Abstract: A method and apparatus for closed loop, automatic processing a loan, including completion of the application, underwriting, and transferring funds, includes use of a programmed computer to interface with an applicant, obtain the information needed to process the loan, determine whether to approve the loan, and effect electronic fund transfers to the applicant's deposit account and arrange for automatic withdrawals to repay the loan. Information is received from the applicant preferably by using voice recognition technology but alternatively by entering the alpha-numeric information using a personal computer keyboard or using the buttons on a telephone. The loan approval determination is made using a neural network with input obtained in part from the applicant and in part from databases accessed by the computer, such as a credit bureau, to obtain a credit report.

Abstract: An apparatus and method for high volume, and high speed, financial image creation and manipulation. Images of cleared checks are captured and combined with MICR data and customer supplied account history. A customer additional data field is incorporated to facilitate searching and retrieval of checks and electronic transactions. Check images are delivered in multiple media, e.g., CD-ROM, microfilm, as pre-selected by bank customer. Image workstation allows customers to relate specific issue data to paid check data captured by the bank. Cumulative transaction item index covers multiple accounting periods. Front and back of image of cleared checks can be manipulated on screen, and exported to other applications. Graphical user interface trilogy of screens--search, results and display, facilitate usage by customer.

Abstract: A fabric width control system for a fabric compactor for compacting a moving fabric web. The system includes a vision assembly for measuring the width of the moving fabric web downstream of the fabric compactor. A mechanical spreader is located upstream of the fabric compactor for adjusting the width of the web in response to a control signal from an open loop controller. The controller is connected to the vision assembly and the mechanical spreader for controlling the position of the mechanical spreader in response to a change in the width of the moving fabric web from a pre-set value. In the preferred embodiment, a cloth stabilizer is located downstream of the fabric compactor for maintaining the moving fabric web at a pre-determined position with respect to the vision assembly, thereby further increasing the accuracy of the system.

Abstract: A self-releasing or break-away coupler that releases in response to experiencing a predetermined load. The self-releasing coupler includes a pair of jaws that form a fastener. Surrounding the jaws is a sleeve housing that deforms in response to the predetermined load when applied to the jaws. That is, as the housing deforms, the jaws are allowed to open so as to release a fastener or connector secured within the jaws.

Abstract: A pressure regulator and steamer oven for cooking food at low pressure is provided which conserves water and space. The oven includes heating elements and a cooking cavity having a pool for holding water to be turned into steam. A pressure regulator mechanism attached to the rear of the steamer includes a reservoir and a float switch. A steam outlet conduit connects the cooking cavity to the reservoir and extends below the normal water level in the reservoir. The lower end of the conduit is blocked by water in the reservoir. The float switch is operable to turn off the heating elements when the pressure in the conduit exceeds a pre-determined level. Thus, the pressure regulator employs a water seal and float switch to help indirectly measure the pressure in the cooking cavity and control the heating elements accordingly. The reservoir is connected to the pool via an overflow which allows condensate to be recirculated to the cooking cavity.

Abstract: A convection oven includes a plurality of modular control panels which can be interchanged with one another to change the functional capability of the oven. The base unit contains the basic structural and mechanical components of the convection oven including a heating element and blower. Each of the individual control panels can control the operation of the heating element and blower in the base unit. Each control panel will include a different group of controls. All of the available control panels plug into a standard interface on the base unit. Therefore, the functional capabilities of the oven can be changed by removing the existing control panel on the base unit and reinstalling a different control panel.

Abstract: An apparatus and method for configuring a modem in a cellular radio communications system when the modem front end is physically separated from the modem back end. The method includes the steps of inputting the configuration information, comparing that configuration information against default configuration parameters to identify any non-default configuration information, storing that non-default configuration information, and transmitting that non-default configuration information via a radio link to the modem back end on each call-attempt. In this manner, the problem of lost configuration information is overcome, and the modem back end is properly configured for operation with communication software programs on each data call-attempt. The apparatus allows for configuration information to be retained by the modem front end for an entire communication session and the transmission of non-default configuration information to the paired modem back end each time a call-attempt is made.

Abstract: A muzzle-loading firearm having a breech loading receiver including a locking mechanism movable between an open position and a locked position; a barrel having a breech end engaging the receiver and a bore extending from the barrel's breech end; and a firing module receiving plug positioned within the barrel's breech, the plug including a chamber axially aligned with the barrel bore to receive an ejectable firing module having an igniter within a chamber.

Abstract: A closure is attached across the open mouth of a flexible bag for use in closing the bag and dispensing solid, particulate material therefrom. The closure is formed of a continuous ring having a circumference approximating the circumference of the bag mouth, and include a first wall engaging one side of the bag adjacent the bag mouth, and a cover extending across the bag mouth, the cover having a top surface with at least one access opening, a removable cap for the opening, and a continuous rim extending downwardly from the top surface, the rim having a second wall engaging the opposite side of the bag adjacent the bag mouth, the first and second walls being adapted to clamp the upper edge of the bag.

Abstract: The present invention entails a dual shaft putter having a putting head and a pair of shafts extending generally upwardly therefrom. The shafts include lower sections that are secured to the putter head in general transverse alignment. In addition, the shafts include upper parallel sections which lie in a plane, that when extended downwardly, intersects the center of mass of the putting head.

Abstract: A vapor recovery system used with fuel dispensers and having error detection capabilities incorporated therein for detecting vapor leaks and performance deficiencies in the vapor recovery system. The vapor recovery system includes a fuel nozzle connected to a fuel source for pumping fuel into a vehicle. A vapor transfer line is connected to the nozzle and has a connected pump which pumps fuel vapor from the nozzle through the vapor transfer line and into a vapor holding tank. A pair of test valves are connected in the vapor transfer line on opposite sides of the pump and are used to isolate selected sections of the vapor recovery system for test purposes. Connected between each test valve and pump is a pressure sensor for measuring pressure in the vapor transfer line. A digital processor is connected to the vapor recovery system to control the vapor recovery system and to place the vapor recovery system in various test modes.

Abstract: A dispenser for feeding perforated paper towels from a continuous roll. The dispenser includes a dispenser body for containing the paper towel roll which may be mounted to a supporting surface such as a wall. A unique feeder assembly is attached to the dispenser body for dispensing an end portion of the continuous roll. The feeder assembly includes a feeder body having a back wall, first and a second side walls attached on each side edge and a bottom wall attached to the bottom edge of the back and side walls. A first aperture is located on the bottom wall of the feeder body and a face plate having a second aperture overlapping the first aperture also is attached to the feeder body. The pair of overlapping apertures are biased against one another for receiving and dispensing an individual paper towel. In the preferred embodiment, a removable flange attaches the feeder assembly to the dispenser body. The flange includes a locking mechanism for lockingly engaging the flange onto the dispenser body.

Abstract: A template system is provided for laying out the location of telecommunication switching cabinets in a switching center. The template system includes a plurality of fixture templates and a plurality of connector pieces for joining the fixture templates to one another. Each fixture template includes pre-formed marking holes and pre-formed marking slots to mark the layout of the cabinet. The marking holes are used to mark the location of mounting holes in the floor. Marking slots are used to mark the location of access openings for wiring in suspended floor systems. The connector pieces interlock with the fixture templates so that the fixture templates are always spaced a predetermined distance from one another. The interlocking fixture templates and connector pieces minimize the reliance on measurements thereby reducing the number of errors likely to occur when laying out the cabinets.