Patents by Inventor William R. Grant
William R. Grant 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: 20240092576Abstract: An automated order fulfillment system and mobile robot are disclosed, where the mobile robot includes a compliant drive for moving between levels of a multilevel storage structure. In one example, the compliant drive comprises a drive shaft having splines configured to provide rotational play that prevents jamming of a vertical drive gear on the end of the shaft with a rack in a vertical track.Type: ApplicationFiled: December 1, 2023Publication date: March 21, 2024Inventors: William J. Fosnight, John G. Lert, JR., Michael Duquette, Martin R. Elliott, Julian D. Warhurst, Charles W. Su, Alan J. Grant
-
Publication number: 20130290165Abstract: The invention provides various systems and methods for actively optimizing a credit score and reducing debt. The method includes receiving a credit report including credit accounts, balances, interest rates, and rate types for the credit accounts. The method further receives bank account and payroll information, as well as fixed and variable expense information. The method then generates a financial report based on the received information. Based on the financial report, the method calculates a payment amount, and determines available unassigned income. An allocation of the available income for debt reduction and credit score optimization is received, and the method dynamically allocates the funds to pay the credit accounts, the fixed expenses, and variable expenses such that the customer's debt is reduced and the customer's credit score is improved.Type: ApplicationFiled: March 25, 2013Publication date: October 31, 2013Inventors: Nicholas Cerise, Michael W. Rogers, William R. Grant
-
Patent number: 8417627Abstract: The invention provides various systems and methods for actively optimizing a credit score and reducing debt. The method includes receiving a credit report including credit accounts, balances, interest rates, and rate types for the credit accounts. The method further receives bank account and payroll information, as well as fixed and variable expense information. The method then generates a financial report based on the received information. Based on the financial report, the method calculates a payment amount, and determines available unassigned income. An allocation of the available income for debt reduction and credit score optimization is received, and the method dynamically allocates the funds to pay the credit accounts, the fixed expenses, and variable expenses such that the customer's debt is reduced and the customer's credit score is improved.Type: GrantFiled: December 12, 2011Date of Patent: April 9, 2013Assignee: The Western Union CompanyInventors: Nicholas Cerise, Michael W. Rogers, William R. Grant
-
Publication number: 20120317014Abstract: The invention provides various systems and methods for actively optimizing a credit score and reducing debt. The method includes receiving a credit report including credit accounts, balances, interest rates, and rate types for the credit accounts. The method further receives bank account and payroll information, as well as fixed and variable expense information. The method then generates a financial report based on the received information. Based on the financial report, the method calculates a payment amount, and determines available unassigned income. An allocation of the available income for debt reduction and credit score optimization is received, and the method dynamically allocates the funds to pay the credit accounts, the fixed expenses, and variable expenses such that the customer's debt is reduced and the customer's credit score is improved.Type: ApplicationFiled: December 12, 2011Publication date: December 13, 2012Applicant: The Western Union CompanyInventors: Nicholas Cerise, Michael W. Rogers, William R. Grant
-
Patent number: 8090594Abstract: The present invention provides systems and methods for implementing variable financial plans. The methods can include identifying an account, and accessing an account planning tool. Characteristics associated with the account are presented to the account planning tool, and an account plan is developed using the planning tool. Based at least in part on the account plan, a funds transfer is facilitated from a source of funds to the account. Activity in the account is monitored, and the account plan is modified in response to activity detected in the account plan.Type: GrantFiled: February 24, 2003Date of Patent: January 3, 2012Assignee: The Western Union CompanyInventors: William R. Grant, Michael W. Rogers, Mary Lou Corrigan, Michael F. Gallagher, Tony A. Muniz
-
Patent number: 8078527Abstract: The invention provides various systems and methods for actively optimizing a credit score and reducing debt. The method includes receiving a credit report including credit accounts, balances, interest rates, and rate types for the credit accounts. The method further receives bank account and payroll information, as well as fixed and variable expense information. The method then generates a financial report based on the received information. Based on the financial report, the method calculates a payment amount, and determines available unassigned income. An allocation of the available income for debt reduction and credit score optimization is received, and the method dynamically allocates the funds to pay the credit accounts, the fixed expenses, and variable expenses such that the customer's debt is reduced and the customer's credit score is improved.Type: GrantFiled: July 23, 2008Date of Patent: December 13, 2011Assignee: The Western Union CompanyInventors: Nicholas Cerise, Michael W. Rogers, William R. Grant
-
Patent number: 7849009Abstract: The present invention provides exemplary bill paying service methods and systems. One such bill paying service method (1000) includes enrolling a subscriber (Step 1010) who is a debtor to a first creditor and who has authorized debits to be taken from a designated account. The designated account is adapted to periodically receive a payroll deposit on a first regular schedule that is over time in excess of a minimum payment on a first debt owed by the debtor to the first creditor. The designated account is periodically debited, and any funds obtained are used to credit a custody account (Step 1012). The first creditor is paid (Step 1016), on behalf of the debtor and from the custody account, on a second regular schedule that differs from the first regular schedule. Paying the first creditor occurs in an amount calculated for an accelerated repayment of the first debt (Step 1014).Type: GrantFiled: January 2, 2003Date of Patent: December 7, 2010Assignee: The Western Union CompanyInventors: Craig Compiano, Michael W. Rogers, William R. Grant
-
