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1. 发明申请

WO2009020407A3 IMPROVEMENTS IN OR RELATING TO MILKING MACHINE CLAWS 审中-公开
公开(公告)号：WO2009020407A3
公开(公告)日：2009-02-12
申请号：PCT/NZ2008/000205
申请日：2008-08-06
申请人： SEAFORTH PRODUCTS LIMITED , PHILLIPS, Dougald, Steward, Moreland , EASTERBROOK-SMITH, Carol, Louise, Eleanor
发明人： PHILLIPS, Dougald, Steward, Moreland , EASTERBROOK-SMITH, Carol, Louise, Eleanor
IPC分类号： A01J5/04 , A01J5/00 , A61M1/06 , A01K1/12 , A23C19/08
摘要： The present invention is directed at reducing the spread of infectious pathogens between animals during automated milking operations. A claw bowl assembly (200, 250), comprising a milking claw (204, 254) and claw bowl (202, 252), contains provisions (240, 241, 270) to reduce the possibility of residual collected milk from draining back into the teat cup line conduits (205, 255) leading from the milking claw (204, 254). The creation of fluid capture volumes (e.g. 240) to capture residual fluid when the claw bowl assembly is inverted, preferentially captures residual fluid rather than it readily flowing into the various teat cup line conduits (205, 255) of the milking claw (204, 254).

2. 发明申请

WO1997031847A1 A DISPENSING DEVICE FOR DETERGENT TABLET 审中-公开
标题翻译：用于洗涤片的分配装置
公开(公告)号：WO1997031847A1
公开(公告)日：1997-09-04
申请号：PCT/US1997002465
申请日：1997-02-19
申请人： THE PROCTER & GAMBLE COMPANY , SMITH, Carol , VAN ROMPUY, Tanya, Cecile, Cornee , KELSEY, Steven, Frederick
发明人： THE PROCTER & GAMBLE COMPANY
IPC分类号： B65G59/00
CPC分类号： A47L15/4445
摘要： The present invention provides a tablet dispensing device (10) adapted to retain a detergent tablet. The tablet dispensing device comprises a first leg (11) and a second leg (12) whereby the first leg is pivotally connected (15) to the second leg. The first and second legs are movable around the pivotal connection (15) enlarging or narrowing the angle between the first and second leg. At least one leg comprises a holding means retaining the tablet in between the first and second leg once the tablet is introduced in between the first and second leg.
摘要翻译：本发明提供一种适于保持洗涤剂片剂的片剂分配装置（10）。片剂分配装置包括第一腿部（11）和第二腿部（12），由此第一腿部枢转地连接（15）到第二腿部。所述第一腿部和所述第二腿部能够围绕所述枢转连接件（15）移动，所述枢转连接件使所述第一腿部和所述第二腿部之间的角度变宽或变窄。至少一条腿包括保持装置，一旦片剂被引入到第一和第二腿之间，就将药片保持在第一和第二腿之间。

3. 发明申请

WO2010108109A1 LIFESTAGE INSURANCE 审中-公开
标题翻译：生活保险
公开(公告)号：WO2010108109A1
公开(公告)日：2010-09-23
申请号：PCT/US2010/028002
申请日：2010-03-19
申请人： BANK OF AMERICA CORPORATION , BOROWSKI, William, F. , AHERON, William, J. , ANDERSON, Judith, M. , ARIFF, Kazi, M. , BIERER, Jeffrey, H. , HAYES, Steven, K. , JOHNSON, Shane, A. , JUDD, Jeffrey, P. , KELLEY, Thomas, D. , KIRKMAN, James, P. , LI, Yicong , O'CONNOR, Sean, M. , SMITH, Carol, A. , THOMAS, Susan, S. , TIPPER, Russell, W. , WOLFSON, Neal, G.
发明人： BOROWSKI, William, F. , AHERON, William, J. , ANDERSON, Judith, M. , ARIFF, Kazi, M. , BIERER, Jeffrey, H. , HAYES, Steven, K. , JOHNSON, Shane, A. , JUDD, Jeffrey, P. , KELLEY, Thomas, D. , KIRKMAN, James, P. , LI, Yicong , O'CONNOR, Sean, M. , SMITH, Carol, A. , THOMAS, Susan, S. , TIPPER, Russell, W. , WOLFSON, Neal, G.
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q20/102
摘要： A method for providing a lifestage insurance product for a customer includes receiving an insurance allocation for each of a plurality of lifestages. The plurality of lifestages includes a first lifestage and a second lifestage. Insurance coverage of a first lifestage is provided for the customer in accordance with the insurance allocation of the first lifestage. The insurance coverage from the insurance allocation for the first lifestage is shifted to the insurance allocation for the second lifestage upon determining a shift in lifestages has occurred.
摘要翻译：为客户提供生活保险产品的方法包括为多个生活中的每一个接收保险分配。多个生活包括第一生活和第二生活。根据第一次生活的保险分配，为客户提供第一次生活保险。第一次生活保险分配的保险范围，在确定生活转移发生时，转为第二次生活保险分配。

