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61. 发明申请

US20100241573A1 Conducting Customized Market Surveys with Transactional Data 审中-公开
标题翻译：进行具有交易数据的定制市场调查
公开(公告)号：US20100241573A1
公开(公告)日：2010-09-23
申请号：US12405748
申请日：2009-03-17
申请人： David Joa , Debashis Ghosh , David N. Joffe , Kurt Newman , Thayer S. Allison, JR. , Aaron Lai , Mark V. Krein , Sudeshna Banerjee , Yanghong Shao , Timothy John Bendel , Samuel Jeff Carter
发明人： David Joa , Debashis Ghosh , David N. Joffe , Kurt Newman , Thayer S. Allison, JR. , Aaron Lai , Mark V. Krein , Sudeshna Banerjee , Yanghong Shao , Timothy John Bendel , Samuel Jeff Carter
IPC分类号： G06Q10/00 , G06F17/30 , G06F17/40 , G06Q30/00 , G06Q40/00 , G06Q20/00
CPC分类号： G06Q30/02 , G06F16/24575 , G06Q20/10 , G06Q30/0204 , G06Q50/188
摘要： Systems and methods for consumer participation in a marketing survey and for development of marketing solicitations by corporate clients based on consumer transactional/demographic data are described. An individual seeking to participate in a marketing survey may first choose to be included in a database containing many surveys that have been added by corporate sponsors. The system may select a willing consumer for participation in the survey based on predefined preferred data metrics. Upon participation, the consumer may also receive a reward in the form of a cash payment or gift, which the system may credit directly to the consumer's bank account and/or to the consumer's account with a corporate affiliate. In addition, the platform may be used to generate marketing contact lists based on consumer demographic and transactional data for a corporate client.
摘要翻译：描述了基于消费者交易/人口统计数据的消费者参与营销调查和公司客户开发营销征集的系统和方法。寻求参与营销调查的个人可以首先选择被包含在包含许多由公司赞助商添加的调查的数据库中。该系统可以基于预定义的优选数据度量来选择愿意参与调查的消费者。参与后，消费者还可以以现金支付或礼物的形式获得奖励，系统可以直接向公司会员单位向消费者的银行帐户和/或消费者的账户信贷。此外，平台可用于根据企业客户的消费者人口统计和交易数据来生成营销联系人列表。

62. 发明申请

US20100235271A1 DETERMINATIONS RELATING TO RESOURCE DISTRIBUTION 有权
标题翻译：关于资源分配的决定
公开(公告)号：US20100235271A1
公开(公告)日：2010-09-16
申请号：US12785172
申请日：2010-05-21
申请人： Debashis Ghosh , Yanghong Shao , Thayer S. Allison, Jr. , Kurt D. Newman , David Joa , Marc Douglas Halsted
发明人： Debashis Ghosh , Yanghong Shao , Thayer S. Allison, Jr. , Kurt D. Newman , David Joa , Marc Douglas Halsted
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06 , G06Q40/00 , G06Q40/02 , G06Q40/025 , G06Q40/04
摘要： Systems and methods that may determine whether to provide a resource to a consumer are disclosed. Further methods may allow distributing resources on an expedited basis or recheck previous determinations to provide a resource. In certain embodiment, resource transactions may be categorized. Illustrative categories may be organized by: investment, a non-investment expenditure, or income. In one embodiment, transactions categorized as non-investment expenditures may be categorized into subcategories, including necessities, discretionary, or debt. Calculations may be performed upon the categorized (and/or sub-categorized data). For example, one or more of the following ratios may be calculated: debt-to-income, investment-to-income, and expenditure-to-income. Ratios may be compared to one or more threshold values. Determinations of the threshold may consider information regarding other individuals' or business' resource transactions.
摘要翻译：公开了可以确定是否向消费者提供资源的系统和方法。进一步的方法可以允许在快速的基础上分配资源或重新检查先前的确定以提供资源。在某些实施例中，资源交易可以被分类。说明性类别可以通过以下方式组织：投资，非投资支出或收入。在一个实施例中，归类为非投资支出的交易可以分为子类别，包括必需品，酌情权或债务。可以对分类（和/或分类数据）执行计算。例如，可以计算以下一个或多个比率：债务与收入，投资与收入以及支出与收入。比率可以与一个或多个阈值进行比较。阈值的确定可以考虑关于其他个人或业务资源交易的信息。

