Patents by Inventor Michael E. Crouse

Michael E. Crouse has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Publication number: 20080109348
    Abstract: An over-limit analysis system is presented for approving an over-limit amount in real-time and in response to a credit request from a borrower, which includes an over-limit amount. An over-limit cushion to which the borrower is entitled is determined by comparing financial and other information collected from the borrower to analogous account data relating to the credit accounts of other borrowers according to an optimal strategy. As a result, the borrower may be approved for an over-limit amount as a function of an over-limit cushion associated with accounts that have similar account-related data. So that the borrower's credit account-related information may be compared with the account data of other borrowers, a segmentation model is used to organize the account data into segments according to one or more optimization constraints. Each segment is associated with an over-limit cushion so that the over-limit cushion for each segment is optimized according to one or more optimization constraints.
    Type: Application
    Filed: November 2, 2006
    Publication date: May 8, 2008
    Applicant: HSBC FINANCE CORPORATION
    Inventors: Puneet Saxena, Abhijit Bhattacheryya, James F. Connaughton, Michael A. Vires, Michael E. Crouse
  • Patent number: 6199382
    Abstract: The present invention is a dynamic condensate system which can replace the hotwell designs currently available. The dynamic condensate system enhances the performance of a compact closed Rankine-cycle or similar engine using a single small-volume apparatus which actively separates noncondensables from the subcooled condensate; lowers condenser pressure; boosts feed-pump inlet pressure; allows the hotwell volume to remain at ambient pressure; and eliminates lateral acceleration effects on the engine. The dynamic condensate system includes a liquid ring pumping element and a side-branch hotwell. There is an inlet to the liquid ring pumping element from a condenser of the engine for receiving liquid and vapor flow. An outlet from the liquid ring pumping element provides a flow path for liquid from the dynamic condensate system to a feed pump of the engine.
    Type: Grant
    Filed: November 23, 1999
    Date of Patent: March 13, 2001
    Assignee: Penn State Research Foundation
    Inventors: Jeremy L. Walter, Robert W. Royer, Michael E. Crouse