4. 发明申请

WO1988002161A1 METHOD AND APPARATUS FOR INJECTION OF PHARMACEUTICALS 审中-公开
标题翻译：用于注射药物的方法和装置
公开(公告)号：WO1988002161A1
公开(公告)日：1988-03-24
申请号：PCT/US1986001848
申请日：1986-09-08
申请人： SMITH, Carol , PEZZULLO, Denise
IPC分类号： G09F03/00
CPC分类号： A61J1/2096 , A61J1/201 , A61J2205/00 , A61J2205/20 , Y10S604/905
摘要： A penetrator (14) for fully draining the liquid (12) in multi-dose vials (10) when drawing liquid into a syringe (20). The apparatus also provides a cuff (24) and a sleeve (30) that are encoded for preventing misidentification of the contents of a syringe by identifying the syringe with the vial from which the contents of the syringe were drawn. The cuff (24) is mounted on the penetrator (14) and the sleeve (30) is mounted on the port end of the syringe (20), so that a mismatch between the cuff (24) and sleeve (30) is readily detected when the port end of the syringe (20) is attached to the penetrator (14) to withdraw liquid from the vial.

5. 发明申请

WO2010114733A1 SYSTEMS AND METHODS FOR BUDGET GUARDRAILS 审中-公开
标题翻译：预算管理系统和方法
公开(公告)号：WO2010114733A1
公开(公告)日：2010-10-07
申请号：PCT/US2010/028198
申请日：2010-03-22
申请人： BANK OF AMERICA CORPORATION , ARIFF, Kazi, M. , SMITH, Carol, A. , JOHNSON, Shane, A. , TIPPER, Russell, W. , LI, Yicong , O'CONNOR, Sean, M. , KELLEY, Thomas, D. , THOMAS, Susan, S. , BOROWSKI, William, F. , AHERON, William, J. , ANDERSON, Judith, M. , HAYES, Steven, K. , WOLFSON, Neal, G. , JUDD, Jeffrey, P. , KIRKMAN, James, P. , BIERER, Jeffrey, H.
发明人： ARIFF, Kazi, M. , SMITH, Carol, A. , JOHNSON, Shane, A. , TIPPER, Russell, W. , LI, Yicong , O'CONNOR, Sean, M. , KELLEY, Thomas, D. , THOMAS, Susan, S. , BOROWSKI, William, F. , AHERON, William, J. , ANDERSON, Judith, M. , HAYES, Steven, K. , WOLFSON, Neal, G. , JUDD, Jeffrey, P. , KIRKMAN, James, P. , BIERER, Jeffrey, H.
IPC分类号： G06F17/50
CPC分类号： G06Q40/12 , G06Q40/00
摘要： Systems, methods, and computer program products are provided for user-configured spending guardrails in a budget tracking system. The use of spending guardrails is instrumental in insuring that the user of the budget tracking system adheres to their assigned budget. By providing for dynamically configurable spending thresholds the user may define, change, suspend or the like spending guardrails as dictated by current circumstances. The configurable nature of the guardrails insures that guardrails are tailored to the needs of the individual user.
摘要翻译：在预算跟踪系统中为用户配置的消费护栏提供系统，方法和计算机程序产品。使用支出护栏有助于确保预算跟踪系统的用户遵守其分配的预算。通过提供可动态配置的支出阈值，用户可以根据当前情况来定义，更改，暂停等消费护栏。护栏的可配置性确保护栏符合个人用户的需求。

