Author: claimsbot

1. A computer implemented method regarding a consumer’s credit, comprising:
(a) obtaining a credit report regarding a consumer from one or more credit bureaus; wherein a computerized system provider executed by a computing system that maintains a database regarding consumer credit information obtains the credit report;
(b) presenting the credit report to the consumer with suggestions to improve consumer credit; wherein the credit report is presented within a user interface displayed on display device and the computerized system provider executed by the computing system provides the suggestions; and wherein the user interface provides the consumer with a first option to initiate an offer of compromise, a second option for disputing an entry in the credit report directly with a creditor and a third option for declaring identity theft and electronically notifying one or more entities of consumer’s identity theft;
(c) based on a credit report entry, initiating an offer of compromise from the consumer to a creditor to settle a debt; wherein the consumer initiates the offer of compromise electronically by selecting the first option from the user interface;
(d) submitting the offer of compromise to the creditor; wherein the computerized system provider executed by the computing system electronically submits the offer of compromise directly to the creditor;
(e) upon acceptance of the electronically submitted offer of compromise by the creditor, transferring a payment directly to the creditor to settle the debt; wherein the computerized system provider executed by the computing system transfers the payment to the creditor;
(f) notifying one or more credit bureaus regarding the debt settlement in step (e);
wherein the computerized system provider executed by the computing system notifies the one or more credit bureaus;
(g) selecting the second option to dispute an entry in the credit report directly with the creditor; wherein before the entry is disputed with the creditor, the computerized system provider executed by the computing system reviews historical data regarding the consumer to verify if the consumer has disputed entries with the creditor or other creditors; and wherein the entry is not disputed and the consumer is notified if historical disputes by the consumer were held to be without merit; and the entry is disputed with the creditor when historical disputes by the consumer were valid;
(h) selecting the third option from the user interface to declare identity theft;
wherein the computerized system provider executed by the computing system notifies one or more credit bureaus to block consumer credit accounts for a certain duration after identify theft is declared; and wherein the computerized system provider executed by the computing system notifies one or more entities of the identity theft.
2. The method of claim 1, wherein the notified entity is a government entity.
3. The method of claim 1, wherein the notified entity is a non-government entity.
4. The method of claim 1, wherein the offer of compromise includes an interest rate reduction.
5. A computer readable medium containing executable program instructions for a computer implemented method regarding a consumer’s credit, comprising:
(a) instructions for obtaining a credit report regarding a consumer from one or more credit bureaus; wherein a computerized system provider executed by a computing system that maintains a database regarding consumer credit information obtains the credit report;
(b) instructions for presenting the credit report to the consumer with suggestions to improve consumer credit; wherein the credit report is presented within a user interface displayed on display device and the computerized system provider executed by the computing system provides the suggestions; and wherein the user interface provides the consumer with a first option to initiate an offer of compromise, a second option for disputing an entry in the credit report directly with a creditor and a third option for declaring identity theft and electronically notifying one or more entities of consumer’s identity theft;
(c) instructions for initiating an offer of compromise from the consumer to a creditor to settle a debt, based on a credit report entry; wherein the consumer initiates the offer of compromise electronically by selecting the first option from the user interface;
(d) instructions for submitting the offer of compromise to the creditor; wherein the computerized system provider executed by the computing system electronically submits the offer of compromise directly to the creditor;
(e) instructions for transferring a payment directly to the creditor to settle the debt, upon acceptance of the electronically submitted offer of compromise by the creditor; wherein the computerized system provider executed by the computing system transfers the payment to the creditor;
(f) instructions for notifying one or more credit bureaus regarding the debt settlement in step (e); wherein the computerized system provider executed by the computing system notifies the one or more credit bureaus;
(g) instructions for selecting the second option to dispute an entry in the credit report directly with the creditor; wherein before the entry is disputed with the creditor, the computerized system provider executed by the computing system reviews historical data regarding the consumer to verify if the consumer has disputed entries with the creditor or other creditors; and wherein the entry is not disputed and the consumer is notified if historical disputes by the consumer were held to be without merit; and the entry is disputed with the creditor when historical disputes by the consumer were valid; and
(h) instructions for selecting the third option from the user interface to declare identity theft; wherein the computerized system provider executed by the computing system notifies one or more credit bureaus to block consumer credit accounts for a certain duration after identify theft is declared; and wherein the computerized system provider executed by the computing system notifies one or more entities of the identity theft.