Patent number: 7747525Abstract: The present invention provides systems and methods for customizing fixed rate and variable rate mortgages. In some cases, the methods include accessing mortgage information and identifying at least a first characteristic of the mortgage to be modified. In addition, a first funds transfer is authorized to facilitate modification of the first characteristic. The mortgage is also monitored and changes in any relevant characteristics are identified. Where changes in a second relevant characteristic is detected, a second funds transfer is authorized to facilitate modification of the first characteristic to compensate for the change in the second characteristic.Type: GrantFiled: November 22, 2002Date of Patent: June 29, 2010Assignee: The Western Union CompanyInventors: William R. Grant, Michael W. Rogers, MaryLou Corrigan, Michael F. Gallagher, Tony A. Muniz
-
Publication number: 20090063330Abstract: The invention provides various systems and methods for actively optimizing a credit score and reducing debt. The method includes receiving a credit report including credit accounts, balances, interest rates, and rate types for the credit accounts. The method further receives bank account and payroll information, as well as fixed and variable expense information. The method then generates a financial report based on the received information. Based on the financial report, the method calculates a payment amount, and determines available unassigned income. An allocation of the available income for debt reduction and credit score optimization is received, and the method dynamically allocates the funds to pay the credit accounts, the fixed expenses, and variable expenses such that the customer's debt is reduced and the customer's credit score is improved.Type: ApplicationFiled: July 23, 2008Publication date: March 5, 2009Applicant: The Western Union CompanyInventors: Nicholas Cerise, Michael W. Rogers, William R. Grant
-
Patent number: 6912134Abstract: A dual output power module housing a dual output power circuit for providing variable power to two parallel connected fan motors is shown. The power module includes a pad which has disposed thereon two power switching devices, two intelligent power switches, and a power circuit board on which circuits for controlling the intelligent power switches are disposed. The module includes a power shell that surrounds the dual output power circuit, and a resilient, flexible enclosure which encapsulates the power shell and the circuit components within the power shell.Type: GrantFiled: September 12, 2001Date of Patent: June 28, 2005Assignee: International Rectifier CorporationInventors: William R. Grant, Sergio Fissore
-
Publication number: 20040098328Abstract: The present invention provides systems and methods for implementing variable financial plans. The methods can include identifying an account, and accessing an account planning tool. Characteristics associated with the account are presented to the account planning tool, and an account plan is developed using the planning tool. Based at least in part on the account plan, a funds transfer is facilitated from a source of funds to the account. Activity in the account is monitored, and the account plan is modified in response to activity detected in the account plan.Type: ApplicationFiled: February 24, 2003Publication date: May 20, 2004Applicant: First Data CorporationInventors: William R. Grant, Michael W. Rogers, Mary Lou Corrigan, Michael F. Gallagher, Tony A. Muniz
-
Publication number: 20040088247Abstract: The present invention provides systems and methods for customizing fixed rate and variable rate mortgages. In some cases, the methods include accessing mortgage information and identifying at least a first characteristic of the mortgage to be modified. In addition, a first funds transfer is authorized to facilitate modification of the first characteristic. The mortgage is also monitored and changes in any relevant characteristics are identified. Where changes in a second relevant characteristic is detected, a second funds transfer is authorized to facilitate modification of the first characteristic to compensate for the change in the second characteristic.Type: ApplicationFiled: November 22, 2002Publication date: May 6, 2004Applicant: First Data CorporationInventors: William R. Grant, Michael W. Rogers, MaryLou Corrigan, Michael F. Gallagher, Tony A. Muniz
-
Publication number: 20040015438Abstract: The present invention provides exemplary bill paying service methods and systems. One such bill paying service method (1000) includes enrolling a subscriber (Step 1010) who is a debtor to a first creditor and who has authorized debits to be taken from a designated account. The designated account is adapted to periodically receive a payroll deposit on a first regular schedule that is over time in excess of a minimum payment on a first debt owed by the debtor to the first creditor. The designated account is periodically debited, and any funds obtained are used to credit a custody account (Step 1012). The first creditor is paid (Step 1016), on behalf of the debtor and from the custody account, on a second regular schedule that differs from the first regular schedule. Paying the first creditor occurs in an amount calculated for an accelerated repayment of the first debt (Step 1014).Type: ApplicationFiled: January 2, 2003Publication date: January 22, 2004Applicant: First Data CorporationInventors: Craig Compiano, Michael W. Rogers, William R. Grant
-
Publication number: 20020030977Abstract: A dual output power module housing a dual output power circuit for providing variable power to two parallel connected fan motors is shown. The power module includes a pad which has disposed thereon two power switching devices, two intelligent power switches, and a power circuit board on which circuits for controlling the intelligent power switches are disposed. The module includes a power shell that surrounds the dual output power circuit, and a resilient, flexible enclosure which encapsulates the power shell and the circuit components within the power shell.Type: ApplicationFiled: September 12, 2001Publication date: March 14, 2002Inventors: William R. Grant, Sergio Fissore
-
Patent number: 5226361Abstract: The inventive apparatus provides for the automated marking, inspecting and handling of a variety of singulated integrated circuit devices. The apparatus includes a computerized high speed vision system with operator touchscreen interface control of a novel series of electrical and mechanical operations to automatically receive integrated circuit devices from a suitable bulk input supply and sequentially inspect, align, mark, inspect, accept or reject, cure and discharge into a suitable bulk output supply, a high volume of properly marked integrated circuit devices, packaged and ready for shipment.Type: GrantFiled: May 19, 1992Date of Patent: July 13, 1993Assignee: Micron Technology, Inc.Inventors: William R. Grant, William C. Layer, Refugio C. Morales, Deanna K. Wirz
-
Patent number: PP9788Abstract: A new and distinct Sweet Gum tree named `Grant's Seedless Zn-4`, which is particularly characterized by its lack of fruits or seed pods, and its hardiness to minus 25 degrees Fahrenheit (USDA ZONE 4B), and, its canopy, which allows vigorous and healthy lawn growth and has intense Burgundy red and golden yellow Fall colors.Type: GrantFiled: August 31, 1995Date of Patent: January 28, 1997Inventors: William R. Grant, Elizabeth M. Grant, W. Cal Grant