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1. 发明授权

US07765151B1 Computerized systems and methods for facilitating the flow of capital through the housing finance industry 有权
标题翻译：通过住房金融业促进资本流动的计算机化系统和方法
公开(公告)号：US07765151B1
公开(公告)日：2010-07-27
申请号：US11490614
申请日：2006-07-21
申请人： Michael J. Williams , Peter G. Kopperman , David N. Voth , Richard N. Plotnick , Peter A. Simon , Kimberly J. Thurow , Michael W. Koch , Martin T. Schulz
发明人： Michael J. Williams , Peter G. Kopperman , David N. Voth , Richard N. Plotnick , Peter A. Simon , Kimberly J. Thurow , Michael W. Koch , Martin T. Schulz
IPC分类号： G06Q99/00
CPC分类号： G06Q40/025 , G06Q40/10 , G06Q40/12
摘要： A computer implemented data processing system comprises a pricing engine and user interface program logic. The pricing engine is configured to calculate a price for an individual mortgage loan for a sale of the individual mortgage loan from a loan originator to a secondary mortgage market purchaser. The price is calculated prior to closing of the mortgage loan based on mortgage loan application data for a borrower associated with the mortgage loan. The user interface logic is configured to generate one or more screen displays configured to present the price to the loan originator prior to closing of the loan. The one or more screen displays are also configured to receive a commitment from the loan originator for the sale of the individual mortgage loan to the secondary mortgage market purchaser.
摘要翻译：计算机实现的数据处理系统包括定价引擎和用户界面程序逻辑。定价引擎被配置为计算个人抵押贷款的价格，用于从贷款发起人向次级抵押市场购买者出售个人抵押贷款。价格是在抵押贷款结算之前根据与抵押贷款相关的借款人的抵押贷款申请资料计算的。用户界面逻辑被配置为生成一个或多个屏幕显示，其被配置为在贷款结束之前向贷款发起者呈现价格。一个或多个屏幕显示器还被配置为从贷款发起者接收用于向第二抵押市场购买者出售个人抵押贷款的承诺。

2. 发明授权

US08244628B1 Computerized systems and methods for facilitating the flow of capital through the housing finance industry 有权
标题翻译：通过住房金融业促进资本流动的计算机化系统和方法
公开(公告)号：US08244628B1
公开(公告)日：2012-08-14
申请号：US12831893
申请日：2010-07-07
申请人： Michael J. Williams , Peter G. Kopperman , David N. Voth , Richard N. Plotnick , Peter A. Simon , Kimberly J. Thurow , Michael W. Koch , Martin T. Schulz
发明人： Michael J. Williams , Peter G. Kopperman , David N. Voth , Richard N. Plotnick , Peter A. Simon , Kimberly J. Thurow , Michael W. Koch , Martin T. Schulz
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q40/10 , G06Q40/12
摘要： A computer implemented data processing system comprises a pricing engine and user interface program logic. The pricing engine is configured to calculate a price for an individual mortgage loan for a sale of the individual mortgage loan from a loan originator to a secondary mortgage market purchaser. The price is calculated prior to closing of the mortgage loan based on mortgage loan application data for a borrower associated with the mortgage loan. The user interface logic is configured to generate one or more screen displays configured to present the price to the loan originator prior to closing of the loan. The one or more screen displays are also configured to receive a commitment from the loan originator for the sale of the individual mortgage loan to the secondary mortgage market purchaser.
摘要翻译：计算机实现的数据处理系统包括定价引擎和用户界面程序逻辑。定价引擎被配置为计算个人抵押贷款的价格，用于从贷款发起人向次级抵押市场购买者出售个人抵押贷款。价格是在抵押贷款结算之前根据与抵押贷款相关的借款人的抵押贷款申请资料计算的。用户界面逻辑被配置为生成一个或多个屏幕显示，其被配置为在贷款结束之前向贷款发起者呈现价格。一个或多个屏幕显示器还被配置为从贷款发起者接收用于向第二抵押市场购买者出售个人抵押贷款的承诺。

