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1. 发明授权

US08131635B2 Method and system to manage a credit portfolio and to trigger credit actions 有权
标题翻译：管理信贷投资组合和触发信贷行为的方法和系统
公开(公告)号：US08131635B2
公开(公告)日：2012-03-06
申请号：US10709184
申请日：2004-04-20
申请人： Kris Gagnon , Bridget Garavalia , Hetty E. Harlan , Michael McKay , Jackie Noble , Arun Pinto , Vipin Ramani
发明人： Kris Gagnon , Bridget Garavalia , Hetty E. Harlan , Michael McKay , Jackie Noble , Arun Pinto , Vipin Ramani
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/025 , G06Q40/06
摘要： A method to trigger credit actions may include determining a quantity of triggers flagged for a selected creditor. The method may also include establishing an action plan in response to the quantity of flagged triggers being greater than the predetermined number. In accordance with another embodiment of the present invention, a system to trigger credit actions may include a processor and at least one trigger. The system may also include a credit action program operable on the processor to generate a sires of inquiries and to determine a quantity of the at least one trigger being flagged based on the responses to the series of inquiries for a selected creditor.
摘要翻译：触发信用动作的方法可以包括确定为所选债权人标记的触发的数量。该方法还可以包括响应于大于预定数量的标记触发器的数量来建立动作计划。根据本发明的另一个实施例，触发信用动作的系统可以包括处理器和至少一个触发器。系统还可以包括在处理器上可操作的信用动作程序，以产生询问数，并且基于对所选债权人的一系列查询的响应来确定所标记的至少一个触发器的数量。

2. 发明申请

US20050234792A1 METHOD AND SYSTEM TO MANAGE A CREDIT PORTFOLIO AND TO TRIGGER CREDIT ACTIONS 有权
标题翻译：用于管理信用组合和触发信用交易的方法和系统
公开(公告)号：US20050234792A1
公开(公告)日：2005-10-20
申请号：US10709184
申请日：2004-04-20
申请人： Kris Gagnon , Bridget Garavalia , Hetty Harlan , Michael McKay , Jackie Noble , Arun Pinto , Vipin Ramani
发明人： Kris Gagnon , Bridget Garavalia , Hetty Harlan , Michael McKay , Jackie Noble , Arun Pinto , Vipin Ramani
IPC分类号： G06F17/60
CPC分类号： G06Q40/02 , G06Q40/025 , G06Q40/06
摘要： A method to trigger credit actions may include determining a quantity of triggers flagged for a selected creditor. The method may also include establishing an action plan in response to the quantity of flagged triggers being greater than the predetermined number. In accordance with another embodiment of the present invention, a system to trigger credit actions may include a processor and at least one trigger. The system may also include a credit action program operable on the processor to generate a sires of inquiries and to determine a quantity of the at least one trigger being flagged based on the responses to the series of inquiries for a selected creditor.
摘要翻译：触发信用动作的方法可以包括确定为所选债权人标记的触发的数量。该方法还可以包括响应于大于预定数量的标记触发器的数量来建立动作计划。根据本发明的另一个实施例，触发信用动作的系统可以包括处理器和至少一个触发器。系统还可以包括在处理器上可操作的信用动作程序，以产生询问数，并且基于对所选债权人的一系列查询的响应来确定所标记的至少一个触发器的数量。