63. 发明授权

US07783515B1 Itemized receipt tracking system 有权
标题翻译：分类收据跟踪系统
公开(公告)号：US07783515B1
公开(公告)日：2010-08-24
申请号：US12413324
申请日：2009-03-27
申请人： Puneet Kumar , Debashis Ghosh , Matthew Brian Cincera , Sudeshna Banerjee
发明人： Puneet Kumar , Debashis Ghosh , Matthew Brian Cincera , Sudeshna Banerjee
IPC分类号： G06Q20/00 , G06Q40/00 , G06Q30/00 , G06F17/30
CPC分类号： G06Q20/10 , G06Q10/10 , G06Q20/0453 , G06Q20/102 , G06Q20/1085 , G06Q20/20 , G06Q30/06 , G06Q30/0633 , G06Q40/00
摘要： Embodiments of the present invention are directed to apparatuses, systems, methods, and computer program products for: (1) receiving transaction data from a transaction involving a consumer, where the transaction data comprises product-level information; (2) storing the transaction data in memory; and/or (3) posting the transaction data to an account accessible to the consumer.
摘要翻译：本发明的实施例涉及用于：（1）从涉及消费者的交易接收交易数据的装置，系统，方法和计算机程序产品，其中交易数据包括产品级信息; （2）将交易数据存储在存储器中; 和/或（3）将交易数据发布到消费者可访问的帐户。

64. 发明申请

US20100169386A1 IDENTITY DATABASE BUREAU 有权
公开(公告)号：US20100169386A1
公开(公告)日：2010-07-01
申请号：US12344858
申请日：2008-12-29
申请人： Debashis Ghosh , Michael O'Hagan , David Joa , Kurt D. Newman , Thayer Allison , Sudeshna Banerjee , Mark V. Krein
发明人： Debashis Ghosh , Michael O'Hagan , David Joa , Kurt D. Newman , Thayer Allison , Sudeshna Banerjee , Mark V. Krein
IPC分类号： G06F17/30 , G06F7/00
CPC分类号： G07C9/00158
摘要： Systems and methods for making biometric data susceptible to use in locating individuals and tracking the location of individuals over time are provided. The system may involve the collection of initial biometric data, including iris scans, and corresponding identification information, the entry of such data into a database, and then the further collection of biometric data associated with locational information and entry of that data into a database correlating to the first database.
摘要翻译：提供了用于使生物特征数据易于用于定位个体并跟踪个体随时间的位置的系统和方法。该系统可以涉及初始生物特征数据的收集，包括虹膜扫描和相应的识别信息，将这些数据输入到数据库中，然后进一步收集与位置信息相关联的生物特征数据，并将该数据输入数据库相关联到第一个数据库。

65. 发明申请

US20100114724A1 BANK CARD AUTHORIZATION WITH BALANCE INDICATOR 有权
标题翻译：银行卡授权与平衡指标
公开(公告)号：US20100114724A1
公开(公告)日：2010-05-06
申请号：US12261970
申请日：2008-10-30
申请人： Debashis Ghosh , David Joa , Kurt D. Newman , Thayer Allison , Sudeshna Banerjee , Mark V. Krein
发明人： Debashis Ghosh , David Joa , Kurt D. Newman , Thayer Allison , Sudeshna Banerjee , Mark V. Krein
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/20 , G06Q20/209 , G06Q20/40 , G06Q40/00
摘要： Systems, methods, and computer program products are provided for providing a consumer with information about the balance of the consumer's credit or debit account after a transaction, such as a purchase transaction, is made using the credit or debit account. In one embodiment, the issuing bank attaches a number representing the balance of the consumer's credit or debit account and/or other information about the balance to the authorization code when authorizing a purchase transaction so that, when a vendor provides the consumer with a purchase receipt that has the authorization code on the receipt, the balance information is automatically included on the receipt with the authorization code. In this way, the consumer can keep track of spending by knowing the total balance of the consumer's credit and/or debit account and/or other balance information after each credit or debit card purchase.
摘要翻译：提供系统，方法和计算机程序产品，以便在使用信用卡或借记帐户进行交易（如购买交易）之后向消费者提供关于消费者信用卡或借记帐户余额的信息。在一个实施例中，当授权购买交易时，发行银行将表示消费者信用或借记帐户余额的数字和/或关于余额的其他信息附加到授权代码，使得当供应商向消费者提供购买收据在收据上具有授权码，余额信息将自动包含在带有授权码的收据上。以这种方式，消费者可以通过了解每个信用卡或借记卡购买之后消费者的信用卡和/或借记帐户和/或其他余额信息的总余额来跟踪支出。

