Patents Represented by Attorney, Agent or Law Firm Raymond A. Joao
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Patent number: 6347302Abstract: An apparatus and method for processing lease insurance information which includes a memory device for storing a first data set, wherein the first data set contains information for generating at least one of an insurance premium and an insurance policy for providing lease insurance for excess wear and tear for a leased entity or post-warranty repairs for a leased entity, respectively, a processor for processing the first data set in conjunction with a second data set and a third data set, wherein the second data set contains information regarding at least one of the entity to be leased and a term of the lease, and wherein the third data set contains information regarding at least one of the leasing individual, the leasing entity, or other pertinent information, and further wherein the processor generates a fourth data set containing at least one of an insurance premium and an insurance policy for providing insurance for excess wear and tear or post-warranty repairs, respectively, for the leased entity, and a dType: GrantFiled: July 31, 1997Date of Patent: February 12, 2002Inventor: Raymond Anthony Joao
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Patent number: 6283761Abstract: An improved apparatus and method for providing healthcare information, the apparatus comprising a processor for processing at least one of symptom information and condition information corresponding to a patient, in conjunction with at least one of healthcare information, healthcare theories, healthcare principles, and healthcare research, wherein the processor generates a diagnostic report, and further wherein the diagnostic report contains information regarding at least one of a diagnosis and a possible diagnosis for the at least one of symptom information and condition information.Type: GrantFiled: December 31, 1999Date of Patent: September 4, 2001Inventor: Raymond Anthony Joao
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Patent number: 6047270Abstract: An apparatus and method for providing account security which includes a receiver for receiving one of a limitation and a restriction on usage of an electronic money account, wherein the one of a limitation and a restriction are received from an account holder, a memory device for storing the one of a limitation and a restriction, and a processor for processing a transaction on the electronic money account in conjunction with the one of a limitation and a restriction. The processor generates a first signal which contains information for one of approving and disapproving the transaction.Type: GrantFiled: August 25, 1997Date of Patent: April 4, 2000Inventors: Raymond Anthony Joao, Robert Richard Bock
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Patent number: 5961332Abstract: An improvement to an apparatus for processing psychological data, said apparatus comprising means for processing data indicative of at least one of an individual's psychological condition, psychological states, concomitant physiological states, and states of dysfunction in conjunction with at least one of psychological, concomitant physiological, and psycho pathological, at least one of principles, theories and research data in order to generate data indicative of at least one of a diagnosis and a treatment plan for the individual, the improvement comprising a remote user interactive means for providing at least one of a remote accessing and utilization of said apparatus, said remote user interactive means further comprising a user input means for inputting data pertaining to an individual and a user display means for providing at least one of an indication of apparatus operation and data relevant to an individual, wherein said remote user interactive means facilitates at least one of data entry and control oType: GrantFiled: February 13, 1996Date of Patent: October 5, 1999Inventor: Raymond Anthony Joao
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Patent number: 5917405Abstract: A control apparatus for a vehicle, which comprises a first control device. The first control device one of generates and transmits a first signal for one of activating, deactivating, enabling, and disabling, one of a vehicle component, a vehicle device, a vehicle system, and a vehicle subsystem. The first control device is located at the vehicle. The first control device is responsive to a second signal, wherein the second signal is one of generated by and transmitted from a second control device. The second control device is located at a location which is remote from the vehicle. The second control device is responsive to a third signal, wherein the third signal is one of generated by and transmitted from a third control device. The third control device is located at a location which is remote from the vehicle and remote from the second control device.Type: GrantFiled: July 18, 1996Date of Patent: June 29, 1999Inventor: Raymond Anthony Joao
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Patent number: 5903830Abstract: A transaction security apparatus which comprises a receiver for receiving one of a limitation and a restriction on an account usage, wherein the one of a limitation and a restriction on an account usage are received in real-time from an individual account holder, a memory for storing the one of a limitation and a restriction on an account usage, and a central processing device for processing an authorization request for a transaction on an account in conjunction with the one of a limitation and a restriction on an account usage. The central processing device generates a first signal, wherein the first signal contains information for one of authorizing and disallowing the transaction.Type: GrantFiled: June 12, 1997Date of Patent: May 11, 1999Inventors: Raymond Anthony Joao, Robert Richard Bock
