Albert R.
Albert R. Dipiero, Portland, OR US
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20120271776 | Health Plan Management Method and Apparatus - Techniques and apparatus for managing contributions to an accruable health spending account in an employer-sponsored plan offering a member an employer-funded defined contribution, at least one insurance premium option and the ability to specify an allocation of the defined contribution for payment of option premiums and in turn, a directed contribution amount designated to such accruable account are disclosed. The accruable account may be used to reimburse the member for qualified medical expenses, and the member may pay any premium shortfall using a tax-advantaged process such as a premium only payment plan. Also disclosed are techniques and apparatus directed to presenting member-specific out-of-pocket expenses for a selected procedure offered by at least one health-care provider. | 10-25-2012 |
20140207483 | Health Plan Management Method and Apparatus - Techniques and apparatus for managing contributions to an accruable health spending account in an employer-sponsored plan offering a member an employer-funded defined contribution, at least one insurance premium option and the ability to specify an allocation of the defined contribution for payment of option premiums and in turn, a directed contribution amount designated to such accruable account are disclosed. The accruable account may be used to reimburse the member for qualified medical expenses, and the member may pay any premium shortfall using a tax-advantaged process such as a premium only payment plan. Also disclosed are techniques and apparatus directed to presenting member-specific out-of-pocket expenses for a selected procedure offered by at least one health-care provider. | 07-24-2014 |
Albert R. Duoibes, East Grand Rapids, MI US
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20150052959 | FERTILIZER PRODUCTS AND METHODS - Fertilizer is made by reacting fossilized organic matter (FOM) with saccharides, preferably waste saccharides. | 02-26-2015 |
Albert R. Klunick, Springfield, IL US
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20140171229 | BALL SHOOTING TRAINING APPARATUS - A ball shooting training apparatus comprises a support member. An arm receiving strut is coupled to the support member and extends in a rearward direction, and is configured for receiving an upper arm of a user. A guide support configured for receiving a forearm of the user is coupled to the support member and extends upward to a distal end to form a substantially 90 degree angle with the arm receiving strut. A support rod is coupled to the support member and extends upward from the arm receiving strut. A shot completion engagement is disposed at or near the distal end of the support rod, and in front of and above the distal end of the guide support. | 06-19-2014 |
Albert R. Lupcho, Iii, Jacksonville, FL US
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20150278939 | Document Calculator - A customer may desire to enroll in a transaction, such as a product or a service, offered, managed, and/or owned by an institution, such as a financial institution. The customer may attempt to directly enroll in the product or service or may enroll in the product or service through an agent of the institution. The customer and/or agent may select the product or service (e.g., via a workstation or other device), and a computing device may determine which documents the product or service uses, which documents the customer has on file already, and/or which documents the customer is missing. The computing device may cause the customer and/or agent to be notified of the missing documents. When the customer and/or agent provides all of the documents for the product or service (or an exception applies to one or more missing documents), the computing system may enroll the customer in the selected product or service. | 10-01-2015 |
20150278940 | Obtaining Missing Documents From User - A customer may desire to enroll in a transaction, such as a product or a service, offered, managed, and/or owned by an institution, such as a financial institution. The customer may attempt to directly enroll in the product or service or may enroll in the product or service through an agent of the institution. The customer and/or agent may select the product or service (e.g., via a workstation or other device), and a computing device may determine which documents the product or service uses, which documents the customer has on file already, and/or which documents the customer is missing. The computing device may cause the customer and/or agent to be notified of the missing documents. When the customer and/or agent provides all of the documents for the product or service (or an exception applies to one or more missing documents), the computing system may enroll the customer in the selected product or service. | 10-01-2015 |
Albert R. Miller, Naperville, IL US
