David Kent Nielson

20050075969, Apr 7, 2005

Oct 2, 2003

10/677883

David Nielson - Draper UT, US
Jarrod Clarke - Draper UT, US

Prime Acceptance Corp. - Salt Lake City UT

G06F017/60

705038000

A method and system for a loan-making entity to provide a benefit to employees of others by way of payday advance loans on demand to qualified borrowers. Agreements are entered into between the entity and the employee and between the entity and the employer. When an employee needs a payday advance loan, he or she telephones or goes on-line to the entity and asks for a desired amount. Employment status but no other credit information is checked, and the funds are immediately available to the employee, in cash, by check, by debit card funding, or the like. The entity advises the employer electronically of all outstanding loans on or before the next payday, and loans with fee amounts are deducted from employees' paychecks and the loans and fees are paid to the entity. Any shortfalls in monies payable roll over to the next pay period, with added fees as appropriate. The entity may collect only against the employee, not the employer, under the agreements, if there is a default.

41046374, Aug 1, 1978

Oct 27, 1976

5/735947

David R. Nielson - Sandy UT

E-Systems, Inc. - Dallas TX

G01S 144
H04B 106

343106R

A VOR monitoring system responds to the phase difference between two signals to determine the bearing of an aircraft with reference to a transmitting station. Even harmonic distortion interference in the monitored signals produces a bearing error and when the bearing error exceeds a preset limit the monitor of the present invention energizes an alarm. The two monitored signals are identified as a 30 Hz reference and 30 Hz variable signal, each of which is doubled in frequency to 60 Hz and divided by three to produce two 20 Hz signals. One of the 20 Hz signals is identified as a positive error signal and the second as a negative error signal. The negative error signal is phase delayed through a programmable delay by an amount related to the bearing of an aircraft with respect to a transmitting field station. The two error signals are then phase compared and the difference tested against a preset bearing error limit. When the phase difference between the two error signals exceeds the bearing error limit the alarm is energized.