3. 发明申请

US20150024176A1 VEHICLE PHOTOCATALYTIC AIR PURIFICATION APPARATUS AND METHOD 审中-公开
标题翻译：车辆光化学空气净化装置及方法
公开(公告)号：US20150024176A1
公开(公告)日：2015-01-22
申请号：US14163448
申请日：2014-01-24
申请人： Matthew W. Noel , Michael McKay
发明人： Matthew W. Noel , Michael McKay
IPC分类号： B60J11/04 , A61L9/20 , B01J31/38
CPC分类号： B01J35/004 , A61L9/205 , B01J21/00 , B01J21/063 , B01J37/0215 , Y10T428/24372 , Y10T428/24851 , Y10T428/2878
摘要： Provided is a photocatalytic air purification vehicle wrap for at least partially covering an exterior surface of a vehicle. The vehicle wrap comprises a film or laminate material comprising a first surface area and a second surface area, the first surface area adapted to adhere to the exterior surface of the vehicle. The vehicle wrap further comprises a coating layer disposed on the second surface, the coating layer comprising a titanium dioxide solution cured onto the film or laminate material with ultraviolet radiation, wherein the coating layer is an outermost layer of the vehicle wrap such that the cured titanium dioxide solution is exposed to air surrounding the vehicle when the first surface area is adhered to the exterior surface of the vehicle.
摘要翻译：提供一种用于至少部分地覆盖车辆外表面的光催化空气净化车辆包装。车辆包裹物包括膜或层压材料，其包括第一表面区域和第二表面区域，第一表面区域适于粘附到车辆的外表面。车辆外包装还包括设置在第二表面上的涂层，涂层包括用紫外线辐射固化在膜或层压材料上的二氧化钛溶液，其中涂层是车辆包装的最外层，使得固化的钛当第一表面区域粘附到车辆的外表面时，二氧化碳溶液暴露于车辆周围的空气。

4. 发明授权

US08529157B2 Bracket system for building a deck or dock on a rock face 有权
标题翻译：用于在岩石面上建造甲板或码头的支架系统
公开(公告)号：US08529157B2
公开(公告)日：2013-09-10
申请号：US12958565
申请日：2010-12-02
申请人： Michael McKay
发明人： Michael McKay
IPC分类号： E02B3/20
CPC分类号： E02B3/068
摘要： There is disclosed an improved bracket and method for constructing a dock or deck over water on a rocky shore line or on a hard rock face. The present invention includes a base bracket structure having opposite first and second ends, the base bracket being mountable to the rock by a plurality of anchor bolts. A boom having opposite first and second ends is pivotally connected to the base bracket structure adjacent the first end of the angle brackets such that the boom can be set at an angle relative to the base bracket structure, the boom being configured to mount the deck or dock thereon. The improved structure further includes a support rod having opposite first and second ends, the first end of the support rod being pivotally connected to the base bracket structure. The support rod is coupled to the boom by a connector joint located on the boom at a point on the boom between the booms opposite first and second ends. The connector joint is configured to selectively adjust the angle of the boom relative to the base bracket portion such that the boom is substantially horizontal. The connector joint is further configured to fix the boom in place relative to the base bracket portion.
摘要翻译：公开了一种改进的支架和方法，用于在岩石岸线或硬岩面上的水上构造码头或甲板。本发明包括具有相对的第一和第二端的基座支架结构，所述基座支架通过多个锚固螺栓安装到岩石上。具有相对的第一和第二端的悬臂与邻近角托架的第一端枢转地连接到基座支架结构，使得悬臂可以相对于基架支架结构成一角度，吊臂被构造成安装甲板或在其上停靠。改进的结构还包括具有相对的第一和第二端的支撑杆，支撑杆的第一端枢转地连接到基座支架结构。支撑杆通过位于起重臂上的连杆接头连接到起重臂上，在悬臂之间的第一和第二端部相对的悬臂上的点处。连接器接头构造成选择性地调节悬臂相对于基座支架部分的角度，使得起重臂基本上是水平的。连接器接头还被构造成相对于基座托架部分将吊杆固定在适当位置。

