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1. 发明申请

US20110213690A1 CARBON FOOTPRINT DETERMINATIONS 审中-公开
标题翻译：碳质量测定
公开(公告)号：US20110213690A1
公开(公告)日：2011-09-01
申请号：US12713618
申请日：2010-02-26
申请人： Debashis Ghosh , Sudeshna Banerjee , Mark V. Krein , Sreedevi Gummuluri , Thayer S. Allison, JR. , David Joa , Kurt D. Newman , Yanghong Shao , Timothy Bendel
发明人： Debashis Ghosh , Sudeshna Banerjee , Mark V. Krein , Sreedevi Gummuluri , Thayer S. Allison, JR. , David Joa , Kurt D. Newman , Yanghong Shao , Timothy Bendel
IPC分类号： G06Q99/00 , G06Q50/00 , G06Q40/00
CPC分类号： G06Q30/02 , G06Q30/018 , G06Q40/04
摘要： Described herein are various apparatuses, methods, and computer program products for providing a carbon-footprint modeling environment that determines a consumer's carbon footprint based on the consumer's acquisition of goods and/or services, as indicated by the consumer's transaction data. For example, the carbon-footprint modeling environment collects the consumer's transaction data for a predefined period of time and identifies transaction data that indicates the consumer's acquisition of goods and/or services that, when produced and/or consumed, result in greenhouse gas emissions. According to some embodiments, the carbon-footprint modeling environment categorizes goods and/or services into, for example, the following categories: transportation, housing, food, waste, and miscellaneous. Based on information gleaned from the consumer's transaction data, the modeling environment may determine the quantities of goods and services the consumer consumed in each of the categories and then apply conversion ratios to convert the respective quantities of goods and/or services consumed into units of greenhouse gas emissions.
摘要翻译：这里描述的是用于提供碳足迹建模环境的各种装置，方法和计算机程序产品，其根据消费者的交易数据所指示的消费者对货物和/或服务的获取来确定消费者的碳足迹。例如，碳足迹建模环境在预定义的时间段内收集消费者的交易数据，并且识别指示消费者购买在生产和/或消费时产生温室气体排放的商品和/或服务的交易数据。根据一些实施例，碳足迹建模环境将商品和/或服务分类为例如以下类别：运输，住房，食品，废物和杂项。根据消费者交易数据收集的信息，建模环境可以确定消费者在每个类别中消费的商品和服务的数量，然后应用转化率将各种消费的商品和/或服务数量转换为温室单位气体排放

2. 发明申请

US20110166911A1 Leveraging Customer Information to Create and Utilize Financial Networks 审中-公开
标题翻译：利用客户信息创建和利用金融网络
公开(公告)号：US20110166911A1
公开(公告)日：2011-07-07
申请号：US12652628
申请日：2010-01-05
申请人： Kurt NEWMAN , Debashis GHOSH , Timothy BENDEL , David JOA
发明人： Kurt NEWMAN , Debashis GHOSH , Timothy BENDEL , David JOA
IPC分类号： G06Q10/00 , G06Q40/00
CPC分类号： G06Q30/0204 , G06Q30/02 , G06Q50/01
摘要： Aspects of this disclosure relate to a financial relationship and social relationship identifying computer which may include a processor and a memory storing computer executable instructions that, when executed, cause the computer to perform a method for identifying financial relationships and social relationships between customers of a business. The method for identifying financial relationship and social relationships between customers of a business may include determining one or more people with whom a first customer has conducted at least one financial transaction, electronically receiving customer data providing identities of customers of the business determining which of the one or more people are also customers of the business by comparing the one or more people with the customer data and compiling a subset of the one or more people including customers of the business with whom the first customer has conducted at least one financial transaction. The method may also include determining one or more people with whom a first customer has a social relationship.
摘要翻译：本公开的方面涉及一种财务关系和社会关系识别计算机，其可以包括处理器和存储计算机可执行指令的存储器，所述计算机可执行指令在被执行时使计算机执行用于识别商业客户之间的财务关系和社会关系的方法。用于识别业务的客户之间的财务关系和社会关系的方法可以包括确定与第一客户进行至少一个金融交易的一个或多个人，电子地接收提供业务的客户的身份的客户数据，确定一个或者更多的人也是业务的客户，通过将一个或多个人与客户数据进行比较，并编制一个或多个人的子集，包括首个客户进行至少一次金融交易的业务客户。该方法还可以包括确定与第一客户具有社交关系的一个或多个人。

