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Abeles
Gary Abeles, Verona, NJ US
| Patent application number | Description | Published |
|---|---|---|
| 20120005093 | SYSTEM AND METHOD FOR AUTOMATIC PAYMENT OF FINANCIAL OBLIGATIONS - The present invention is a method for managing funds in anticipation of paying at least two financial obligations, such as an estimated tax payment and a mortgage payment. The due dates and amounts due are determined from customer financial information. During an escrow period leading up to the first obligation due date, amounts of money are transferred on at least two occasions from a customer account into a second account, whereby the combined value of the transferred amounts substantially matches the estimated tax or other amount due for the first obligation. The transfer amounts and/or timing are adjusted so as to maintain sufficient funds in the customer account for paying the other obligations. The transferred money is used to automatically pay the first obligation on or near the due date. In embodiments, the customer can access the money in the second account until the first financial obligation is paid. | 01-05-2012 |
Gary Evan Abeles, Verona, NJ US
| Patent application number | Description | Published |
|---|---|---|
| 20100036760 | FLEXIBLE AND ADAPTIVE ACCRUAL METHOD AND APPARATUS FOR CALCULATING AND FACILITATING COMPLIANCE WITH TAXES AND OTHER OBLIGATIONS - A computer-based system and method calculates and facilitates revenue accrual, for making larger, less frequent payments of estimated taxes or other obligations. Payer preferences are applied to satisfy variable payment intervals, amounts, and available resources. The obligation, required payments, and set-aside schedules are recalculated as needed, under payer and/or system control. Excess accruals are minimized; set-aside schedules are configurable. The system may be self-contained, handheld, or accessed remotely. Automatic datalinks move information and command fund transfers from the payer's bank, to accrue funds and make payments to other accounts. A service host may support a plurality of payers to make set-asides and payments at various levels as needed, on an individual or batch basis, including individual taxpayer enrollment for batch file tax payments by service providers. Some embodiments can be embedded to enhance the capabilities of other systems. | 02-11-2010 |
| 20110145112 | FLEXIBLE AND ADAPTIVE ACCRUAL METHOD AND APPARATUS FOR CALCULATING AND FACILITATING COMPLIANCE WITH TAXES AND OTHER OBLIGATIONS - A computer-based system and method calculates and facilitates revenue accrual, for making larger, less frequent payments of estimated taxes or other obligations. Payer preferences are applied to satisfy variable payment intervals, amounts, and available resources. The obligation, required payments, and set-aside schedules are recalculated as needed, under payer and/or system control. Excess accruals are minimized; set-aside schedules are configurable. The system may be self-contained, handheld, or accessed remotely. Automatic datalinks move information and command fund transfers from the payer's bank, to accrue funds and make payments to other accounts. A service host may support a plurality of payers to make set-asides and payments at various levels as needed, on an individual or batch basis, including individual taxpayer enrollment for batch file tax payments by service providers. Some embodiments can be embedded to enhance the capabilities of other systems. | 06-16-2011 |
Joseph H. Abeles, East Brunswick, NJ US
| Patent application number | Description | Published |
|---|---|---|
| 20080218281 | Anodically Bonded Cell, Method for Making Same and Systems Incorporating Same - A cell suitable for use with an atomic clock and a method for making the same, the cell including: a silicon wafer having a recess formed therein; at least one amorphous silicate member having an ion mobility and temperature expansion coefficient approximately that of silicon sealing the recess; and, an alkali metal containing component and buffer gas contained in the recess. The method includes: providing a silicon wafer; forming a cavity through the silicon wafer; introducing an alkali metal containing component and buffer gas into the cavity; and, anodically bonding at least one amorphous silicate member having an ion mobility and temperature expansion coefficient approximately that of silicon to the wafer to close the cavity. | 09-11-2008 |
| 20090059980 | HIGH-STABILITY FREQUENCY REFERENCE BASED ON SELF-LOCKED ALKALI-VAPOR LASER - Embodiments of the invention are directed to an atomic-based frequency reference that includes an architecture that eliminates the need for local oscillator components and instead is implemented with a “photonic local oscillator,” that provides for a relatively low power consumption, compact, atomic clock/frequency reference. Such a system is based on a laser cavity which contains an alkali-vapor-cell within the laser cavity. The laser cavity is designed to oscillate in two or more optical wavelengths, with the frequency difference of these lasing wavelengths equal to the atomic hyperfine resonance frequency. Embodiments of the system can include relatively few elements, namely: a) an optical gain element with an emission band centered at the atomic absorption band; b) collimating optics; c) an atomic vapor cell; and d) a cavity end mirror. Optionally, specific polarization optics may be used depending on the specifics of the optical pumping. | 03-05-2009 |
Joseph Hy Abeles, East Brunswick, NJ US
| Patent application number | Description | Published |
|---|---|---|
| 20090066430 | BATCH-FABRICATED, RF-INTERROGATED, END TRANSITION, CHIP-SCALE ATOMIC CLOCK - A chip scale atomic clock is disclosed that provides a low power atomic time/frequency reference that employs direct RF-interrogation on an end-state transition. The atomic time/frequency reference includes an alkali vapor cell containing alkali atoms, preferably cesium atoms, flex circuits for physically supporting, heating, and thermally isolating the alkali vapor cell, a laser source for pumping alkali atoms within the alkali vapor cell into an end resonance state by applying an optical signal along a first axis, a photodetector for detecting a second optical signal emanating from the alkali vapor cell along the first axis, a pair of RF excitation coils for applying an RF-interrogation signal to the alkali atoms along a second axis perpendicular to the first axis, a pair of bias coils for applying a uniform DC magnetic field along the first axis, and a pair of Zeeman coils for applying a Zeeman interrogation signal to the alkali atoms and oriented and configured to apply a time-varying magnetic field along the second axis through the alkali vapor cell. Another flex circuit is used for physically supporting the laser source, for heating the laser source, and for providing thermal isolation of the laser source. The laser source can be a vertical cavity surface emitting laser (VSCEL). The bias coils can be Helmholtz coils. | 03-12-2009 |
| 20110274130 | SINGLE RIDGE N-P-N DIODE LASER - The present disclosure relates to a diode laser and a method for producing the same. In one embodiment, the diode laser, comprises a passive pedestal layer structure, an active ridge layer structure positioned over the passive pedestal layer structure, a p-contact contacting a top side of the active ridge layer structure, a first n-contact disposed on a first side of the active ridge layer structure, a second n-contact disposed on a second side of the active ridge layer structure and, an n-final-metal layer connecting the first n-contact metal and the second n-contact metal, wherein the n-final-metal layer is continuous over the active ridge layer structure. | 11-10-2011 |