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    • 5. 发明授权
    • Mobile telephone handset
    • 手机电话
    • US07349004B2
    • 2008-03-25
    • US11107305
    • 2005-04-15
    • Paul PriestmanOliver KingSean Lewis
    • Paul PriestmanOliver KingSean Lewis
    • H04N7/14
    • H04M1/0216H04M1/0214H04M1/0247H04M1/03H04M2250/52H04N7/142H04N7/144H04N7/147H04N7/148H04N2007/145
    • A mobile telephone handset comprising a radio telecommunications interface for wirelessly transmitting and receiving radio signals to and from a mobile telecommunications network is disclosed. The handset comprises first and second audio loudspeakers positioned to output audio from two different locations on the handset, wherein the first audio loudspeaker is mounted on a first portion and the second audio loudspeaker is mounted on a second, different portion, and wherein the first and second portions are movable from a first relative position in which the handset is compact and in which the audio loudspeakers are relatively closely spaced to a second relative position in which the audio loudspeakers are relatively widely spaced.
    • 公开了一种移动电话手机,其包括用于向移动电信网络和从移动电信网络无线发送和接收无线电信号的无线电电信接口。 手机包括第一和第二音频扬声器,其被定位成从手持机上的两个不同位置输出音频,其中第一音频扬声器安装在第一部分上,而第二音频扬声器安装在第二不同部分上,并且其中第一和第二音频扬声器 第二部分可从手机紧凑的第一相对位置移动,其中音频扬声器相对紧密地间隔到第二相对位置,在第二相对位置,音频扬声器相对较宽地间隔开。
    • 6. 发明申请
    • System and method for managing renewable repriced mortgage guaranty insurance
    • 管理可再生能源抵押担保保险的制度和方法
    • US20080027762A1
    • 2008-01-31
    • US11787774
    • 2007-04-17
    • Thomas HerzfeldSean Lewis
    • Thomas HerzfeldSean Lewis
    • G06Q40/00
    • G06Q40/02G06Q40/08
    • A mortgage guaranty insurance policy is described having periodically adjusted premiums, the determination of said premiums being partially based on loan seasoning; and a claim settlement option chosen from the following: immediate lump-sum settlement, principal and interest payments being maintained for a fixed period prior to loan payoff, principal and interest payments being maintained until loan payoff is demanded by insured, principal and interest payments until the loan is paid off by the insurer. In one embodiment, the premium paid by the lender comprises the sum of individual premiums assigned to each loan in the insured portfolio, and each of said individual premiums are each adjusted according to separate fixed schedules. In another embodiment, the premium paid by the lender comprises the sum of individual premiums assigned to each loan in the insured portfolio, and said individual premiums are adjusted according to the same fixed schedule. In another embodiment, at least one premium adjustment includes a retrospective portion.
    • 描述了按比例保费的定期调整保险费,确定保险费部分取决于贷款调整; 以及从以下选择的索赔解决方案:立即一次性结算,本金和利息支付在贷款偿还之前固定期间维持本金和利息支付,直到保险,本金和利息支付要求偿还债务为止,直到 贷款由保险公司偿还。 在一个实施例中,贷款人支付的保险费包括分配给保险组合中的每笔贷款的个人保险费的总和,并且每个所述个人保费分别根据单独的固定时间表进行调整。 在另一个实施例中,贷款人支付的保险费包括分配给被保险组合中的每笔贷款的个人保险费的总和,并且所述个人保费根据相同的固定时间表进行调整。 在另一个实施例中,至少一个保费调整包括追溯部分。