128results about How to "Saving expense" patented technology

In some embodiments, a comprehensive computer system and method (See FIGS. 1, 1a, 2) for automating and facilitating the performing and processing of tasks, information transfer, and information storage associated with the home sale (See FIG. 3a), mortgage origination (See FIG. 3b), and settlement process (See FIG. 3c), and the home mortgage refinancing origination and settlement process (See FIGS. 1b, 1c, 2a) (or performing other business processes), over a distributed computing network are disclosed. One aspect of the invention is a greatly simplified process for a home buyer to search for a home and simultaneously receive accurate and competitive bids for mortgages and services from multiple lenders and service providers. The process includes an automated underwriting process which generates complete, accurate information on the costs of buying and owning a home at very beginning of the home buying process. Another aspect of the invention is greatly automating the entire sale, loan and settlement process.

In some embodiments, a comprehensive computer system and method (See FIGS. 1, 1a, 2) for automating and facilitating the performing and processing of tasks, information transfer, and information storage associated with the home sale (See FIG. 3a), mortgage origination (See FIG. 3b), and settlement process (See FIG. 3c), and the home mortgage refinancing origination and settlement process (See FIGS. 1b, 1c, 2a) (or performing other business processes), over a distributed computing network are disclosed.

Tools and methods for completing a wellbore that comprise an isolation packer with a particulate filter and inflatable element. The isolation packer is adapted to direct a gravel laden slurry to the particulate filter, where the filter removes a substantial amount of the particulate matter from the gravel laden slurry thereby producing an inflating fluid that is substantially free of particulate matter. The inflating fluid then inflates the inflatable element thereby creating a seal in the wellbore.

An overbased calcium sulfonate grease composition comprising a reduced amount of overbased calcium sulfonate, added calcium carbonate, base oil, one or more converting agents, and one or more complexing acids if a complex grease is desired. The calcium sulfonate grease composition improves thickener yield and expected high temperature utility as demonstrated by dropping point. The calcium carbonate may be used to react with complexing acids when making a complex grease, such that the addition of calcium oxide or calcium hydroxide is not required. A method of making the composition comprising the steps of mixing the overbased calcium sulfonate and base oil, adding the calcium carbonate, adding one or more converting agents, and adding one or more complexing acids. All or a portion of one or more of the complexing acids may be added with or prior to the one or more converting agents.

A hydrocarbon feedstock upgrading method is provided. The method includes supplying the hydrocarbon feedstock, water and a pre-heated hydrogen donating composition to a hydrothermal reactor where the mixed stream is maintained at a temperature and pressure greater than the critical temperatures and pressure of water in the absence of catalyst for a residence time sufficient to convert the mixed stream into a modified stream. The hydrogen donating composition is pre-heated and maintained at a temperature of greater than about 50° C. for a period of at least about 10 minutes. The modified stream includes upgraded hydrocarbons relative to the hydrocarbon feedstock. The modified stream is then separated into a gas stream and a liquid stream and the liquid stream is separated into a water stream and an upgraded hydrocarbon product stream.

A degradable downhole isolation tool for use in hydrocarbon well completion. The tool sets and isolates zones for fracking, and then degrades without leaving residual parts and without milling or introducing a new degrading fluid. The plug's mandrel and other parts are a solid polymer which hydrolyzes in aqueous downhole fluid to produce an acid which degrades degradable metal slips and other metal parts. The plug's seal may be degradable metal pedals or split rings. The plug is delivered to the well site as an interchangeable parts kit for adaption to the well's requirements.

A device for retracting gingival tissue away from a tooth or plurality of teeth prepared to receive a dental prosthesis comprising a retraction material associated with a provisional restoration to be packed into a sulcus associated with the prepared tooth. The device is preferably compressible, deformably rigid, extensile and non-elastic and will not stick to the gingiva or tooth structure thereby allowing for atraumatic removal leaving a dry open sulcus. A method of use is also disclosed.

A system and method for systematic review of a set of documents is disclosed that permits creation of formal review schemas and associated review forms, and the automatic collection and tabulation of review results corresponding to reviewer responses. Using the system, a review study administrator creates a review schema as a series of screening and data extraction levels, each level having an associated review form. Input from reviewers are collected in a relational database as each reviewer completes the review form. Thereafter, statistical tools or other analytic software application may be applied to further process the extracted results. In some embodiments, provision is made for flagging documents with conflicting review conclusions for reconciliation. The systematic review system is particularly useful for reducing the costs associated with document publication, dissemination, and collection, and the errors and time delays inherent to manual results tabulation of review systems known in the art.

A biomedical electrode for transmitting and/or receiving electrical signals to/from a patient is disclosed. The electrode includes a metallized fabric, wherein metallization of the fabric is connected at least on a top side and a bottom side of the fabric so as to uniformly transmit or receive the electrical signals. A conductive gel adhesive in contact with the metallized fabric. The electrode can be fabricated using a continuous web process, thereby reducing the cost of manufacturing the electrode.

Systems, apparatuses, and methods are described for performing diagnostic testing in a RAID environment in response to a failed memory access request to determine if a hard drive within the RAID failed.

Disclosed is a method and system of controlling data information between two portable handheld apparatuses where the portable apparatuses include a first apparatus for performing a first operation and a second operation, and a second apparatus including a drug administration device. Each apparatus is capable one or more of the following: storing, transmitting, receiving, processing and displaying data information, and where the two apparatuses have a number of interrelated positions during normal use, where the method includes: automatically storing at least first data information relevant to said first operation in said first apparatus, automatically storing at least second data information relevant to said second operation in said second apparatus, and automatically transmitting, via short-range communications means, data information relevant to at least one of said first and second operations between said first and second apparatuses when said apparatuses are mutually positioned in one of said number of interrelated positions.