6. 发明申请

WO2010114677A1 PERSONAL FINANCIAL NETWORK 审中-公开
标题翻译：个人财务网络
公开(公告)号：WO2010114677A1
公开(公告)日：2010-10-07
申请号：PCT/US2010/026459
申请日：2010-03-08
申请人： BANK OF AMERICA , THOMAS, Susan, S. , BOROWSKI, William, F. , ARIFF, Kazi, M. , SMITH, Carol, A. , ANDERSON, Judith, M. , HAYES, Steven, K. , KELLEY, Thomas, D. , WOLFSON, Neal, G. , O'CONNOR, Sean, M. , TIPPER, Russell, W. , JUDD, Jeffrey, P. , AHERON, William, J. , YICONG, Li , JOHNSON, Shane, A. , KIRKMAN, James, P. , BIERER, Jeffrey, H.
发明人： THOMAS, Susan, S. , BOROWSKI, William, F. , ARIFF, Kazi, M. , SMITH, Carol, A. , ANDERSON, Judith, M. , HAYES, Steven, K. , KELLEY, Thomas, D. , WOLFSON, Neal, G. , O'CONNOR, Sean, M. , TIPPER, Russell, W. , JUDD, Jeffrey, P. , AHERON, William, J. , YICONG, Li , JOHNSON, Shane, A. , KIRKMAN, James, P. , BIERER, Jeffrey, H.
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00
摘要： Apparatus and methods for providing a personal financial network service are provided. The method may use an electronic information processing platform. The method may include storing information relating to a first participant account. The method may also include storing information relating to a second participant account. The systems and methods of the invention may further include storing information relating to a group of accounts containing the first participant and the second participant account, wherein first said account and second said account are stored independently of one another.
摘要翻译：提供了用于提供个人金融网络服务的装置和方法。该方法可以使用电子信息处理平台。该方法可以包括存储与第一参与者帐户有关的信息。该方法还可以包括存储与第二参与者帐户有关的信息。本发明的系统和方法还可以包括存储与包含第一参与者和第二参与者帐户的一组帐户有关的信息，其中第一所述帐户和第二所述帐户彼此独立地存储。

7. 发明申请

WO2010107599A1 FLEXIBLE DESIGN PENSION ACCOUNT 审中-公开
标题翻译：灵活设计退休帐户
公开(公告)号：WO2010107599A1
公开(公告)日：2010-09-23
申请号：PCT/US2010/026458
申请日：2010-03-08
申请人： BANK OF AMERICA , KIRKMAN, James P. , BOROWSKI, William F. , ARIFF, Kazi M. , SMITH, Carol A. , ANDERSON, Judith M. , HAYES, Steven K. , KELLEY, Thomas D. , WOLFSON, Neal G. , THOMAS, Susan S. , TIPPER, Russell W. , JUDD, Jeffrey P. , AHERON, William J. , YICONG, Li , JOHNSON, Shane A. , O'CONNOR, Sean M. , BIERER, Jeffrey H.
发明人： KIRKMAN, James P. , BOROWSKI, William F. , ARIFF, Kazi M. , SMITH, Carol A. , ANDERSON, Judith M. , HAYES, Steven K. , KELLEY, Thomas D. , WOLFSON, Neal G. , THOMAS, Susan S. , TIPPER, Russell W. , JUDD, Jeffrey P. , AHERON, William J. , YICONG, Li , JOHNSON, Shane A. , O'CONNOR, Sean M. , BIERER, Jeffrey H.
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/06
摘要： Apparatus and methods for configuring a flexible pension account are provided. A flexible pension account may be offered as a product of a financial institution. Terms governing contribution of funds to the account, distribution of funds from the account, modifications to the account and management of the account may be chosen to create an account customized toward individual customer needs. The flexibility within the account design allows for unequal contributions from a variety of contributors as well as unequal distributions to a variety of beneficiaries. The flexible design may be combined, in certain embodiments, with tax- deferred growth and a minimum income guarantee. Account management and modification may be in the hands of an account administrator. [055] Apparatus and methods for configuring a flexible pension account are provided. A flexible pension account may be offered as a product of a financial institution. Terms governing contribution of funds to the account, distribution of funds from the account, modifications to the account and management of the account may be chosen to create an account customized toward individual customer needs. The flexibility within the account design allows for unequal contributions from a variety of contributors as well as unequal distributions to a variety of beneficiaries. The flexible design may be combined, in certain embodiments, with tax- deferred growth and a minimum income guarantee. Account management and modification may be in the hands of an account administrator.
摘要翻译：提供了用于配置灵活养老金账户的设备和方法。灵活的养老金账户可以作为金融机构的产品提供。可以选择用于管理账户资金分配，帐户资金分配，帐户修改和帐户管理的条款，以创建根据个人客户需求定制的账户。帐户设计中的灵活性允许来自各种贡献者的不平等贡献以及向各种受益者分配不平等。灵活的设计可以在某些实施例中与减税增长和最低收入保证相结合。帐户管理和修改可能由帐户管理员掌握。提供了用于配置灵活的养老金账户的设备和方法。灵活的养老金账户可以作为金融机构的产品提供。可以选择用于管理账户资金分配，帐户资金分配，帐户修改和帐户管理的条款，以创建根据个人客户需求定制的账户。帐户设计中的灵活性允许来自各种贡献者的不平等贡献以及向各种受益者分配不平等。灵活的设计可以在某些实施例中与减税增长和最低收入保证相结合。帐户管理和修改可能由帐户管理员掌握。

