Raymond Anthony Joao

US Patent:

6347302, Feb 12, 2002

Filed:

Jul 31, 1997

Appl. No.:

08/903778

Inventors:

Raymond Anthony Joao - Yonkers NY 10703

International Classification:

G06F 1760

US Classification:

705 4, 705 35, 705 36, 705 37, 705 38, 705 2

Abstract:

An apparatus and method for processing lease insurance information which includes a memory device for storing a first data set, wherein the first data set contains information for generating at least one of an insurance premium and an insurance policy for providing lease insurance for excess wear and tear for a leased entity or post-warranty repairs for a leased entity, respectively, a processor for processing the first data set in conjunction with a second data set and a third data set, wherein the second data set contains information regarding at least one of the entity to be leased and a term of the lease, and wherein the third data set contains information regarding at least one of the leasing individual, the leasing entity, or other pertinent information, and further wherein the processor generates a fourth data set containing at least one of an insurance premium and an insurance policy for providing insurance for excess wear and tear or post-warranty repairs, respectively, for the leased entity, and a device for at least one of displaying and outputting information contained in at least one of said fourth data set, the insurance premium, and the insurance policy.

US Patent:

6529725, Mar 4, 2003

Filed:

Oct 9, 1998

Appl. No.:

09/169053

Inventors:

Raymond Anthony Joao - Yonkers NY 10703
Robert Richard Bock - Yonkers NY 10704

International Classification:

H04Q 720

US Classification:

455406, 455407, 455408, 455410, 455411, 37911201, 379 9101, 379 9102, 340 54, 340 542, 340 55

Abstract:

A transaction security apparatus and method including an input device for inputting transaction data, a processing device for processing the transaction data and for generating a first signal corresponding to the transaction, and a transmitter for transmitting the first signal over a communication network directly to a communication device associated with an individual account holder. The communication device provides notification to the individual account holder of the transaction.

US Patent:

6542076, Apr 1, 2003

Filed:

Apr 17, 2000

Appl. No.:

09/551365

Inventors:

Raymond Anthony Joao - Yonkers NY 10703

International Classification:

G08B 108

US Classification:

340539, 3404255, 340426, 340540, 307 102

Abstract:

Control apparatus and method including a first control device, located at the vehicle or premises, for monitoring or detecting an event, which generates and/or transmits a first notification signal containing event information to a second control device located remote from the vehicle or premises. The second control device generates and/or transmits a second notification signal to a remote communication device for providing notification of the event occurrence. Control apparatus and method including a first control device, located at a vehicle or premises, which generates and/or transmits a first signal for activating, deactivating, enabling, or disabling, a vehicle or a premises system, equipment system, subsystem, device, component, appliance, a vehicle, or a premises, in response to a signal generated and/or transmitted from a remote second control device. The second control device is responsive to a third signal generated and/or transmitted by a remote third control device.

US Patent:

6542077, Apr 1, 2003

Filed:

Aug 20, 2001

Appl. No.:

09/933105

Inventors:

Raymond Anthony Joao - Yonkers NY 10703

International Classification:

G08B 108

US Classification:

340539, 3404255, 340426, 340937

Abstract:

A monitoring apparatus for a vehicle or a premises, including a monitoring device for monitoring operation, system status, equipment system status, or activity, or a device for detecting a state of disrepair of a system or equipment system. The monitoring device or device is located at the vehicle or premises. The monitoring device or device transmits data to a first processing device located remote from the vehicle or premises. The data is received by the first processing device. The first processing device is capable of transmitting the data to a second processing device located remote from the vehicle or premises and remote from the first processing device. The second processing device is capable of receiving the data. The data can include operational data and video information, or information regarding a state of disrepair of the system or equipment system.

US Patent:

6549130, Apr 15, 2003

Filed:

Mar 29, 1999

Appl. No.:

09/277935

Inventors:

Raymond Anthony Joao - Yonkers NY 10703

International Classification:

G08B 108

US Classification:

340539, 3404255, 340428, 340540, 307 102

Abstract:

A control apparatus and method, including a first control device, located at a vehicle or premises, capable of at least one of activating, de-activating, disabling, and re-enabling, one or more of a plurality of at least one of a respective system, component, device, equipment, equipment system, and/or appliance, of a respective vehicle or premises, with a first signal. The first signal is generated by and/or transmitted from the first control device in response to a second signal, generated by and/or transmitted from a second control device located remote from the vehicle or premises, and automatically received by the first control device. The second control device is responsive to a third signal, generated by and/or transmitted from a third control device located remote from the vehicle or premises and remote from the second control device, and automatically received by the second control device.

US Patent:

6587046, Jul 1, 2003

Filed:

Oct 30, 2002

Appl. No.:

10/283644

Inventors:

Raymond Anthony Joao - Yonkers NY 10703

International Classification:

G08B 108

US Classification:

34053914, 34053925

Abstract:

A monitoring apparatus and method including a processing device for receiving video information recorded by a video recording device or a camera, wherein the video recording device or a camera is located at a vehicle or a premises and the processing device is located at a location remote from the vehicle or premises. The processing device receives a signal transmitted from a communication device located at a location remote from the processing device and remote from the vehicle or premises. The video information is transmitted from the processing device to the communication device in response the signal. The video information is transmitted to the communication device on or over at least one of the Internet and the World Wide Web.

US Patent:

6662194, Dec 9, 2003

Filed:

Jul 7, 2000

Appl. No.:

09/612528

Inventors:

Raymond Anthony Joao - Yonkers NY 10703

International Classification:

G06F 700

US Classification:

7071041, 707 3, 707 10, 707103 R, 705 1, 705 10, 705 11, 705 26

Abstract:

An apparatus and method for providing recruitment information, including a memory device for storing information regarding at least one of a job opening, a position, an assignment, a contract, and a project, and information regarding a job search request, a processing device for processing information regarding the job search request upon a detection of an occurrence of a searching event, wherein the processing device utilizes information regarding the at least one of a job opening, a position, an assignment, a contract, and a project, stored in the memory device, and further wherein the processing device generates a message containing information regarding at least one of a job opening, a position, an assignment, a contract, and a project, wherein the message is responsive to the job search request, and a transmitter for transmitting the message to a communication device associated with an individual in real-time.

US Patent:

6725201, Apr 20, 2004

Filed:

Nov 20, 2001

Appl. No.:

09/988445

Inventors:

Raymond Anthony Joao - Yonkers NY 10703

International Classification:

G06F 1760

US Classification:

705 4, 705 2, 705 3

Abstract:

An apparatus and method for processing lease insurance information, including a memory device for storing information for generating at least one of an insurance premium and an insurance policy for providing insurance for at least one of excess wear and tear for a leased entity and post warranty repairs for a leased entity, a processor for generating information concerning at least one of an insurance premium and an insurance policy for providing an insurance policy or an insurance product, and a device for displaying or outputting information concerning the insurance premium, the insurance policy, or the insurance product. The processor generates a fifth data set containing information regarding at least one of a liability, a potential liability, and a risk of loss, associated with the insurance policy or the insurance product.