What is claimed is:
1. A method of exposing and producing at least one path on one of a curved surface and an irregular surface, the method comprising:
aiming a beam of light to the surface;
providing relative movement between the beam of light and the surface, wherein the act of providing relative movement includes providing a robotic device in communication with a computer, and providing a laser on the robotic device for providing the beam of light; and
using the computer to control the robotic device to aim and move the beam of light at the surface to create and expose the path on the surface, wherein actuation of the robotic device allows the beam of light to strike any point on the surface.
2. The method of claim 1, further comprising laying conductive material on the path to form a conductive path after the step of using the beam of light to expose the path.
3. The method of claim 1 wherein the step of providing relative movement includes controlling the robotic device to move the beam of light in three degrees of motion.
4. The method of claim 1 wherein the step of providing relative movement comprises moving the surface.
5. The method of claim 1 wherein the step of exposing the path comprises using the beam of light for accomplishing one or more of the following along the path: cutting the surface, etching the surface, or burning the surface.
6. The method of claim 1, further including altering the strength of the beam of light.
7. The method of claim 1, further including applying a seed chemical to the surface before exposing the path.
8. A method of exposing and producing at least one path on one of a curved surface and an irregular surface, the method comprising:
aiming a beam of light to the surface;
providing relative movement between the beam of light and the surface, wherein the act of providing relative movement includes providing a triaxial light beam source in communication with a computer, the triaxial light beam source being capable of focusing a beam of light in three dimensions; and
using the computer to control the triaxial light beam source to move the beam of light at the surface to create and expose the path on the surface, wherein the control of the triaxial light beam source allows the beam of light to strike any point on the surface.
9. The method of claim 8, further comprising laying conductive material on the path to form a conductive path after the step of using the beam of light to expose the path.
10. The method of claim 8 wherein the step of providing relative movement comprises moving the surface.
11. The method of claim 8 wherein the step of exposing the path comprises using the beam of light for accomplishing one or more of the following along the path: cutting the surface, etching the surface, or burning the surface.
12. The method of claim 8, further including altering the strength of the beam of light.
13. The method of claim 8 wherein the step of providing the triaxial light beam source includes using a multiplanar photonic crystal slab.
14. An apparatus for exposing and producing at least one path on one of a curved surface and an irregular surface, comprising:
a robotic device;
a laser, attached to the robotic device, for generating a beam of light; and
a computer in communication with the robotic device, wherein the computer operates to control the robotic device to aim and move the beam of light at the surface to create and expose the path on the surface, wherein actuation of the robotic device allows the beam of light to strike any point on the surface.
15. The apparatus of claim 14, further including a motor for moving the surface.
16. The apparatus of claim 14 wherein the computer further operates to alter a strength of the beam of light.
17. An apparatus for exposing and producing at least one path on one of a curved surface and an irregular surface, comprising:
a triaxial light beam source capable of focusing a beam of light in three dimensions; and
a computer in communication with the triaxial light beam source, wherein the computer operates to control the triaxial light beam source to aim and move the beam of light at the surface to create and expose the path on the surface, wherein actuation of the triaxial light beam source allows the beam of light to strike any point on the surface.
18. The apparatus of claim 17, further including a motor for moving the surface.
19. The apparatus of claim 17 wherein the computer further operates to alter a strength of the beam of light.
20. The apparatus of claim 17 wherein the triaxial light beam source comprises a multiplanar photonic crystal slab.
The claims below are in addition to those above.
All refrences to claim(s) which appear below refer to the numbering after this setence.
1. A method of identifying and locating debt settlement candidates, the method comprising:
receiving a request for a debt score for a consumer;
accessing, from an electronic data store, credit data of the consumer;
calculating, with one or more hardware computer processors, a debt score based on at least the accessed credit data of the consumer, wherein the debt score is within a debt score range including at least two sub-ranges associated with corresponding debt services, wherein the debt score is usable to determine a likelihood of the consumer being eligible for each of multiple debt services; and
providing a requesting entity with the debt score andor the debt service associated with the sub-range of the calculated debt score.
2. The method of claim 1, wherein the debt services include a debt help service.
3. The method of claim 1, wherein the debt score services include bankruptcy approval.
4. The method of claim 1, wherein the debt score is calculated based on one or more attributes of the credit data that have been pre-selected by the requesting entity.
5. The method of claim 1, wherein the debt score is calculated based on two or more of:
a credit score rank,
a credit score,
a ratio of revolving credit to debt,
an amount of credit available,
a quantity of delinquent accounts,
a quantity of negative accounts,
an average age of tradelines in the credit data, or
a quantity of negative information in the credit data.
6. The method of claim 1, wherein the debt score is further calculated based on one or more of:
public record, debit, demographic, or psychographic information associated with the consumer.
7. The method of claim 5, wherein the credit score rank is a percentage based on a comparison of the consumer’s credit score with an average of a plurality of consumer credit scores.
8. The method of claim 1, wherein the debt score is usable to estimate an outcome of the debt service associated with the sub-range of the calculated debt.
9. The method of claim 1, wherein the calculated debt score is based on at least the accessed credit data of the consumer and a credit score ranking of the consumer, wherein the credit score ranking indicates a relationship between the credit score of the consumer and credit scores of a plurality of other consumers.