6. The storage medium of claim 5, wherein the notified entity is a government entity.
7. The storage medium of claim 5, wherein the notified entity is a non-government entity.
8. The storage medium of claim 5, wherein the offer of compromise includes an interest rate reduction.
9. A computer program product, comprising:
a non-transitory computer usable storage medium having computer readable code embodied therein for a computer implemented method regarding a consumer’s credit; said computer readable code includes:
(a) code for obtaining a credit report regarding a consumer from one or more credit bureaus; wherein a computerized system provider executed by a computing system that maintains a database regarding consumer credit information obtains the credit report;
(b) code for presenting the credit report to the consumer with suggestions to improve consumer credit; wherein the credit report is presented within a user interface displayed on display device and the computerized system provider executed by the computing system provides the suggestions; and wherein the user interface provides the consumer with a first option to initiate an offer of compromise, a second option for disputing an entry in the credit report directly with a creditor and a third option for declaring identity theft and electronically notifying one or more entities of consumer’s identity theft;
(c) code for initiating an offer of compromise from the consumer to a creditor to settle a debt, based on a credit report entry; wherein the consumer initiates the offer of compromise electronically by selecting the first option from the user interface;
(d) code for submitting the offer of compromise to the creditor; wherein the computerized system provider executed by the computing system electronically submits the offer of compromise directly to the creditor;
(e) code for transferring a payment directly to the creditor to settle the debt, upon acceptance of the electronically submitted offer of compromise by the creditor; wherein the computerized system provider executed by the computing system transfers the payment to the creditor;
(f) code for notifying one or more credit bureaus regarding the debt settlement in step (e); wherein the computerized system provider executed by the computing system notifies the one or more credit bureaus;
(g) code for selecting the second option to dispute an entry in the credit report directly with the creditor; wherein before the entry is disputed with the creditor, the computerized system provider executed by the computing system reviews historical data regarding the consumer to verify if the consumer has disputed entries with the creditor or other creditors; and wherein the entry is not disputed and the consumer is notified if historical disputes by the consumer were held to be without merit; and the entry is disputed with the creditor when historical disputes by the consumer were valid; and
(h) code for selecting the third option from the user interface to declare identity theft; wherein the computerized system provider executed by the computing system notifies one or more credit bureaus to block consumer credit accounts for a certain duration after identify theft is declared; and wherein the computerized system provider executed by the computing system notifies one or more entities of the identity theft.
10. The computer program product of claim 9, wherein the notified entity is a government entity.
11. The computer program product of claim 9, wherein the notified entity is a non-government entity.
12. The computer program product of claim 9, wherein the offer of compromise includes an interest rate reduction.

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 for washing a solid substrate on which a hybridization reaction has been completed using ultrasonic wave, including 1) placing the solid substrate in a container having a washing solution; 2) generating certain strength of ultrasound with an ultrasonic wave generator and transmitting the ultrasound into the washing solution, wherein the washing of the solid substrate is facilitated by cavitation effect in the washing solution produced by the ultrasound.
2. The method of claim 1, wherein the power of the ultrasonic wave generator is in a range of about 0.1 W to about 200 W.
3. The method of claim 1, wherein the ultrasonic wave frequency generated by the ultrasonic wave generator is in a range of about 20 kHz to about 100 MHz.
4. The method of claim 1, wherein the mode of generating ultrasonic wave by the ultrasonic wave generator is continuous or intermittent.
5. A device for washing a hybridized solid substrate according to the method of claim 1, comprising a container having a washing solution and a hybridized solid substrate placed in the solution, wherein at least one ultrasonic resonance component is placed upon, below, or around the hybridized solid substrate, and wherein the ultrasonic resonance component is connected with a resonance circuit.
6. The device of claim 6, wherein the resonance component is in direct or indirect contact with the washing solution.

1.-20. (canceled)
21. A method, comprising:
recording analog signals exchanged between a telephone device and a Voice-over Internet Protocol (\u201cVoIP\u201d) terminal adapter;
capturing packets exchanged between the VoIP terminal adapter and an Internet Protocol (\u201cIP\u201d) network;
determining analog time values corresponding to analog characteristics of the analog signals;
determining digital time values corresponding to digital characteristics of the packets, wherein the digital characteristics include a Session Initiation Protocol (\u201cSIP\u201d) invite packet;
determining a common reference time for the analog time values and digital time values; and
determining a processing delay based on a difference between an analog time difference and a digital time difference.
22. The method of claim 21, wherein the analog time difference is determined based on T3\u2212T1, wherein T1 is a first analog time value of a first analog characteristic corresponding to when a final digit is dialed from the telephone device and T3 is a second analog time value of a second analog characteristic corresponding to when a speech signal starts.
23. The method of claim 21, wherein the digital time difference is determined based on S3\u2212S 1, wherein S1 is a first digital time value of a first digital characteristic corresponding to when the SIP invite packet was sent and S3 is a second digital time value of a second digital characteristic corresponding to when a speech signal starts.