3. 发明申请

US20110208586A1 Leveraging Demographic Data for Advertising Purposes 审中-公开
标题翻译：利用广告用途的人口统计数据
公开(公告)号：US20110208586A1
公开(公告)日：2011-08-25
申请号：US12712341
申请日：2010-02-25
申请人： David JOA , Debashis GHOSH , Kurt NEWMAN , Timothy BENDEL , Steve HILL
发明人： David JOA , Debashis GHOSH , Kurt NEWMAN , Timothy BENDEL , Steve HILL
IPC分类号： G06Q30/00 , G06K7/10
CPC分类号： G06Q30/0201 , G06Q30/0254 , G06Q30/0255
摘要： A computer assisted method selecting a potential audience for an advertisement wherein the method may include electronically receiving data relating to at least one financial transaction between a customer of an organization and a third party, electronically receiving data relating to at least one demographic of the customer, and using a demographic evaluation computer to determine a potential audience for an advertisement based on the financial transaction data and the demographic data. The method for determining a potential audience for an advertisement may include searching the electronically received demographic data for data that matches a first criterion which is related to the demographic data, searching the electronically received financial transaction data for data that matches a second criterion which is related to the financial transaction data, comparing the data that matches a first criterion with the data that matches the second criterion to determine which of the data matching the first criterion and the data matching the second criterion matches both the first and the second criterion, and compiling the data which matches both the first and the second criterion.
摘要翻译：一种计算机辅助方法，用于选择广告的潜在受众，其中所述方法可以包括电子地接收与组织的客户和第三方之间的至少一个金融交易相关的数据，电子地接收与所述客户的至少一个人口有关的数据，以及使用人口统计评估计算机根据金融交易数据和人口统计数据确定广告的潜在受众。用于确定广告的潜在受众的方法可以包括搜索电子接收的人口统计数据以获得与人口统计数据相关的第一标准的数据，搜索与电子接收的金融交易数据匹配的第二标准相关的数据对于金融交易数据，将与第一标准相匹配的数据与与第二标准相匹配的数据进行比较，以确定与第一标准匹配的数据中的哪一个与第二标准匹配的数据与第一和第二标准匹配，并且编译与第一和第二标准匹配的数据。

4. 发明申请

US20090055308A1 Multiple Asset Secured Umbrella Loan/Credit Product and Method 审中-公开
标题翻译：多种资产担保伞贷款/信用产品与方法
公开(公告)号：US20090055308A1
公开(公告)日：2009-02-26
申请号：US11842368
申请日：2007-08-21
申请人： Debashis Ghosh , Sudeshna Banerjee , Kurt Newman , Thayer Allison , Timothy Bendel
发明人： Debashis Ghosh , Sudeshna Banerjee , Kurt Newman , Thayer Allison , Timothy Bendel
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/025
摘要： A customer-oriented loan or credit product that allows separate multiple assets to be used as collateral in a single lending product such as a loan (for example, a home equity loan) or a line of credit (for example, a home equity line of credit).
摘要翻译：以客户为导向的贷款或信贷产品，允许单独的多种资产用作单一贷款产品中的抵押品，例如贷款（例如，房屋贷款）或信贷额度（例如，信用）。

5. 发明申请

US20070062176A1 Liquid propellant rocket engine with pintle injector and acoustic dampening 有权
标题翻译：液体推进剂火箭发动机，带有针筒式注射器和声学阻尼
公开(公告)号：US20070062176A1
公开(公告)日：2007-03-22
申请号：US11526990
申请日：2006-09-26
申请人： Timothy Bendel
发明人： Timothy Bendel
IPC分类号： F02K9/52
CPC分类号： F02K9/52 , F02K9/974 , F05D2260/96
摘要： A liquid propelled rocket engine comprising a unique pintle injector, radial injector plate and ablative insert to improve combustion stability and reduce harmonic disturbance within the chamber. The injector plate is generally in the shape of a ring surrounding a combination spud and pintle injector, the two allowing at least one liquid propellant and one liquid oxidizer to be injected into the chamber. The injector plate has an array of injectors for injecting liquid propellant into the chamber and a series of cavities within allowing the harmonic disturbance to be damped and providing a more stable combustion environment. The number of cavities and the unique pintle injector's length and width are chosen to reduce harmonic disturbance in the longitudinal, radial and lateral modes. A method for designing engine components and tuning harmonic frequencies within a combustion chamber is also disclosed.
摘要翻译：一种液体推进火箭发动机，其包括独特的针筒式注射器，径向注射器板和烧蚀插入件，以改善燃烧稳定性并减少腔室内的谐波干扰。注射器板通常为围绕组合突起和枢轴注射器的环形，两者允许至少一种液体推进剂和一种液体氧化剂注入腔室。喷射器板具有用于将液体推进剂喷射到腔室中的喷射器阵列和一系列空腔，以允许谐波干扰被阻尼并提供更稳定的燃烧环境。选择空腔的数量和独特的针筒进样器的长度和宽度以减少纵向，径向和横向模式中的谐波干扰。还公开了一种在燃烧室内设计发动机部件和调谐谐波频率的方法。

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