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20120324836 | METHOD OF APPLICATION OF CLOSURE LINER IN HOT FILL PACKAGES - A method of applying a liner to a container mouth in a hot-fill operation, said method comprising the steps of: placing the liner over a mouth sealing surface of the container; heating the liner by induction or conduction; and cooling the liner immediately thereafter while biasing the liner against the mouth sealing surface for a sufficient length of time to permit curing and sealing of the liner to the mouth sealing surface. | 12-27-2012 |
Albert R. Miner, Ii, Grayson, GA US
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20100330286 | AQUEOUS EMULSION POLYMER FOR SCRUB RESISTANCE AND WET ADHESION - An aqueous emulsion polymer and a method for preparing the aqueous emulsion polymer, where the aqueous emulsion polymer is useful in an aqueous coating composition to provide good scrub resistance while maintaining wet adhesion of the aqueous coating composition. | 12-30-2010 |
20110152439 | COATING COMPOSITIONS FOR IMPROVED BLOCK RESISTANCE - The aqueous volatile organic compound (VOC)-free coating compositions includes an acrylic latex and a vinyl acetate-ethylene latex including from 10 to 90 weight percent of a vinyl acetate-ethylene polymer, based on total weight of acrylic polymer and vinyl acetate-ethylene polymer, having a T | 06-23-2011 |
20150152280 | COATING COMPOSITIONS FOR IMPROVED BLOCK RESISTANCE - Embodiments include coating compositions, methods of coating a substrate, and substrates having at least one surface coated according to the methods of the present disclosure. The aqueous, substantially volatile organic compound (VOC)-free coating compositions includes an acrylic latex and a vinyl acetate-ethylene latex including from about 10 to about 90 weight percent of a vinyl acetate-ethylene polymer, based on total weight of acrylic polymer and vinyl acetate-ethylene polymer, having a T | 06-04-2015 |
Albert R. Shilton, Pacific Palisades, CA US
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20130076269 | RAIL LIGHT - A portable lighting unit is provided which is configured to attach to cables, railing, tubing or any other fixture. In one embodiment, the lighting unit comprises a first housing comprising a first pair of opposing notches, a second housing comprising a second pair of opposing notches, the first and second housings being attachable together with the notches cooperating to receive the fixture through the notches, a photovoltaic cell mounted to one of the first and second housings, a light source mounted to one of the first and second housings, and at least one rechargeable battery housed within one of the first and second housings, the at least one rechargeable battery electrically coupled to the photovoltaic cell and to the light source. | 03-28-2013 |
Albert R. Subbloie, Jr., Orange, CT US
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20150025943 | SYSTEM AND METHOD FOR MEASURING, COMPARING AND IMPROVING WORK FORCE COMMUNICATION RESPONSE TIMES, PERFORMANCE, EFFICIENCY AND EFFECTIVENESS - A system and method for measuring the efficiency and effectiveness of individuals and automated systems by using transaction based measurements of communications that are normalized into a velocity score to depict excellent performance versus poor performance. Individual velocity scores may be aggregated to grade a person, a group, a department, a company or an industry or geography. The velocity score includes a plurality of weights that are used to provide higher or lower velocity scores depending on criteria selected by the entity. | 01-22-2015 |
20150040244 | System And Method For Communications Routing - Provided is a system which allows a user to efficiently locate and contact those individuals the user would like to communicate with. The system can also collect or access data about users in order to determine the best contact point to use at a particular time. Some of the data may include information pertaining to a user's appointments, schedule, activities, location and/or contact point usage. The system can monitor the data and may determine an individual's usage patterns in order to select or suggest contact points that are the best to contact a particular user at a particular time. The system may also determine or receive settings that allow for the routing of communications to particular contact points based on how the user receiving the communication would prefer to be contacted. Further, the system may securely route sensitive communications and prevent or limit forwarding of the sensitive information. | 02-05-2015 |
20150046553 | Communications Routing and Contact Updates - A system allowing a user to efficiently locate and contact those individuals the user would like to communicate with and for collection of data about users to determine the best contact point to use at a particular time. The system monitors the data and may determine an individual's usage patterns in order to select or suggest contact points that are the best to contact a particular user at a particular time. The system may also allow for the routing of communications to particular contact points based on how the user receiving the communication would prefer to be contacted. The system allows for the single selection of an icon by an individual and automatically determines the contact point to contact the particular user. If further allows for the particular user to push out to others updated contact information. | 02-12-2015 |