8. 发明申请

WO2010107588A1 MASTER FINANCIAL ACCOUNT 审中-公开
标题翻译：主金融账户
公开(公告)号：WO2010107588A1
公开(公告)日：2010-09-23
申请号：PCT/US2010/026168
申请日：2010-03-04
申请人： BANK OF AMERICA , O'CONNOR, Sean, M. , BOROWSKI, William, F. , ARIFF, Kazi, M. , SMITH, Carol, A. , ANDERSON, Judith, M. , HAYES, Steven, K. , KELLEY, Thomas, D. , WOLFSON, Neal, G. , THOMAS, Susan, S. , TIPPER, Russell, W. , JUDD, Jeffrey, P. , AHERON, William, J. , YICONG, Li , JOHNSON, Shane, A. , KIRKMAN, James, P. , BLERER, Jeffrey, H.
发明人： O'CONNOR, Sean, M. , BOROWSKI, William, F. , ARIFF, Kazi, M. , SMITH, Carol, A. , ANDERSON, Judith, M. , HAYES, Steven, K. , KELLEY, Thomas, D. , WOLFSON, Neal, G. , THOMAS, Susan, S. , TIPPER, Russell, W. , JUDD, Jeffrey, P. , AHERON, William, J. , YICONG, Li , JOHNSON, Shane, A. , KIRKMAN, James, P. , BLERER, Jeffrey, H.
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00
摘要： Apparatus and methods for configuring a master financial account providing comprehensive access to financial services are provided. A master account may be configured for a customer of a financial institution. The master account holder may build a customized array of financial services which may be accessed and managed through the master account. Benefits associated with use of a sub-account may accrue collectively in the master account.
摘要翻译：提供了配置提供金融服务综合访问权限的主金融账户的设备和方法。可以为金融机构的客户配置主账户。主账户持有人可以构建一系列可以通过主账户访问和管理的金融服务。与使用子帐户相关的利益可能会在主账户中集体产生。