66. 发明申请

US20100057574A1 BUDGET ENVELOPE CREDIT CARD 审中-公开
标题翻译：预算信用卡
公开(公告)号：US20100057574A1
公开(公告)日：2010-03-04
申请号：US12199906
申请日：2008-08-28
申请人： Sudeshna Banerjee , Debashis Ghosh , David N. Joffe , Hans Shumacher , Sreedevi Gummuluri , Jeff Carter , Nicholas Halpern , Dan Ariely
发明人： Sudeshna Banerjee , Debashis Ghosh , David N. Joffe , Hans Shumacher , Sreedevi Gummuluri , Jeff Carter , Nicholas Halpern , Dan Ariely
IPC分类号： G06Q40/00 , G06Q30/00
CPC分类号： G06Q40/02 , G06Q30/02 , G06Q30/0269 , G06Q40/00
摘要： Apparatus and methods for providing a budget envelope credit card are provided. An apparatus according to the invention may include a budget envelope credit card software engine and a rewards software engine that provides a reward scheme for use by the budget envelope credit card engine, the rewards scheme that defines a reward frequency.
摘要翻译：提供了一种提供预算信封信用卡的设备和方法。根据本发明的装置可以包括预算信封信用卡软件引擎和奖励软件引擎，其提供由预算信封信用卡引擎使用的奖励方案，定义奖励频率的奖励方案。

67. 发明授权

US07406999B2 Capillary-assisted compact thermosiphon 有权
标题翻译：毛细管辅助紧凑型热虹吸管
公开(公告)号：US07406999B2
公开(公告)日：2008-08-05
申请号：US11412287
申请日：2006-04-27
申请人： Mohinder Singh Bhatti , Ilya Reyzin , Debashis Ghosh
发明人： Mohinder Singh Bhatti , Ilya Reyzin , Debashis Ghosh
IPC分类号： F28D15/02
CPC分类号： F28D15/0233 , F28D15/0266 , F28D15/04 , H01L23/427 , H01L2924/0002 , H01L2924/00
摘要： A thermosiphon cooling assembly cools an electronic device with a conical condensing tube disposed about a curved central axis curving upwardly from a top of the evaporating unit to an upper distal end and a shroud disposed outward of an exterior surface of the condensing tube at the upper distal end extending axially along the central axis from the upper distal end to a lower edge spaced from the top defining an air opening. An air moving device moves air about the central axis within the shroud to the air opening. A plurality of condensing fins are disposed in the condensing tube and each condensing fin forms a pair of corners with an interior surface of the condensing tube and a wick material is disposed in each of the corners to return condensed vapor to the evaporating unit.
摘要翻译：热虹吸冷却组件用电子装置冷却电子装置，该锥形冷凝管围绕弯曲的中心轴线设置，该中心轴线从蒸发单元的顶部向上弯曲到上部远端，并且在上部远端处设置在冷凝管外表面外侧的护罩所述端部沿所述中心轴线从所述上远端轴向延伸到与限定空气开口的顶部间隔开的下边缘。空气移动装置将围绕护罩的中心轴线的空气移动到空气开口。多个冷凝翅片设置在冷凝管中，并且每个冷凝翅片与冷凝管的内表面形成一对角部，并且每个角部设置芯材以将冷凝的蒸气返回到蒸发单元。

