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    • 5. 发明授权
    • Method and system for rapid loan approval
    • 快速贷款审批方式和制度
    • US07933833B2
    • 2011-04-26
    • US11469467
    • 2006-08-31
    • Stephen HotzJennifer KellyKrishnamoorthy SrinivasanAjay Kumar Jindia
    • Stephen HotzJennifer KellyKrishnamoorthy SrinivasanAjay Kumar Jindia
    • G06Q40/00
    • G06Q40/02G06Q20/042G06Q20/10G06Q20/108G06Q20/382G06Q30/0241G06Q30/0609G06Q40/00G06Q40/025G06Q40/04
    • A method and apparatus for rapidly and remotely providing temporary credit to a borrower is provided. In one embodiment, a lender uses as one criterion in approving the temporary credit a minimum number of deposits within a predetermined deposit verification time. Upon receipt of a request for credit, which may come either from a prospective borrower or from a merchant upon denial of credit to the prospective borrower, a lender queries a deposit account to determine whether a predetermined minimum number of deposits has been made within a predetermined deposit verification time. The lender may also determine whether each of the deposits exceeds a minimum deposit amount. Where approved, the lender is able to rapidly dispense funds for use by the borrower. In one embodiment, the lender makes these funds available via a pre-paid credit card. The lender is then able to collect principal and interest through electronic withdrawals.
    • 提供了一种快速远程向借款人提供临时信用的方法和装置。 在一个实施例中,放贷人在预定的存款验证时间内使用批准临时贷款最低数量的存款的一个标准。 在收到信用请求后,可能来自潜在的借款人或从商家拒绝向潜在的借款人提供贷款,贷方询问存款帐户以确定在预定的期限内是否已经制定了预定的最低数量的存款 存款验证时间。 贷款人还可以确定每个存款是否超过最低存款金额。 经批准,贷款人能够快速分配借款人使用的资金。 在一个实施例中,贷款人通过预付费信用卡使这些资金可用。 贷款人然后可以通过电子提款收取本金和利息。
    • 6. 发明申请
    • Method and System for Rapid Loan Approval
    • 快速贷款批准的方法和制度
    • US20080059363A1
    • 2008-03-06
    • US11469467
    • 2006-08-31
    • Stephen HotzJennifer KellyKrishnamoorthy SrinivasanAjay Kumar Jindia
    • Stephen HotzJennifer KellyKrishnamoorthy SrinivasanAjay Kumar Jindia
    • G06Q40/00
    • G06Q40/02G06Q20/042G06Q20/10G06Q20/108G06Q20/382G06Q30/0241G06Q30/0609G06Q40/00G06Q40/025G06Q40/04
    • A method and apparatus for rapidly and remotely providing temporary credit to a borrower is provided. In one embodiment, a lender uses as one criterion in approving the temporary credit a minimum number of deposits within a predetermined deposit verification time. Upon receipt of a request for credit, which may come either from a prospective borrower or from a merchant upon denial of credit to the prospective borrower, a lender queries a deposit account to determine whether a predetermined minimum number of deposits has been made within a predetermined deposit verification time. The lender may also determine whether each of the deposits exceeds a minimum deposit amount. Where approved, the lender is able to rapidly dispense funds for use by the borrower. In one embodiment, the lender makes these funds available via a pre-paid credit card. The lender is then able to collect principal and interest through electronic withdrawals.
    • 提供了一种快速远程向借款人提供临时信用的方法和装置。 在一个实施例中,放贷人在预定的存款验证时间内使用批准临时贷款最低数量的存款的一个标准。 在收到信用请求后,可能来自潜在的借款人或从商家拒绝向潜在的借款人提供贷款,贷方询问存款帐户以确定在预定的期限内是否已经制定了预定的最低数量的存款 存款验证时间。 贷款人还可以确定每个存款是否超过最低存款金额。 经批准,贷款人能够快速分配借款人使用的资金。 在一个实施例中,贷款人通过预付费信用卡使这些资金可用。 贷款人然后可以通过电子提款收取本金和利息。
    • 7. 发明授权
    • System for managing database of communication recipients
    • 用于管理通信接收者数据库的系统
    • US5806057A
    • 1998-09-08
    • US645585
    • 1996-05-14
    • Michael GormleyKevin PotterJennifer Kelly
    • Michael GormleyKevin PotterJennifer Kelly
    • G06Q30/02G06Q30/06G06F17/30
    • G06Q30/02G06Q30/06Y10S707/917Y10S707/99931Y10S707/99933Y10S707/99945Y10S707/99948
    • A computer system for creating and managing a database of communication recipients which processes queries and otherwise operates in accordance with user commands to perform telemarketing, mass mailing, direct mailing and other communication functions. The computer is programmed to create automatic salutations, to automatically generate lists of carbon copy recipients, and to export data from the database to word processing systems for merging with text. In addition, the computer is programmed to analyze new records to ensure they are not duplicates of existing records. A user is provided with options to keep one or both records, or to combine both records into a new record. The computer is programmed to retrieve records on the basis of queries using one or more defined codes which can be ANDed and ORed together in accordance with Boolean logic, among other functions.