24. The method of claim 21, wherein the analog characteristics include one of a final Dual Tone Multi-Frequency digit of a dialed telephone number, a start of a ringing and a start of a transmitted signal.
25. The method of claim 21, wherein the digital characteristics further include a start of a ringing and a start of a transmitted signal.
26. The method of claim 21, wherein the processing delay is determined by adding a processing time of the VoIP terminal adapter to convert an analog signal into a digital signal to the difference between the analog time difference and the digital time difference.
27. The method of claim 21, wherein the processing delay is a processing time of the VoIP terminal adapter to create the SIP invite packet.
28. The method of claim 21, wherein the processing delay is a processing time of the VoIP terminal adapter to convert a packet into an analog signal.
29. The method of claim 21, further comprising:
stopping the recording and capturing after a speech signal has been transmitted from the telephone device to the VoIP terminal adapter.
30. The method of claim 21, further comprising:
storing at least one of the analog signals and the packets in a memory.
31. A system, comprising:
a recording device recording analog signals exchanged between a telephone device and a Voice-over Internet Protocol (\u201cVoIP\u201d) terminal adapter;
a packet trace device capturing packets transmitted between the VoIP terminal adapter and an Internet Protocol (\u201cIP\u201d) network; and
a processor determining analog time values corresponding to analog characteristics of the analog signals, determining digital time values corresponding to digital characteristics of the packets, wherein the digital characteristics include a Session Initiation Protocol (\u201cSIP\u201d) invite packet, determining a common reference time for the analog time values and digital time values and determining a processing delay based on a difference between an analog time difference and a digital time difference.
32. The system of claim 31, wherein the analog time difference is determined based on T3\u2212T1, wherein T1 is a first analog time value of a first analog characteristic corresponding to when a final digit is dialed from the telephone device and T3 is a second analog time value of a second analog characteristic corresponding to when a speech signal starts.
33. The system of claim 31, wherein the digital time difference is determined based on S3\u2212S1, wherein S1 is a first digital time value of a first digital characteristic corresponding to when the SIP invite packet was sent and S3 is a second digital time value of a second digital characteristic corresponding to when a speech signal starts.
34. The system of claim 31, wherein the analog characteristics include one of a final Dual Tone Multi-Frequency digit of a dialed telephone number, a start of a ringing and a start of a transmitted signal.
35. The system of claim 31, wherein the digital characteristics further include a start of a ringing and a start of a transmitted signal.
36. The system of claim 31, wherein the processing delay is determined by adding a processing time of the VoIP terminal adapter to convert an analog signal into a digital signal to the difference between the analog time difference and the digital time difference.
37. The system of claim 31, wherein the processing delay is a processing time of the VoIP terminal adapter to create a SIP invite packet.
38. The system of claim 31, wherein the processing delay is a processing time of the VoIP terminal adapter to convert a packet into an analog signal.
39. A non-transitory computer-readable storage medium including a set of instructions executable by a processor, the set of instructions, when executed by the processor, causing the processor to perform operations comprising:
recording analog signals exchanged between a telephone device and a Voice-over Internet Protocol (\u201cVoIP\u201d) terminal adapter;
capturing packets exchanged between the VoIP terminal adapter and an Internet Protocl (\u201cIP\u201d) network;
determining analog time values corresponding to analog characteristics of the analog signals;
determining digital time values corresponding to digital characteristics of the packets, wherein the digital characteristics include a Session Initiation Protocol (\u201cSIP\u201d) invite;
determining a common reference time for the analog time values and digital time values; and
determining a processing time of the VoIP terminal adapter to create a SIP invite packet based on a difference between an analog time difference and a digital time difference.
40. The non-transitory computer-readable storage medium of claim 39, wherein the analog time difference is determined based on T3\u2212T1, wherein T1 is a first analog time value of a first analog characteristic corresponding to when a final digit is dialed from the telephone device and T3 is a second analog time value of a second analog characteristic corresponding to when a speech signal starts, and wherein the digital time difference is determined based on S3\u2212S1, wherein S1 is a first digital time value of a first digital characteristic corresponding to when the SIP invite packet was sent and S3 is a second digital time value of a second digital characteristic corresponding to when the speech signal starts.

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 combination indoor and outdoor slide apparatus usable at least on each of a hard surface and a carpeted surface, said combination indoor and outdoor slide apparatus comprising:
(a) at least one flexible member having each of an upper surface and a radially opposed bottom surface engageable with one of a hard surface and a carpeted surface, a first predetermined thickness, a first predetermined coefficient of friction at least extending up from said bottom surface for a predetermined depth and which is at least sufficiently low to permit movement of said apparatus over a predetermined surface when a load of up to about 300 pounds is disposed thereon, said at least one flexible member being formed into a first predetermined shape, said first predetermined shape at least being devoid of any sharp edges which could be caught at least one of in and on such carpeted surface and which would have an adverse impact on movement of said apparatus over such carpeted surface; and
(b) a moving and positioning means engageable with a predetermined portion of said at least one flexible member for enabling moving and positioning said apparatus as required for an intended use, at least a portion of said moving and positioning means is attached to said predetermined portion of said at least one flexible member.