5. 发明授权

US09220802B2 Vehicle photocatalytic air purification apparatus and method 有权
标题翻译：车载光催化空气净化装置及方法
公开(公告)号：US09220802B2
公开(公告)日：2015-12-29
申请号：US14163448
申请日：2014-01-24
申请人： Matthew W. Noel , Michael McKay
发明人： Matthew W. Noel , Michael McKay
IPC分类号： B32B3/00 , A61L9/20 , B01J21/00 , B01J35/00
CPC分类号： B01J35/004 , A61L9/205 , B01J21/00 , B01J21/063 , B01J37/0215 , Y10T428/24372 , Y10T428/24851 , Y10T428/2878
摘要： Provided is a photocatalytic air purification vehicle wrap for at least partially covering an exterior surface of a vehicle. The vehicle wrap comprises a film or laminate material comprising a first surface area and a second surface area, the first surface area adapted to adhere to the exterior surface of the vehicle. The vehicle wrap further comprises a coating layer disposed on the second surface, the coating layer comprising a titanium dioxide solution cured onto the film or laminate material with ultraviolet radiation, wherein the coating layer is an outermost layer of the vehicle wrap such that the cured titanium dioxide solution is exposed to air surrounding the vehicle when the first surface area is adhered to the exterior surface of the vehicle.
摘要翻译：提供一种用于至少部分地覆盖车辆外表面的光催化空气净化车辆包装。车辆包裹物包括膜或层压材料，其包括第一表面区域和第二表面区域，第一表面区域适于粘附到车辆的外表面。车辆外包装还包括设置在第二表面上的涂层，涂层包括用紫外线辐射固化在膜或层压材料上的二氧化钛溶液，其中涂层是车辆包装的最外层，使得固化的钛当第一表面区域粘附到车辆的外表面时，二氧化碳溶液暴露于车辆周围的空气。

6. 发明申请

US20080129531A1 MOBILE COMMUNICATION TERMINAL 有权
标题翻译：移动通信终端
公开(公告)号：US20080129531A1
公开(公告)日：2008-06-05
申请号：US11951215
申请日：2007-12-05
申请人： Atle Messel , Giovanni Ferranti , Timo Elomaa , Tapani Jokinen , Michael McKay
发明人： Atle Messel , Giovanni Ferranti , Timo Elomaa , Tapani Jokinen , Michael McKay
IPC分类号： G08B5/36
CPC分类号： H04M1/72563 , H04M1/0283 , H04M1/22 , H04M1/72522 , H04M1/72547 , H04M1/72561 , H04M19/04 , H04M19/048
摘要： A mobile communication terminal which includes a plurality of lights, apparatus for controlling the activation of the lights, apparatus for storing a number of sequences of activation of the lights, and apparatus for assigning one of the stored sequences of the activation of the lights to a particular event in the mobile communication terminal.
摘要翻译：一种包括多个灯的移动通信终端，用于控制灯的激活的装置，用于存储灯的激活序列的装置，以及用于将存储的灯的激活序列中的一个分配给一个移动通信终端中的特定事件。

7. 发明授权

US07251323B2 Bi-stable hinge and systems using same 有权
标题翻译：双稳态铰链和系统使用相同
公开(公告)号：US07251323B2
公开(公告)日：2007-07-31
申请号：US10826781
申请日：2004-04-16
申请人： Jim Holtorf , Michael McKay , Ann Sullivan , Alexandre Hennen , Tonia Giesecke
发明人： Jim Holtorf , Michael McKay , Ann Sullivan , Alexandre Hennen , Tonia Giesecke
IPC分类号： H04M1/00 , H01M1/00
CPC分类号： B32B15/08 , B32B3/04 , B32B7/02 , B32B27/06 , B32B2307/51 , B32B2457/00 , E05D1/02 , E05D1/04 , E05D11/0081 , E05D11/1078 , E05F1/1284 , E05Y2900/538 , E05Y2900/606 , H04M1/0216 , Y10T428/24479
摘要： The present invention provides an improved hinge design for a mobile station or other electronic device that simplifies hinge assembly and thus, provides a more cost-effective manufactured product. Moreover, the improved hinge assembly complements the aesthetic appeal of the foldable mobile station and provides less stress on various internal elements. In particular, the present invention includes a foldable mobile station or other foldable electronic device having a first functional component that is coupled to a second functional component via a bi-stable structure. The bi-stable structure functions to bias the first and second functional components in either an open or closed position.
摘要翻译：本发明提供了一种用于移动台或其他电子设备的改进的铰链设计，其简化了铰链组合，并因此提供了更具成本效益的制造产品。此外，改进的铰链组件补充了可折叠移动台的美学吸引力，并且在各种内部元件上提供较小的应力。具体地说，本发明包括一个可折叠移动台或其他具有第一功能元件的可折叠电子设备，该第一功能元件通过双稳态结构耦合到第二功能元件。双稳态结构用于将第一和第二功能部件偏置在打开或关闭位置。