3. 发明授权

US06988082B1 Computerized systems and methods for facilitating the flow of capital through the housing finance industry 有权
标题翻译：通过住房金融业促进资本流动的计算机化系统和方法
公开(公告)号：US06988082B1
公开(公告)日：2006-01-17
申请号：US10331680
申请日：2002-12-30
申请人： Michael J. Williams , David N. Voth , Kimberly J. Hirsch , Michael W. Koch , Peter G. Kopperman , Richard N. Plotnick , Martin T. Schulz , Peter A. Simon
发明人： Michael J. Williams , David N. Voth , Kimberly J. Hirsch , Michael W. Koch , Peter G. Kopperman , Richard N. Plotnick , Martin T. Schulz , Peter A. Simon
IPC分类号： G06F17/60
CPC分类号： G06Q40/025 , G06Q40/10 , G06Q40/12
摘要： Computerized systems and methods facilitate the flow of capital through the housing finance industry. A system for determining an interest rate quote and points for a mortgage loan that are specific to a borrower includes input means for obtaining borrower and mortgage loan information, means for retrieving underwriting characteristics and means for calculating the interest rate quote and points based on the borrower and mortgage loan information and based on the underwriting characteristics. The means for calculating includes means for retrieving a required yield which reflects market conditions in a secondary mortgage market including being indicative of a price that can be obtained for the mortgage loan in the secondary mortgage market. The calculating means also includes means for determining an adjustment to the required yield associated with the mortgage loan based on credit risk posed by the borrower, the credit risk adjustment being determined as a function of at least a credit score, a loan-to-value ratio, and a mortgage loan purpose for the mortgage loan and the borrower. The calculating means further includes means for determining other adjustments to the required yield based on other parameters related to the mortgage loan and/or the borrower. The interest rate quote and points are calculated as a function of the required yield adjusted by the credit risk adjustment and the other adjustments.
摘要翻译：计算机化系统和方法通过住房金融业促进资本流动。用于确定借款人特定的按揭贷款的利率报价和点数的制度包括获取借款人和抵押贷款信息的输入方式，检索承保特征的手段和计算利率报价的手段和基于借款人的点和抵押贷款信息，并根据承销特征。计算方法包括检索反映二级抵押市场市场状况的所需收益率的手段，包括指示二级抵押市场中按揭贷款可获得的价格。所述计算手段还包括用于根据所述借款人提供的信用风险来确定与所述抵押贷款相关的所需收益的调整的手段，所述信用风险调整被确定为至少信用评分，贷款价值比例，以及按揭贷款和借款人的按揭贷款目的。计算装置还包括用于基于与抵押贷款和/或借款人相关的其他参数来确定对所需收益的其他调整的装置。利率报价和点数是根据信用风险调整和其他调整调整的所需收益的函数计算的。

4. 发明申请

US20100211455A1 INTERNET MARKETING CHANNEL OPTIMIZATION 审中-公开
标题翻译：互联网营销渠道优化
公开(公告)号：US20100211455A1
公开(公告)日：2010-08-19
申请号：US12707111
申请日：2010-02-17
申请人： Michael J. Williams , Andris Umblijs , Janmesh Srivastava , Stephen Denis Kirkby , Anatoly Roytman
发明人： Michael J. Williams , Andris Umblijs , Janmesh Srivastava , Stephen Denis Kirkby , Anatoly Roytman
IPC分类号： G06Q10/00 , G06Q30/00
CPC分类号： G06Q30/0243 , G06Q30/02 , G06Q30/0247
摘要： A system is configured to optimize an Internet marketing channel for a multichannel marketing campaign. The system includes an optimization model storage unit storing a plurality of optimization models for optimizing the Internet marketing channel. The system also includes a statement unit determining an estimated miniature profit and loss (P&L) for each item of the Internet marketing channel. The miniature P&L for each item links a potential investment in the item with estimated revenue and profit for the potential investment. A revenue response unit generates revenue response data for each item based on the miniature P&L for each item, and a profit response unit generates profit response data for each item based on the miniature P&L for each item. An efficiency frontier response unit generates efficiency frontier response data from the revenue response data and the profit response data, wherein the efficiency frontier response data identifies a point of diminishing returns for each item based on the investment amount in each item.
摘要翻译：系统配置为优化多渠道营销活动的互联网营销渠道。该系统包括存储用于优化因特网营销渠道的多个优化模型的优化模型存储单元。该系统还包括确定互联网营销渠道每个项目的估计微型损益（P＆L）的报表单位。每个项目的微型损益将项目的潜在投资与潜在投资的预计收入和利润联系起来。收益回应单元根据每个项目的微型损益产生每个项目的收入回报数据，利润回报单元根据每个项目的微型损益产生每个项目的利润回报数据。效率前沿响应单元根据收入响应数据和利润回答数据生成效率边界响应数据，其中效率边界响应数据基于每个项目中的投资金额来确定每个项目递减递减点。