68. 发明申请

US20080076016A1 Design for reducing thermal spreads within a battery module 审中-公开
标题翻译：设计用于减少电池模块内的热量传播
公开(公告)号：US20080076016A1
公开(公告)日：2008-03-27
申请号：US11820904
申请日：2007-06-21
申请人： Debashis Ghosh , John R. Hambruch
发明人： Debashis Ghosh , John R. Hambruch
IPC分类号： H01M10/50
CPC分类号： H01M10/613 , H01M10/643 , H01M10/6563 , H01M10/6566
摘要： A battery pack assembly comprising a plurality of battery packs each including a plurality of cells and a plurality of blocking pieces. Each battery pack defines an air path therethrough and each of the air paths includes an air inlet chamber extending the length of the respective battery pack for supplying air. Each air path is defined on one side by the cylindrical walls of the cells. Each of the cells has an exposed portion being the portion of the respective cell adjacent and exposed to said air inlet chamber. The blocking pieces are disposed in the air inlet chamber. Each blocking piece extends longitudinally along the length of one of the cells and each blocking piece is associated with one of the cells. Each of the blocking pieces reduces the size of the exposed portion of the respective cell to meter the flow of air around the respective cell.
摘要翻译：一种电池组组件，包括多个电池组，每个电池组包括多个电池和多个阻塞件。每个电池组限定穿过其中的空气通道，并且每个空气路径包括延伸相应电池组的长度用于供应空气的空气入口室。每个空气通道由单元的圆柱形壁一侧限定。每个电池具有暴露部分，其是相应电池的相邻并暴露于所述空气入口室的部分。阻挡件设置在空气入口室中。每个阻挡件沿着一个电池的长度纵向延伸，并且每个阻塞件与一个电池相关联。每个阻挡件减小相应电池的暴露部分的尺寸以测量相应电池单元周围的空气流。

69. 发明授权

US07331380B2 Radial flow micro-channel heat sink with impingement cooling 失效
标题翻译：径流微通道散热器，具有冲击冷却功能
公开(公告)号：US07331380B2
公开(公告)日：2008-02-19
申请号：US11205338
申请日：2005-08-17
申请人： Debashis Ghosh , Mohinder Singh Bhatti , Ilya Reyzin , Mark Joseph Parisi
发明人： Debashis Ghosh , Mohinder Singh Bhatti , Ilya Reyzin , Mark Joseph Parisi
IPC分类号： F28F13/06
CPC分类号： H01L23/473 , H01L2924/0002 , H01L2924/00
摘要： A heat sink removes heat from an electronic device and comprises a base, a lid. An inner ring of first fins extend radially outwardly first length from an inner circle and extend axially a first height from the top surface of the base, and an outer ring of second fins extend radially inwardly a second length from an outer periphery and extend axially a second height from the top surface of the base. A confining plate extends radially above the fins and is spaced below the bottom surface of the lid whereby coolant fluid flows from an inlet opening of the lid through the center opening of the confining plate and radially outwardly through the fins and upward around the outer edge of the confining plate and into the space above the confining plate to an outlet opening. A nozzle having a throat is disposed above the lid and extends below the lid to the confining plate. A flow diverter extends upwardly from the top surface of the base and into and through the throat of the nozzle.
摘要翻译：散热器从电子设备移除热量，并且包括底座，盖子。第一翅片的内环从内圆周径向向外延伸第一长度，并从基座的顶表面轴向延伸第一高度，第二翅片的外环从外周向径向向内延伸第二长度，并且轴向延伸从基座顶面的第二高度。限制板径向延伸在翅片的上方并且在盖的底部表面下方间隔开，从而冷却剂流体从盖的入口开口流过约束板的中心开口并径向向外通过翅片并且向上绕着限制板并进入限制板上方的空间到出口。具有喉部的喷嘴设置在盖的上方并在盖的下方延伸到限制板。分流器从基座的顶表面向上延伸并且穿过喷嘴的喉部。

70. 发明申请

US20070289313A1 Thermosiphon with thermoelectrically enhanced spreader plate 审中-公开
标题翻译：热虹吸与热电增强吊具板
公开(公告)号：US20070289313A1
公开(公告)日：2007-12-20
申请号：US11453717
申请日：2006-06-15
申请人： Mohinder Singh Bhatti , Ilya Reyzin , Debashis Ghosh
发明人： Mohinder Singh Bhatti , Ilya Reyzin , Debashis Ghosh
IPC分类号： F25B21/02 , F25D23/12
CPC分类号： F25B21/02 , F25B2321/023 , F25B2321/0251 , H01L23/38 , H01L2924/0002 , H01L2924/00
摘要： A cooling assembly includes a plate having a center portion for engaging and transferring heat from the electronic device and a peripheral portion surrounding the center portion. A heat sink overlies the plate and receives heat from the plate. A thermoelectric module is disposed between the peripheral portion of the plate and the heat sink for pumping heat laterally from the center portion of the plate to the peripheral portion of the plate and then to the heat sink.
摘要翻译：冷却组件包括具有用于接合和传递来自电子设备的热量的中心部分和围绕中心部分的周边部分的板。散热片覆盖在板上并从板上接收热量。热电模块设置在板的周边部分和散热器之间，用于从板的中心部分向板的周边部分横向泵送热量，然后到散热器。

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