8. 发明申请

US20070087686A1 Audio playback device and method of its operation 审中-公开
标题翻译：音频播放设备及其操作方法
公开(公告)号：US20070087686A1
公开(公告)日：2007-04-19
申请号：US11252978
申请日：2005-10-18
申请人： Jukka Holm , Juha Arrasvuori , Antti Eronen , Raymond Ko , Michael McKay
发明人： Jukka Holm , Juha Arrasvuori , Antti Eronen , Raymond Ko , Michael McKay
IPC分类号： H04H7/00
CPC分类号： H04S7/30 , H04H40/36 , H04R2205/024 , H04R2420/05 , H04R2420/07 , H04S3/00 , H04S7/301 , H04S7/308
摘要： The invention relates to mobile audio playback devices and methods of its operation for enhanced music and sound experience for mobile devices. To provide stereo and surround sound, the present invention provides an audio playback device with a receiving means for receiving multi-channel audio data, obtaining means connected to the receiving means, for obtaining first channel audio data from the multi-channel audio data for playback on the audio playback device, and playback means having at least one loudspeaker, and being connected to the obtaining means for outputting the first channel audio data. The other not selected audio channels or all received audio data may be transferred to other terminals for playback or may be discarded.
摘要翻译：本发明涉及移动音频播放设备及其操作方法，用于增强用于移动设备的音乐和声音体验。为了提供立体声和环绕声，本发明提供一种音频播放设备，其具有用于接收多声道音频数据的接收装置，连接到接收装置的获取装置，用于从多声道音频数据获得用于回放的第一声道音频数据在音频播放装置上，以及具有至少一个扬声器的播放装置，并连接到获取装置，用于输出第一声道音频数据。其他未选择的音频频道或所有接收到的音频数据可以被传送到其他终端进行播放或者可以被丢弃。

9. 发明申请

US20070026901A1 Mobile communications terminal and method therefor 有权
标题翻译：移动通信终端及其方法
公开(公告)号：US20070026901A1
公开(公告)日：2007-02-01
申请号：US11170714
申请日：2005-06-29
申请人： Michael McKay
发明人： Michael McKay
IPC分类号： H04B1/38
CPC分类号： G06F3/03 , H04M2250/12
摘要： A method for adapting viewing of information on a display of a mobile communication apparatus, and a such mobile communication apparatus is disclosed. The invention relates to determining a movement pattern of the mobile communication apparatus; selecting a viewing mode among a plurality of viewing modes in dependence on the determined movement pattern; and viewing items on the display in accordance to the viewing mode.
摘要翻译：公开了一种用于在移动通信设备的显示器上适配观看信息的方法，以及这种移动通信设备。本发明涉及确定移动通信设备的移动模式; 根据所确定的移动模式，在多个观看模式中选择观看模式; 以及根据观看模式在显示器上观看项目。

10. 发明申请

US20050204004A1 Method and apparatus for managing status in a messaging program 审中-公开
标题翻译：用于管理消息传递程序中的状态的方法和装置
公开(公告)号：US20050204004A1
公开(公告)日：2005-09-15
申请号：US10798922
申请日：2004-03-11
申请人： Michael McKay
发明人： Michael McKay
IPC分类号： G06F15/16
CPC分类号： G06Q10/107
摘要： A method, apparatus, and computer instructions for identifying a number of current conversations open for a user in the messaging application. The user status is set to busy if the number of current conversations for the user equals a threshold. The status may be changed back to the original state if the number of current conversations is less than the threshold.
摘要翻译：一种方法，装置和计算机指令，用于识别消息收发应用中为用户打开的当前对话的数量。如果用户的当前会话数等于阈值，则用户状态设置为忙。如果当前对话的数量小于阈值，状态可能会更改回原始状态。

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