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    Consumer Lending Using A Money Transfer Network Systems And Methods
    1.
    发明申请
    Consumer Lending Using A Money Transfer Network Systems And Methods 审中-公开
    消费贷款使用汇款网络系统和方法

    公开(公告)号：US20090192934A1

    公开(公告)日：2009-07-30

    申请号：US12058973

    申请日：2008-03-31

    Applicant: Lau Kam Chu ,  Cheung Pik Wa ,  Yung Miu Chu ,  Stuart Davis

    Inventor： Lau Kam Chu ,  Cheung Pik Wa ,  Yung Miu Chu ,  Stuart Davis

    IPC: G06Q40/00

    CPC classification number: G06Q40/02 ,  G06Q20/10 ,  G06Q40/025

    Abstract: A method of lending money includes receiving a loan application from a consumer. The consumer is a prior customer of a money transfer service provider. The method also includes using information indicative of the consumer's prior usage of services provided by or through the money transfer service provider to approve the loan application. The method further includes using a money transfer network to provide loan proceeds to the consumer or a designee of the consumer and/or transfer loan payments associated with the loan application. In some embodiments using information indicative of the consumer's prior usage of services provided by or through the money transfer service provider to approve the loan application includes approving the loan in the absence of a credit report on the consumer. The method also my include using the consumer's usage history of pre-paid accounts serviced by the money transfer service provider to approve the loan application.

    Abstract translation: 贷款的方法包括从消费者那里收到贷款申请。 消费者是汇款服务提供商的先前客户。 该方法还包括使用指示消费者事先使用或通过汇款服务提供商提供的服务的信息来批准贷款申请。 该方法还包括使用汇款网络向消费者或消费者的指定人提供贷款收益和/或与贷款申请相关联的转移贷款支付。 在一些实施例中，使用指示消费者事先使用或通过汇款服务提供商批准贷款申请的服务的信息包括在没有消费者的信用报告的情况下批准贷款。 该方法还包括使用消费者的使用历史记录，由汇款服务提供商提供的预付款账户批准贷款申请。

    Wafer alkaline cell
    3.
    发明申请
    Wafer alkaline cell 有权
    晶圆碱性电池

    公开(公告)号：US20050214648A1

    公开(公告)日：2005-09-29

    申请号：US11130670

    申请日：2005-05-17

    Applicant: Jonathan Boulton ,  Stuart Davis ,  Charles O'Brien ,  Thomas Richards

    Inventor： Jonathan Boulton ,  Stuart Davis ,  Charles O'Brien ,  Thomas Richards

    IPC: H01M2/02 ,  H01M2/08 ,  H01M2/16 ,  H01M4/02 ,  H01M4/50 ,  H01M4/66 ,  H01M6/12

    CPC classification number: H01M10/287 ,  H01M2/0257 ,  H01M2/0277 ,  H01M2/0287 ,  H01M2/08 ,  H01M4/50 ,  H01M4/66 ,  H01M4/661 ,  H01M4/662 ,  H01M4/667 ,  H01M4/668 ,  H01M4/669 ,  H01M4/70 ,  H01M4/74 ,  H01M4/742 ,  H01M6/12 ,  H01M6/40 ,  H01M10/0436 ,  H01M2004/021

    Abstract: A wafer alkaline cell of a laminar structure is disclosed. The cell has a pair of opposing sides comprising at least the majority of the boundary surface of said cell and defining a short cell dimension therebetween. The cell comprises an anode assembly and a cathode assembly bonded together to form a laminate structure. The cell comprises preferably two separate plastic frames housing the anode and cathode material. The anode current collector may be precoated with a sealing metal forming an alkaline resistant metal oxide film to improve bonding to the frame. The anode assembly has an anode material therein typically comprising zinc and the cathode assembly has a cathode material therein typically comprising manganese dioxide. The cell is durable and preferably rigid, has elongated leak block paths, and resists electrolyte leakage.

    Abstract translation: 公开了一种层状结构的晶片碱性电池。 电池具有至少包括所述电池的边界表面的大部分并且在它们之间限定短电池尺寸的一对相对侧。 电池包括阳极组件和结合在一起以形成层压结构的阴极组件。 电池优选地包括容纳阳极和阴极材料的两个分离的塑料框架。 阳极集电器可以用形成耐碱金属氧化物膜的密封金属预涂以改善与框架的粘合。 阳极组件具有其中通常包含锌的阳极材料，阴极组件具有其中通常包含二氧化锰的阴极材料。 电池是耐用的，优选刚性的，具有细长的泄漏块路径，并且抵抗电解液泄漏。

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