A Boarding Pass (60) for use in boarding passengers in aircraft or other forms of transportation and/or while the passengers are aboard and/or after disembarkation has main and passenger coupon parts (63,64) detachable along a detachment line (65). The front face carries printed data and spaces for printing travel data. Separate magnetized strips (62) and/or storage chips (59) are merged in thick portions (61,58) on the two coupon parts (63,64) on either side of the detachment line (65). The strips and/or chips store passenger data and travel data readable by passing the Boarding Pass (60) or a coupon part (63,64) through a reader/writer. The Boarding Pass and associated system simplify and speed up passenger boarding and can be used for electronic clearance in case of change of airline, security checks, activities during transit, point-of-sales transactions, counting and checking the number of boarding passengers, automatic production of arrival or exit cards, luggage identification, collection and tracing/retrieval.

A biomedical electrode for transmitting and/or receiving electrical signals to/from a patient is disclosed. The electrode includes a metallized fabric, wherein metallization of the fabric is connected at least on a top side and a bottom side of the fabric so as to uniformly transmit or receive the electrical signals. A conductive gel adhesive in contact with the metallized fabric. The electrode can be fabricated using a continuous web process, thereby reducing the cost of manufacturing the electrode.

The invention relates to the detection of vitamin D metabolites. In a particular aspect, the invention relates to methods for detecting derivatized vitamin D metabolites by mass spectrometry.

Reconfigurable payload systems (RPS) and methods of configuring and using the same with operational load envelopes are disclosed that may be employed to enable external aircraft payloads to be rapidly interchanged or swapped out together with associated internal equipment within a given aircraft so as to modify or change payload capability of the aircraft, e.g., to meet a particular mission and/or to enable use of future payload types as they are developed. The RPS and associated methods may be implemented to allow multiple different payload systems to be swapped in and out on a given aircraft as required based on needs for a given mission.

This document provides devices and methods for the treatment of heart conditions such as valvular stenosis. For example, this document provides devices and methods by which a guide catheter can align itself with a blood flow stream to thereby help direct a guidewire or other elongate device transmitted from the guide catheter through an orifice of a heart valve.

A system and method providing a police officer the ability to capture and review traffic violations observed using one or more strategically located cameras. The system incorporates a database of state and local motor vehicle laws and when the officer determines a violation has occurred the system automatically fills in the relevant statute or code for the violation, the correct legal language describing the violation, and the fine for that violation. Driver's license and vehicle information is also automatically filled in. The officer can override the issuance of a citation and indicate that only a warning or Reminder be issued instead. The citation, warning or Reminder notice is saved in the system for further processing and subsequent mailing. The system now transmits the citation, warning or Reminder notice data to servers at the service provider for mailing, the municipal department which collects the fines, as well as the police department's traffic division, for inclusion in their respective databases. This reduces paperwork, and data entry processing, further saving time and expense. Whether a citation, warning or Reminder notice is issued, the system and method of the invention significantly expand the area of coverage of a police officer in monitoring traffic and detecting violations, and allows the officer to issue more citations, warnings or Reminders within a given time period than is now possible. This makes the officer more efficient and potentially increases revenue because of the issuance of more citations. More importantly, it makes drivers more conscious of their actions and promotes vehicular safety.

A tool for inserting and fastening a replacement injector sleeve in the cylinder head of a diesel engine. The tool is part of an injector sleeve tool kit which also includes an injector sleeve removal tool. The installation tool includes an expandable mandril which is inserted into the injector sleeve and expands a portion of the sleeve causing a press fit of the sleeve within the cylinder head. The sleeve removal tool includes a tap having a longitudinal body and a threaded cutting head at one end and a bolt having a head at the other end. An extraction nut is threaded onto the threaded shaft of the drive member followed by a bearing surface member such as a spacer. A hollow cylinder or support sleeve having an internal diameter greater than the injector sleeve to be removed and an external diameter less than the diameter of the sleeve bore includes a shoulder member.

A debugging apparatus includes: a processor core operated by a program stored in a program memory to read a data stored in a data memory or write a data; a debugger controller for performing a debugging on the processor core upon receipt of a command from a host computer and outputting a data break point address; and a memory break controller for observing an address of a data memory used by the processor core, recognizing an address as a break point address to output a break signal to the debugger controller and the processor core to suspend the operation of the processor core, when the address is sensed to be identical, and transmitting a corresponding address and data to the host computer through the debugger controller. Since an address and a data of a specific data memory are monitored to recognize a data flow and change of the specific address, an error that an erroneous calculation is inputted a during processing or a data memory is erroneously assigned is quickly sensed. Thus, a time and an expense for a debugging operation can be much saved. In addition, by adding a data debugging method to the conventional program debugging method, a program development environment is set similar to an environment substantially operated by the processor. Thus, a time and an expense for developing a program can be also saved.

A payment receipt system is provided. The payment receipt system comprises: a receipt management database for managing at least information on the payers who have to pay and the payment amount that the respective payers have to pay for a certain period; and a payee server including an information extracting part for extracting information including the information on the payers and the payment amount from the receipt management database, a code converting part for converting the extracted information into a two-dimensional (2D) code, a bill forming part for making out a bill for payment with the converted 2D code attached thereto, a bill transmitting part for transmitting the bill for payment to a receiver of the payer, and a controller receiving information on the payers who have completed a payment from a financial institution server.