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Patent number: 5878337Abstract: A transaction security apparatus which comprises a transaction device, wherein the transaction device one of generates and transmits a first signal in response to a transaction, and a communication device associated with an individual account. The communication device receives the first signal. The communication device generates a second signal which provides a notification to the individual account holder of the transaction. The transaction device transmits the first signal to the communication device. The first signal is transmitted over a communication network directly to the communication device.Type: GrantFiled: June 12, 1997Date of Patent: March 2, 1999Inventors: Raymond Anthony Joao, Robert Richard Bock
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Patent number: 5839081Abstract: An anti-theft apparatus which comprises a blocking element for blocking the flow of exhaust gases, a device for moving the blocking element and a control device for controlling one of the apparatus and the moving device. The apparatus also comprises an activation device, for activating an operation of one of the apparatus and the control device, and a housing for housing at least one of the blocking element, the moving device and the control device. The moving device one of moves and displaces the blocking element between a first position, whereat the blocking element is removed from the flow path of exhaust gases, and a second position, whereat the blocking element is in the flow path of exhaust gases.Type: GrantFiled: March 14, 1997Date of Patent: November 17, 1998Inventors: Raymond Anthony Joao, Raymond Delfim Joao
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Patent number: 5697416Abstract: A cover device and method of use therefor for a motor vehicle which comprises a means for covering an entirety of a window and only a portion of at least one of a motor vehicle roof adjacent the window, a motor vehicle hood adjacent the window, a motor vehicle component adjacent the top edge portion of the window and a motor vehicle component adjacent the bottom edge portion of the window, and at least one handle for the covering means. The covering means is at least one of closable and securable inside at least one of a motor vehicle door, window and passenger compartment.Type: GrantFiled: March 15, 1995Date of Patent: December 16, 1997Inventors: Robert R. Bock, Raymond Anthony Joao
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Patent number: 5612878Abstract: An apparatus and method for motor vehicle anti-theft wherein the apparatus comprises a device for blocking a motor vehicle's exhaust gases path and a device for moving the blocking device. The moving device moves or displaces the blocking device to one of a first position, whereat the blocking device is completely removed from an exhaust gases path, and a second position, whereat the blocking device completely blocks an exhaust gases path. The method comprises the steps of actuating the moving device and moving the blocking device to a position, whereat the blocking device completely blocks off or seals off a motor vehicle exhaust gases path.Type: GrantFiled: June 22, 1995Date of Patent: March 18, 1997Inventors: Raymond A. Joao, Raymond D. Joao
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Patent number: 5513244Abstract: A remote-controlled anti-theft or theft-deterrent system and method, for motor vehicles, is disclosed which comprises a transmitting device, wherein the transmitting device is capable of transmitting data signals to at least two remote locations, a first receiving device for receiving the data signals transmitted from the transmitting device at a first of the at least two remote locations, a second receiving device for receiving the data signals transmitted from the transmitting device at a second of the at least two remote locations, a first control device associated with the first receiving device for processing the data representative of the data signals, wherein the first control device processes the data representative of the data signals and issues one of a disable signal and a re-enable signal to one of a vehicle's ignition system, a vehicle's fuel pump system and a vehicle's auxiliary equipment system one of instantaneously and after a time delay period, and a second control device associated with theType: GrantFiled: June 12, 1995Date of Patent: April 30, 1996Inventors: Raymond A. Joao, Raymond D. Joao, Thomas Garben
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Patent number: 5415214Abstract: A cover device for motor vehicle windows and/or lights is disclosed which comprises an external shell which has an inner region and at least two end regions. The cover device also comprises at least two handles, wherein each of the two handles is connected to the external shell at a perimeter region of each of the at least two end regions. The end regions of the external shell is closable inside a motor vehicle passenger compartment. The cover device protects a motor vehicle windows and/or lights from snow, ice, freezing rain, dirt, dust, debris or other foreign matter. The cover device can be used on a windshield, a rear window, side windows and lights of a motor vehicle so as to provide for an easy clearing and cleaning of same.Type: GrantFiled: February 4, 1994Date of Patent: May 16, 1995Inventors: Robert R. Bock, Raymond A. Joao