    • 一种用于创建和管理通信接收者的数据库的计算机系统,其处理查询,或者根据用户命令进行操作以执行电话营销,大规模邮件,直接邮寄和其他通信功能。 计算机被编程为创建自动提示,自动生成碳复制收件人列表,并将数据从数据库导出到文字处理系统以与文本合并。 此外,计算机被编程为分析新记录,以确保它们不与现有记录重复。 向用户提供保留一个或两个记录的选项,或将两个记录组合成新的记录。 计算机被编程为基于使用一个或多个定义的代码的查询来检索记录,其可以根据布尔逻辑以及其他功能进行AND运算和OR运算在一起。
    • 8. 发明授权
    • System for managing database of communication of recipients
    • 用于管理收件人通信数据库的系统
    • US5628004A
    • 1997-05-06
    • US343976
    • 1994-11-18
    • Michael GormleyKevin PotterJennifer Kelly
    • Michael GormleyKevin PotterJennifer Kelly
    • G06Q30/02G06Q30/06G06F7/20G06F17/30
    • G06Q30/02G06Q30/06Y10S707/917Y10S707/99931Y10S707/99933Y10S707/99945Y10S707/99948
    • A computer system for creating and managing a database of communication recipients which processes queries and otherwise operates in accordance with user commands to perform telemarketing, mass mailing, direct mailing and other communication functions. The computer is programmed to create automatic salutations, to automatically generate lists of carbon copy recipients, and to export data from the database to word processing systems for merging with text. In addition, the computer is programmed to analyze new records to ensure they are not duplicates of existing records. A user is provided with options to keep one or both records, or to combine both records into a new record. The computer is programmed to retrieve records on the basis of queries using one or more defined codes which can be ANDed and ORed together in accordance with Boolean logic, among other functions.
    • 一种用于创建和管理通信接收者的数据库的计算机系统,其处理查询,或者根据用户命令进行操作以执行电话营销,大规模邮件,直接邮寄和其他通信功能。 计算机被编程为创建自动提示,自动生成碳复制收件人列表,并将数据从数据库导出到文字处理系统以与文本合并。 此外,计算机被编程为分析新记录,以确保它们不与现有记录重复。 向用户提供保留一个或两个记录的选项,或将两个记录组合成新的记录。 计算机被编程为基于使用一个或多个定义的代码的查询来检索记录,其可以根据布尔逻辑以及其他功能进行AND运算和OR运算在一起。
    • 10. 发明授权
    • Dog biscuit for controlling malodorous breath in dogs
    • 狗饼干用于控制狗的恶臭呼吸
    • US06265011B1
    • 2001-07-24
    • US09560284
    • 2000-04-27
    • Wayne KellyJennifer Kelly
    • Wayne KellyJennifer Kelly
    • A21D218
    • A21D2/36A23K20/10A23K40/20A23K40/25A23K50/42Y10S426/805
    • A dog biscuit is disclosed for controlling malodorous breath in dogs. The dog biscuit includes about 8-12 parts by weight whole wheat flour, about 4-6 parts oat bran, about 2-3 parts non-fat dry milk, and about 2-3 parts brown rice flour. The dog biscuit also includes water, vanilla extract, parsley, alfalfa powder, vegetable oil, peppermint extract, tarragon, peppermint leaf powder, and spearmint leaf powder. The vegetable oil includes an antioxidant and is preferably sunflower oil. The parsley is preferably fresh parsley, and the ratio of parsley to whole wheat flour is about 1:4 by weight. The dog biscuit is readily eaten by dogs and effectively neutralizes malodorous breath in them. Also part of the invention is a method of making the dog biscuit.
    • 披露狗饼干以控制狗中的恶臭呼吸。 狗饼干包括约8-12重量%的全麦面粉,约4-6份燕麦麸,约2-3份非脂肪干奶和约2-3份糙米粉。 狗饼干还包括水,香草提取物,欧芹,苜蓿粉,植物油,薄荷提取物,龙蒿,薄荷叶粉和薄荷叶粉。 植物油包含抗氧化剂,优选向日葵油。 香菜优选为新鲜的欧芹,并且欧芹与全麦面粉的重量比约为1:4。 狗饼干容易被狗吃掉,并有效地消除了恶臭的呼吸。 本发明的另一部分是制作狗饼干的方法。