Patents by Inventor Richard A. Gilmour

Richard A. Gilmour 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: 20220261885
    Abstract: A system and a method are disclosed for generating financial goal packages. Personal and financial information is received from a user. Multiple budgeting strategies are generated based on the received personal and financial information. The budgeting strategies specify an amount of money to be saved by the user every set time period. A selection of a budgeting strategy is received from the user. Multiple goal packages specifying an allocation for the money saved by the user are generated. The multiple goal packages are scored based on the selected budgeting strategy. A goal package is selected based on the scores of each of the goal packages. The selected goal package is displayed to the user via a graphical user interface.
    Type: Application
    Filed: May 5, 2022
    Publication date: August 18, 2022
    Inventors: Audrey Ji-eun Kim, Benjamin Michael Bartholomew, Stephany Yerger Kirkpatrick, Thomas Richard Gilmour
  • Patent number: 11348168
    Abstract: A system and a method are disclosed for generating financial goal packages. Personal and financial information is received from a user. Multiple budgeting strategies are generated based on the received personal and financial information. The budgeting strategies specify an amount of money to be saved by the user every set time period. A selection of a budgeting strategy is received from the user. Multiple goal packages specifying an allocation for the money saved by the user are generated. The multiple goal packages are scored based on the selected budgeting strategy. A goal package is selected based on the scores of each of the goal packages. The selected goal package is displayed to the user via a graphical user interface.
    Type: Grant
    Filed: February 17, 2016
    Date of Patent: May 31, 2022
    Assignee: The Northwestern Mutual Life Insurance Company
    Inventors: Audrey Ji-eun Kim, Benjamin Michael Bartholomew, Stephany Yerger Kirkpatrick, Thomas Richard Gilmour
  • Publication number: 20160247222
    Abstract: A system and a method are disclosed for generating financial goal packages. Personal and financial information is received from a user. Multiple budgeting strategies are generated based on the received personal and financial information. The budgeting strategies specify an amount of money to be saved by the user every set time period. A selection of a budgeting strategy is received from the user. Multiple goal packages specifying an allocation for the money saved by the user are generated. The multiple goal packages are scored based on the selected budgeting strategy. A goal package is selected based on the scores of each of the goal packages. The selected goal package is displayed to the user via a graphical user interface.
    Type: Application
    Filed: February 17, 2016
    Publication date: August 25, 2016
    Inventors: Audrey Ji-eun Kim, Benjamin Michael Bartholomew, Stephany Yerger Kirkpatrick, Thomas Richard Gilmour
  • Publication number: 20130063438
    Abstract: Technologies and implementations for providing 3-dimensional images are generally disclosed.
    Type: Application
    Filed: September 12, 2011
    Publication date: March 14, 2013
    Applicant: EMPIRE TECHNOLOGY DEVELOPMENT LLC
    Inventors: Richard Gilmour Billett, James Robert Ward, Lydia Kay Goh
  • Patent number: 6815838
    Abstract: A laser alignment target is provided having a surface that is out of plane with and has substantially the same first reflectivity as an adjacent surface of the semiconductor device, and a sidewall having a second reflectivity different than the first reflectivity. The target provides sidewalls that provide contrast for finding the target despite loss of contrast created by layers of dielectric over the target and use of short wavelength light.
    Type: Grant
    Filed: February 20, 2002
    Date of Patent: November 9, 2004
    Assignee: International Business Machines Corporation
    Inventors: Timothy H. Daubenspeck, Richard A. Gilmour, William T. Motsiff, Christopher D. Muzzy
  • Patent number: 6661106
    Abstract: The present invention relates to an alignment mark structure for laser fusing. An alignment mark structure is formed which is comprised of image elements that are placed on different film layers in a semiconductor device. Alignment is accomplished by examining the difference in reflected energy of a laser beam as the beam traverses the alignment mark structure. By forming the alignment mark structure such that it has elements on different film layers, the reflected energy can be modulated to avoid the situation in which no difference in reflected energy is found, which would make the alignment mark invisible to the laser fusing tool. A method of applying the alignment mark structure is also disclosed.
    Type: Grant
    Filed: August 13, 2002
    Date of Patent: December 9, 2003
    Assignee: International Business Machines Corporation
    Inventors: Richard A. Gilmour, William A. Klaasen, William T. Motsiff
  • Publication number: 20030156289
    Abstract: A laser alignment target is provided having a surface that is out of plane with and has substantially the same first reflectivity as an adjacent surface of the semiconductor device, and a sidewall having a second reflectivity different than the first reflectivity. The target provides sidewalls that provide contrast for finding the target despite loss of contrast created by layers of dielectric over the target and use of short wavelength light.