5. 发明授权

US07442292B2 Liquid visual display 有权
标题翻译：液体视觉显示
公开(公告)号：US07442292B2
公开(公告)日：2008-10-28
申请号：US11518555
申请日：2006-09-08
申请人： Leon P. Janik , David Ferreira , Michael J. Williams
发明人： Leon P. Janik , David Ferreira , Michael J. Williams
IPC分类号： B01D35/143
CPC分类号： B01D35/143 , B01D29/606 , B01D46/0086 , B01D46/4254 , B01D46/446
摘要： A display provides an indication of the remaining useful life of a filter element by providing a visible level of fluid in the display corresponding to the remaining useful life. The fluid level is adjusted by a valve responsive to a pressure differential across the filter element. An increasing pressure differential produces an increased fluid level in the display. The display may be provided with markings indicating that a particular fluid level in the display corresponds to the need to change a filter cartridge containing the filter element.
摘要翻译：显示器通过在显示器中提供对应于剩余使用寿命的可见水平的液体来提供过滤器元件的剩余使用寿命的指示。通过响应于过滤元件上的压力差的阀来调节流体液位。增加的压力差在显示器中产生增加的液位。显示器可以设置有指示显示器中的特定流体水平对应于需要改变包含过滤元件的滤筒的标记。

6. 发明授权

US06364121B1 Filter cartridge with grommet spring 有权
标题翻译：滤芯带索环弹簧
公开(公告)号：US06364121B1
公开(公告)日：2002-04-02
申请号：US09357049
申请日：1999-07-19
申请人： Leon P. Janik , Michael J. Williams
发明人： Leon P. Janik , Michael J. Williams
IPC分类号： B01D2708
CPC分类号： B01D27/06 , B01D27/08 , B01D2201/34 , Y10S277/918
摘要： A filter cartridge for use with a base to create a filter assembly. The filter cartridge includes a seal to establish a fluid flow within the filter assembly and a resilient bias member to bias the filter cartridge away from the base. The resilient bias member in cooperation with a fastening mechanism secures the filter cartridge to the base.
摘要翻译：用于与基座一起使用以形成过滤器组件的过滤器滤芯。过滤器滤芯包括用于在过滤器组件内建立流体流动的密封件和弹性偏置构件以将过滤器滤芯偏离基座。与紧固机构配合的弹性偏置构件将过滤器滤芯固定到基座。

7. 发明授权

US5755937A Apparatus for applying layers of metal onto a surface 失效
标题翻译：用于将金属层施加到表面上的装置
公开(公告)号：US5755937A
公开(公告)日：1998-05-26
申请号：US748682
申请日：1996-11-13
申请人： James A. Patterson , George H. Miley , Michael J. Williams
发明人： James A. Patterson , George H. Miley , Michael J. Williams
IPC分类号： C23C14/22 , C23C14/50 , C23C14/34
CPC分类号： C23C14/223 , C23C14/50
摘要： An apparatus and method for supporting and agitating a plurality of loose objects during a procedure known as sputter coating. A magnetron gun and the apparatus are positioned within a vacuum chamber. The magnetron or sputtering gun produces a metal ion fog or vapor within the chamber which freely penetrates through screen mesh surfaces of a suspended basket of the apparatus containing the objects to be sputter coated. A solenoid or other suitable device vibrates the basket, agitating, and repeatedly momentarily suspending and reorienting the objects to achieve a very uniform metal layer being applied atop the objects. By changing the magnetron target or by using multiple magnetron, thin layers of multiple metals or layers with metal mixtures are also achievable with this technique.
摘要翻译：一种用于在称为溅射涂覆的过程中支撑和搅动多个松散物体的装置和方法。磁控管和设备位于真空室内。磁控管或溅射枪在室内产生金属离子雾或蒸气，其自由地穿过包含待溅射物体的装置的悬挂篮的筛网表面。螺线管或其他合适的装置振动篮子，搅动和反复短暂地悬挂和重新定向物体，以实现在物体顶部施加非常均匀的金属层。通过改变磁控管靶或通过使用多个磁控管，用这种技术也可以实现具有金属混合物的多个金属或多层的薄层。

