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1. 发明申请

US20090018873A1 Deferred Premium Annuities 审中-公开
标题翻译：递延高级年金
公开(公告)号：US20090018873A1
公开(公告)日：2009-01-15
申请号：US12098082
申请日：2008-04-04
申请人： Samuel Ramos , Scott Silverman , John Fowler , Jonathan Hecht , Alexander A. Dubitsky , Amar Kuchinad , Rebecca Fein
发明人： Samuel Ramos , Scott Silverman , John Fowler , Jonathan Hecht , Alexander A. Dubitsky , Amar Kuchinad , Rebecca Fein
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/04 , G06Q40/08
摘要： Deferred premium annuities and accompanying methods are described herein. In some instances, a deferred premium annuity allows a purchaser (e.g., an individual) to pledge assets rather than pay cash up front to purchase an annuity. In these instances, an annuity provider then issues an annuity to the purchaser. In some instances, the provider then may then receive ownership of or an interest in the pledged assets upon death of the purchaser unless the purchaser pays for the annuity before the death of the purchaser.
摘要翻译：本文描述递延的保费年金和附带的方法。在某些情况下，延期保险年金允许买方（如个人）质押资产，而不是向前支付现金购买年金。在这些情况下，年金提供商然后向购买者发放年金。在某些情况下，提供商然后可能会在买方去世时获得质押资产的所有权或权益，除非买方在买方去世前支付年金。

2. 发明申请

US20110202967A1 Apparatus and Method to Broadcast Layered Audio and Video Over Live Streaming Activities 审中-公开
标题翻译：通过现场直播活动广播分层音频和视频的装置和方法
公开(公告)号：US20110202967A1
公开(公告)日：2011-08-18
申请号：US13027064
申请日：2011-02-14
申请人： Jonathan Hecht , Ivan Meyers
发明人： Jonathan Hecht , Ivan Meyers
IPC分类号： H04N7/173
CPC分类号： H04N21/854 , G11B27/034 , H04N7/17318 , H04N21/2187 , H04N21/231 , H04N21/234309 , H04N21/234327 , H04N21/6175
摘要： Systems and methods for creating customized, personalized broadcasting content, and for broadcasting the created content are disclosed. A computer automated system comprised of a memory coupled to a processing unit includes means to receive audio and video data of an event. The system further includes a server to encode and transcode the received data, and to standardize the received data to internal presets. Timecode is embedded in the received data if it is not already present and a low resolution proxy of the standardized data is streamed to a commentator's computer through which commentary is added. The added commentary is transmitted back from the commentator computer and combined with the commentator audio stream with the audio and video data of the event. The resultant stream is buffered and then broadcast as well as archived.
摘要翻译：公开了用于创建定制的，个性化的广播内容以及广播所创建的内容的系统和方法。包括耦合到处理单元的存储器的计算机自动化系统包括用于接收事件的音频和视频数据的装置。该系统还包括对接收的数据进行编码和转码的服务器，并将接收到的数据标准化为内部预设。时间码被嵌入在接收到的数据中，如果它不存在，并且将标准化数据的低分辨率代理流传输到添加了评注的评论者的计算机。添加的评论从评论员计算机传回，并与评论员音频流结合事件的音频和视频数据。结果流被缓冲，然后广播以及归档。

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