9. 发明申请

WO1984000561A1 PREPARING HIGH FRUCTOSE SYRUPS FROM CITRUS RESIDUES 审中-公开
标题翻译：从CITRUS RESIDUES制备高果糖果
公开(公告)号：WO1984000561A1
公开(公告)日：1984-02-16
申请号：PCT/US1983001192
申请日：1983-08-03
申请人： IGI BIOTECHNOLOGY, INC. , MILCH, Robert, Austin , GUERRY-KOPECKO, Patricia , KOEBLE-SMITH, Carol , SYBERT, Edward, M.
发明人： IGI BIOTECHNOLOGY, INC.
IPC分类号： C13K01/00
CPC分类号： C13K11/00 , A23L2/06 , C12N11/08 , C12P7/12 , C12P19/14
摘要： A sugar solution from citrus press liquor and a resultant solution that is substantially free from antimicrobial materials. The sugar content of citrus press liquor is enhanced by separating citrus solids from the press liquor; extracting fructose, glucose, and sucrose from the solids; and combining the aqueous extract with the solids-free press liquor to increase the sugar content thereof. By inversion of the sucrose present in the sugar-enhanced press liquor, a high fructose syrup can be readily obtained, which is indistinguishable from high fructose corn syrup. When separation is effected by centrifugation, a biocidally active collodial phase is formed, from which phase citrus terpenes and limonene can be extracted, resulting in a press liquor suitable for fermentation. The solid residue remaining after extraction can also be recycled with the remaining press cake.
摘要翻译：来自柑橘压榨液的糖溶液和基本上不含抗菌材料的所得溶液。通过从榨汁中分离柑橘固体，增强了柑橘压榨液中的糖含量; 从固体中提取果糖，葡萄糖和蔗糖; 并将水提取物与无固体压榨液混合以增加其含糖量。通过蔗糖存在于增强压榨液中的蔗糖倒置，可以容易地获得高果糖糖浆，这与高果糖玉米糖浆是不可区分的。当通过离心进行分离时，形成生物活性的胶体相，从其中可以提取相柑橘萜烯和柠檬烯，得到适于发酵的压榨液。提取后残留的固体残渣也可以用剩余的压饼再循环。

10. 发明申请

WO2010114732A1 SYSTEMS AND METHODS FOR DETERMINING A FINANCIAL HEALTH INDICATOR 审中-公开
标题翻译：用于确定财务健康指标的系统和方法
公开(公告)号：WO2010114732A1
公开(公告)日：2010-10-07
申请号：PCT/US2010/028197
申请日：2010-03-22
申请人： BANK OF AMERICA CORPORATION , ARIFF, Kazi, M. , SMITH, Carol, A. , JOHNSON, Shane, A. , TIPPER, Russell, W. , LI, Yicong , O'CONNOR, Sean, M. , KELLEY, Thomas, D. , THOMAS, Susan, S. , BOROWSKI, William, F. , AHERON, William, J. , ANDERSON, Judith, M. , HAYES, Steven, K. , WOLFSON, Neal, G. , JUDD, Jeffrey, P. , KIRKMAN, James, P. , BIERER, Jeffrey, H.
发明人： ARIFF, Kazi, M. , SMITH, Carol, A. , JOHNSON, Shane, A. , TIPPER, Russell, W. , LI, Yicong , O'CONNOR, Sean, M. , KELLEY, Thomas, D. , THOMAS, Susan, S. , BOROWSKI, William, F. , AHERON, William, J. , ANDERSON, Judith, M. , HAYES, Steven, K. , WOLFSON, Neal, G. , JUDD, Jeffrey, P. , KIRKMAN, James, P. , BIERER, Jeffrey, H.
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/025
摘要： Systems, methods, and computer program products are provided for a financial health indicator. The financial health indicator provides a dynamic indication of a user's financial health in terms of their current credit worthiness and their current ability to save in relation to a budget. In this regard, the financial health indicator is based on a user's credit report score, such as one or more FICO type credit scores and the user's savings as indicated by a budget tracking system. In embodiments of the invention in which the financial health indicator is implemented in conjunction with a budget tracking system, the financial health indicator provides necessary feedback to the user that serves to inform the user as to how they are performing in terms of staying on track to their individual budget allocations. Additionally, in certain embodiments, the provider of the budget tracking system may provide for awards based on achieving a predefined financial health indicator level and/or score.
摘要翻译：为财务健康指标提供系统，方法和计算机程序产品。财务健康指标根据其目前的信用状况以及目前与预算相关的节省能力，动态地指示用户的财务状况。在这方面，财务健康指标基于用户的信用报告分数，例如一个或多个FICO类型的信用评分，以及由预算跟踪系统指示的用户的储蓄。在其中财务健康指标与预算跟踪系统一起实施的本发明的实施例中，财务健康指示器向用户提供必要的反馈，用于向使用者通知关于如何在正在进行中他们的个人预算拨款。另外，在某些实施例中，预算跟踪系统的提供者可以基于实现预定义的财务健康指标水平和/或得分来提供奖励。

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