8. 发明申请

US20120158607A1 METHOD, SYSTEM, AND APPARATUS FOR TRACKING A HAZARDOUS WASTE SHIPMENT WITH A MANIFEST 审中-公开
标题翻译：用于跟踪危险废物运输的方法，系统和装置
公开(公告)号：US20120158607A1
公开(公告)日：2012-06-21
申请号：US13274902
申请日：2011-10-17
申请人： JAMES K. BURNS , Michael J. Williams , David Sloat , Mark Olsen
发明人： JAMES K. BURNS , Michael J. Williams , David Sloat , Mark Olsen
IPC分类号： G06Q10/08
CPC分类号： G06Q10/0833
摘要： A system and method of tracking a shipment using a manifest is presented. The method includes composing and producing a uniquely numbered manifest containing a description of the materials that make up the content of the shipment. The method further includes creating a work order, responsive to obtaining information about materials intended to be shipped, and associating the work order with a manifest record comprising a unique number and information to be supplied for the header of the manifest. The method further includes adding to the manifest record lines of information describing the material to be shipped. At a subsequent time, for instance when a transporting vehicle arrives to pick up the material, information in the manifest record can be further edited. The method further includes producing a manifest based on the manifest record.
摘要翻译：提出了使用清单跟踪货物的系统和方法。该方法包括编写并生成唯一编号的清单，其中包含构成装运内容的材料的说明。该方法还包括创建工作单，响应于获得关于要运送的材料的信息，以及将工作订单与清单记录相关联，清单记录包括要为清单的报头提供的唯一编号和信息。该方法还包括向清单记录行添加描述待运送材料的信息。在随后的时间，例如当运输车辆到达接收材料时，可以进一步编辑清单记录中的信息。该方法还包括基于清单记录产生清单。

9. 发明授权

US07278420B2 Oropharyngeal airway 失效
标题翻译：口咽气道
公开(公告)号：US07278420B2
公开(公告)日：2007-10-09
申请号：US10666290
申请日：2003-09-19
申请人： Arjunan Ganesh , Valerie E. Armstead , Michael J. Williams
发明人： Arjunan Ganesh , Valerie E. Armstead , Michael J. Williams
IPC分类号： A61M16/08
CPC分类号： A61M16/04 , A61M16/0463 , A61M16/0493 , A61M16/0495 , A61M16/085 , A61M2210/0656 , A61M2230/432
摘要： An oropharyngeal device for insertion into the mouth of a patient. The device includes a body having a distal end and a proximal end with a flange formed at the proximal end. The distal end is inserted into the mouth until the flange is disposed outside and adjacent to the patient's mouth. The flange keeps the proximal device from entering the mouth. The body is sized such that the distal end of the body is disposed within the pharynx above the epiglottis. The device includes a channel that forms an airway between the ends. The device also includes at least three separate conduits integrated into the body for administering oxygen, suctioning, and for assessing ventilation thorough end-tidal carbon dioxide monitoring. The conduits for oxygenation and suctioning extend through the body between its proximal and distal ends. The conduit for end-tidal carbon dioxide monitoring terminates within the channel.
摘要翻译：用于插入患者口腔的口咽装置。该装置包括具有远端和近端的主体，该近端具有形成在近端的凸缘。将远端插入口中，直到凸缘设置在患者口腔的外侧和邻近处。法兰保持近端装置不进入口。身体的大小使得身体的远端设置在会厌上方的咽内。该装置包括在两端之间形成气道的通道。该装置还包括集成到主体中的至少三个分离的管道，用于施用氧气，抽吸和用于通过彻底的潮气二氧化碳监测来评估通风。用于氧合和抽吸的导管在其近端和远端之间延伸穿过身体。用于潮汐二氧化碳监测的管道在通道内终止。

10. 发明授权

US06964940B1 Method of preparing quaternized amidoamine surfactants 有权
标题翻译：制备季铵化氨基胺表面活性剂的方法
公开(公告)号：US06964940B1
公开(公告)日：2005-11-15
申请号：US10338442
申请日：2003-01-08
申请人： Duane S. Treybig , Grahame N. Taylor , James A. Krogh , Michael J. Williams
发明人： Duane S. Treybig , Grahame N. Taylor , James A. Krogh , Michael J. Williams
IPC分类号： B01F17/18 , C07C211/62 , C07C231/12 , C07C233/36 , C11D1/62 , C09K7/02
CPC分类号： C11D1/62 , C07C231/12 , C07C233/36
摘要： This invention is a method of preparing a quaternized amidoamine surfactant comprising reacting an amidotertiaryamine of formula with methyl halide and alkylene oxide, an aqueous quaternized amidoamine surfactant composition, a gelled aqueous composition comprising the quaternized amidoamine surfactant composition and one or more salts or alcohols and use of the gelled aqueous composition for fracturing subterranean formations.
摘要翻译：本发明是一种制备季铵化的酰氨基胺表面活性剂的方法，其包括将式的酰胺三胺与甲基卤化物和环氧烷反应，水性季铵化的酰胺胺表面活性剂组合物，包含季铵化的酰氨基胺表面活性剂组合物和一种或多种盐或醇的凝胶水性组合物，的用于压裂地下地层的凝胶水性组合物。

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