2. A combination indoor and outdoor slide apparatus, according to claim 1, wherein said apparatus further includes at least one resilient member having a second predetermined thickness, an upper surface, a bottom surface, a second predetermined coefficient of friction and a second predetermined shape, said bottom surface of said at least one resilient member disposed on and adhered to at least a portion of said upper surface of said at least one flexible member.
3. A combination indoor and outdoor slide apparatus, according to claim 2, wherein said second predetermined thickness is greater than said first predetermined thickness.
4. A combination indoor and outdoor slide apparatus, according to claim 2, wherein said second predetermined coefficient of friction is at least sufficiently high enough for at least a predetermined depth from said upper surface of said at least one resilient member which will enable said apparatus to be moved over a supporting surface due to friction between a back of a person laying on said apparatus and said upper surface of said resilient material thereby serving as said moving and positioning means engageable with said predetermined portion of said at least one flexible member for enabling moving and positioning said apparatus as required for an intended use.
5. A combination indoor and outdoor slide apparatus, according to claim 2, wherein said second predetermined shape is generally rectangular and includes an arcuate portion disposed at least at a front edge thereof.
6. A combination indoor and outdoor slide apparatus, according to claim 1, wherein said predetermined shape of said at least one flexible member is generally rectangular and includes an arcuate portion disposed at least at a front edge thereof.
7. A combination indoor and outdoor slide apparatus, according to claim 6, wherein said at least one flexible member further includes at least one upturned edge portion disposed adjacent at least said front thereof.
8. A combination indoor and outdoor slide apparatus, according to claim 7, wherein said at least one flexible member further includes an upturned edge portion disposed adjacent at least two radially opposed sides thereof.
9. A combination indoor and outdoor slide apparatus, according to claim 1, wherein said moving and positioning means engageable with said predetermined portion of said at least one flexible member includes at least one aperture formed through said at least one flexible member, said at least one aperture having a grommet secured therein, said grommet being engageable with a means for pulling said apparatus.
10. A combination indoor and outdoor slide apparatus, according to claim 9, wherein said means for pulling said apparatus includes a rope.
11. A combination indoor and outdoor slide apparatus, according to claim 1, wherein said moving and positioning means engageable with a predetermined portion of said at least one flexible member includes at least one handle member one of secured to said upper surface of said at least one flexible member and formed as an aperture through said at least one flexible member closely adjacent an edge thereof.
12. A combination indoor and outdoor slide apparatus, according to claim 11, wherein said moving and positioning means engageable with said predetermined portion of said at least one flexible member includes a pair of handle members at least one of secured to said upper surface of said at least one flexible member and formed as an aperture through said at least one flexible member closely adjacent radially opposed edges thereof.
13. A combination indoor and outdoor slide apparatus, according to claim 1, wherein said apparatus will be used as a creeper and said apparatus further includes a head rest engageable with said upper surface of said at least one flexible member.
14. A combination indoor and outdoor slide apparatus, according to claim 1, wherein said apparatus further includes at least one side wall engageable with an edge of said at least one flexible member.
15. A combination indoor and outdoor slide apparatus, according to claim 14, wherein said apparatus further includes a pair of side walls engageable with radially opposed side edges of said at least one flexible member and at least one end wall engageable with an end edge of said at least one flexible member.
16. A combination indoor and outdoor slide apparatus, according to claim 15, wherein said pair of side walls and said at least one end wall are removable.
17. A combination indoor and outdoor slide apparatus, according to claim 16, wherein said pair of side walls and said at least one end wall are formed from a substantially rigid material.
18. A combination indoor and outdoor slide apparatus, according to claim 1, wherein said at least one flexible member is chemically resistant.
19. A combination indoor and outdoor slide apparatus, according to claim 1, wherein said at least one flexible member further includes a second flexible member disposed on said radially opposed bottom surface of said at least one flexible member, said second flexible member engageable with one of a hard surface and a carpeted surface, said second flexible member having a third predetermined coefficient of friction which is at least sufficiently low to permit movement of said apparatus over a predetermined surface when a load of up to about 300 pounds is disposed thereon.
20. A combination indoor and outdoor slide apparatus, according to claim 19, wherein said second flexible member is attached to said apparatus by one of a snap fit and a friction fit.
21. A combination indoor and outdoor slide apparatus, according to claim 19, wherein said apparatus further includes an infant car seat.