so as to permit a pin member to be inserted therethough and into the ground so as to retain the wall segments in a desired conformed position.
    • 保持器壁系统,包括用作保持器壁的互锁壁段。 每个壁段都是弹性柔性的,以使保持器壁遵循曲线/弯曲轮廓。 在优选实施例中,壁段包括多个基本上垂直的细长圆柱形构件,其被配置成类似木制木材,其平行布置在基本相互相邻的位置。 每个原木通过弹性柔软的腹板构件联接到相邻的木材上,以便允许每个壁段中的每一个围绕穿过其中的垂直轴弯曲。 构成每个壁段的一个或多个原木具有基本上沿着这种原木的垂直纵向轴线延伸的纵向孔,以便允许销构件插入到地面中,以便将壁段保持在 期望符合的位置。
    • 25. 发明授权
    • Partial discharge resistant connector
    • 部分耐电镀连接器
    • US08221144B1
    • 2012-07-17
    • US13068116
    • 2011-05-03
    • Roger WilliamsChristopher Hankins
    • Roger WilliamsChristopher Hankins
    • H01R13/53
    • H01R13/53H01R4/20
    • A high voltage connector, such as one that carries current at a voltage of at least one kilovolts, is constructed to minimize partial discharge (a small amount of current flow) out of locations where a cable conductor has been crimped to the rear of a contact, which resulted in sharp points or edges. A shroud is mounted around the connector, which includes a cylindrical shroud sleeve lying around the crimped region of the contact, with the rear end of the shroud sleeve having rounded edges or abutting a rear shroud element, and with the front end of the shroud preferably being of hemispheric shape.
    • 构造高压连接器,例如在至少一千伏特的电压下承载电流的高压连接器,以使电缆导体已被压接到触点后部的位置的局部放电(少量电流)最小化 ,这导致了尖锐的点或边缘。 护罩安装在连接器周围,其包括位于接触件的卷曲区域周围的圆柱形护罩套管,护罩套筒的后端具有圆形边缘或邻接后护罩元件,并且优选地与护罩的前端 是半球形。