    Type: Application
    Filed: February 20, 2002
    Publication date: August 21, 2003
    Applicant: International Business Machines Corporation
    Inventors: Timothy H. Daubenspeck, Richard A. Gilmour, William T. Motsiff, Christopher D. Muzzy
  • Patent number: 6054339
    Abstract: A shortened fuse link is disclosed. The fuse link comprises a first and second interconnect, with interconnects each being substantially longer than deep. The interconnects are disposed toward each other with a insulator region between them. A fusible conductor, spanning the insulator region, is attached at the top of the interconnects. The present device allows the length of the fusible conductor to be shortened, and results in a fuse link that can be consistently blown with a single laser pulse. Additionally, the fuse link can be used in a staggered layout. The staggered layout of parallel fuse links allows a high number of links in a relatively small area, with or without the use of tungsten barriers, and allows accessing all fuse links through a single fuse blow window.
    Type: Grant
    Filed: March 4, 1997
    Date of Patent: April 25, 2000
    Assignee: International Business Machines Corporation
    Inventors: Richard A. Gilmour, Ronald R. Uttecht, Erick G. Walton
  • Patent number: 5760674
    Abstract: The fuse link includes a first and second interconnect, with interconnects each being substantially longer than deep. The interconnects are disposed toward each other with a insulator region between them. A fusible conductor, spanning the insulator region, is attached at the top of the interconnects. The present device allows the length of the fusible conductor to be shortened, and results in a fuse link that can be consistently blown with a single laser pulse. Additionally, the fuse link can be used in a staggered layout. The staggered layout of parallel fuse links allows a high number of links in a relatively small area, with or without the use of tungsten barriers, and allows accessing all fuse links through a single fuse blow window.
    Type: Grant
    Filed: November 28, 1995
    Date of Patent: June 2, 1998
    Assignee: International Business Machines Corporation
    Inventors: Richard A. Gilmour, Ronald R. Uttecht, Erick G. Walton
  • Patent number: 5523253
    Abstract: The present disclosure sets forth an improved integrated circuit in which circuit elements, adjacent to a fuse, are protected by barriers positioned adjacent the fuse. In the improved integrated circuit the barriers are non-frangible, high melting point structures buried in the passivating layer, covering a wiring layer containing a fuse, and are between the fuse and adjacent circuit elements in the wiring layer structures.Also taught is a method of protecting circuit elements adjacent a fuse comprising the steps of depositing an insulating layer on the surface of a semiconductor device having active regions therein, forming a plurality of fuses and circuit elements in said layer, coating said fuses and elements with a second insulating layer, patterning said second insulating layer to form grooves between each of said fuses and any adjacent fuse or circuit element, and depositing a high melting point and non-frangible material in said grooves.
    Type: Grant
    Filed: February 16, 1995
    Date of Patent: June 4, 1996
    Assignee: International Business Machines Corp.
    Inventors: Richard A. Gilmour, Thomas J. Hartswick, David C. Thomas, Ronald R. Uttecht, Erick G. Walton
  • Patent number: 5420455
    Abstract: The present disclosure sets forth an improved integrated circuit in which circuit elements, adjacent to a fuse, are protected by barriers positioned adjacent the fuse. In the improved integrated circuit the barriers are non-frangible, high melting point structures buried in the passivating layer, covering a wiring layer containing a fuse, and are between the fuse and adjacent circuit elements in the wiring layer structures.Also taught is a method of protecting circuit elements adjacent a fuse comprising the steps of depositing an insulating layer on the surface of a semiconductor device having active regions therein, forming a plurality of fuses and circuit elements in said layer, coating said fuses and elements with a second insulating layer, patterning said second insulating layer to form grooves between each of said fuses and any adjacent fuse or circuit element, and depositing a high melting point and non-frangible material in said grooves.
    Type: Grant
    Filed: March 31, 1994
    Date of Patent: May 30, 1995
    Assignee: International Business Machines Corp.
    Inventors: Richard A. Gilmour, Thomas J. Hartswick, David C. Thomas, Ronald R. Uttecht, Erick G. Walton
  • Patent number: 5374590
    Abstract: A method of fabricating a microfuse, deletable by laser pulses utilizes laser pulses of a predetermined spot diameter and beam alignment accuracy. A fusible link forming a portion of the microfuse is defined such that its length is at least equal to the sum of the laser spot diameter and the beam alignment accuracy and its width is no greater than half the laser spot diameter. A method of deleting the microfuse by laser pulses is provided where the microfuse has a predetermined composition, length and width having an axis bisecting the width and parallel to the length and is covered with a passivation layer at least 3 .mu.m thick. The method includes adjusting the diameter of the beam of laser light (i) to at least a minimum diameter of W+.DELTA.P.sub.w, where W equals the width of the microfuse fuse link and .DELTA. P.sub.w equals the accuracy of the beam in the direction of W and (ii) to no more than a maximum diameter of L+.DELTA.P.sub.L, where L equals the length of the microfuse fuse link and .DELTA.P.
    Type: Grant
    Filed: April 28, 1993
    Date of Patent: December 20, 1994
    Assignee: International Business Machines Corporation
    Inventors: Kerry L. Batdorf, Richard A. Gilmour, Paul Tsang