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    Evaluating Loan Access Using Online Business Transaction Data
    1.
    发明申请
    Evaluating Loan Access Using Online Business Transaction Data 审中-公开
    使用在线业务交易数据评估贷款访问

    公开(公告)号：US20110166987A1

    公开(公告)日：2011-07-07

    申请号：US12668080

    申请日：2009-09-28

    申请人： Xiaoming Hu ,  Feng Li ,  Xin Yu Peng ,  Jing Gao ,  Wei Yan Lu ,  Zhengwei Zhang ,  Jinyin Zhang ,  Jian Shi ,  Guo dong Fan

    发明人： Xiaoming Hu ,  Feng Li ,  Xin Yu Peng ,  Jing Gao ,  Wei Yan Lu ,  Zhengwei Zhang ,  Jinyin Zhang ,  Jian Shi ,  Guo dong Fan

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/025

    摘要： A method and a loan access evaluation system use a loan applicant's actual business transaction information received from an online business system on which the loan applicant conducts business. In addition to the information of the loan applicant's owner, other general background business information and historical business information of the loan applicant, the method and the system obtain detailed transaction data of the loan applicant on e-commerce systems or platforms and banks, and thus have access to dynamic business data of the applicant for a more reliable loan access appraisal.

    摘要翻译： 一种方法和贷款访问评估系统使用贷款申请人从贷款申请人开展业务的在线业务系统收到的实际业务交易信息。 除贷款申请人所有者的信息外，贷款申请人的其他一般背景业务信息和历史业务信息，方法和系统还可以获得贷款申请人在电子商务系统或平台和银行上的详细交易数据，因此 可以访问申请人的动态业务数据，以获得更可靠的贷款访问评估。

    Method and system for processing online joint guarantee
    2.
    发明授权
    Method and system for processing online joint guarantee 有权
    在线联合保证处理方法和系统

    公开(公告)号：US08924456B2

    公开(公告)日：2014-12-30

    申请号：US12298247

    申请日：2008-10-22

    申请人： Xiaoming Hu ,  Jing Gao ,  Feng Li ,  Jinbo Xia ,  Yanmin Xu ,  Weiyan Lv ,  Lijiang Zhang ,  Zhengwei Zhang

    发明人： Xiaoming Hu ,  Jing Gao ,  Feng Li ,  Jinbo Xia ,  Yanmin Xu ,  Weiyan Lv ,  Lijiang Zhang ,  Zhengwei Zhang

    IPC分类号： G06F15/16 ,  G06Q40/02

    CPC分类号： G06Q40/02

    摘要： A method and a system are disclosed for processing online joint guarantee. After a server receives an application from a user, the server provides various types of joint guarantee grouping to the user for selection. The server creates a joint guarantee group having a unique ID according to the selection of the user, organizes the information of the joint guarantee group into a data packet and sends the data packet to a bank system to be approved. The method potentially improves the success rate of joint guarantee grouping and removes the geographical limitations. Through the Internet, the method makes it possible to join companies of different geographical locations for online joint guarantee. The method also establishes a complete online alert mechanism, and realizes computerized loan risk control to improve the business credit system.

    摘要翻译： 公开了一种处理在线联合保证的方法和系统。 在服务器从用户接收到应用程序之后，服务器提供各种类型的联合保证分组给用户进行选择。 服务器根据用户的选择创建具有唯一ID的联合保证组，将联合保证组的信息组织成数据包，并将数据包发送到要批准的银行系统。 该方法有可能提高联合保证分组的成功率，并消除地理限制。 通过互联网，该方法可以加入不同地理位置的公司进行在线联合保证。 该方法还建立了完整的在线警报机制，实现了电脑化贷款风险控制，改善了企业信用体系。

    Credit Risk Control
    3.
    发明申请
    Credit Risk Control 审中-公开
    信用风险控制

    公开(公告)号：US20120030091A1

    公开(公告)日：2012-02-02

    申请号：US12600978

    申请日：2009-08-19

    申请人： Xiaoming Hu ,  Jing Gao ,  Feng Li ,  Weiyan Lv ,  Xiuyun Zhang ,  Zhengwei Zhang

    发明人： Xiaoming Hu ,  Jing Gao ,  Feng Li ,  Weiyan Lv ,  Xiuyun Zhang ,  Zhengwei Zhang

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/08 ,  G06Q40/02 ,  G06Q40/025

    摘要： A method and a system of credit risk control use different incentive mechanisms for different type of users for post-loan credit risk control. The method classifies the user to one of several different user types based on the user information and a correspondence relationship between the user information and risk levels, and selects an appropriate incentive mechanism for risk control based on the user type. The incentive mechanisms may either be a positive incentive mechanism or a negative incentive mechanism depending on the user type. The incentive mechanisms are performed over a network, and are designed to encourage a user of good loan payment record but to discourage a user of bad loan payment record. The method and the system are particularly suited for risk control of repayment of various kinds of loans which are applied and disbursed over the Internet.

    摘要翻译： 信用风险控制的方法和制度对不同类型的用户使用不同的激励机制进行贷后信贷风险控制。 该方法基于用户信息和用户信息与风险级别之间的对应关系将用户分类为多种不同用户类型之一，并根据用户类型选择适当的风险控制激励机制。 激励机制可以是积极的激励机制，也可以是根据用户类型的否定激励机制。 激励机制是通过网络进行的，旨在鼓励用户获得良好的贷款支付记录，但是阻止用户不良贷款支付记录。 该方法和系统特别适用于偿付通过互联网应用和支付的各种贷款的风险控制。

    Oven
    4.
    外观设计
    Oven 有权

    公开(公告)号：USD1044380S1

    公开(公告)日：2024-10-01

    申请号：US29794926

    申请日：2021-06-16

    申请人： Aiming Hou ,  Zhihui Zhang ,  Gaixue Wang ,  Jing Gao

    设计人： Aiming Hou ,  Zhihui Zhang ,  Gaixue Wang ,  Jing Gao

    摘要： FIG. 1 is a perspective view of the oven, showing my new design, shown with the lid in open condition;
    FIG. 2 is a perspective view thereof;
    FIG. 3 is a front elevational view thereof;
    FIG. 4 is a rear elevational view thereof;
    FIG. 5 is a left side elevational view thereof;
    FIG. 6 is a right side elevational view thereof;
    FIG. 7 is a top plan view thereof;
    FIG. 8 is a bottom plan view thereof;
    FIG. 9 is a partially enlarged view thereof, taken from FIG. 1; and,
    FIG. 10 is a partially enlarged view thereof, taken from FIG. 2.
    The broken lines shown portions of the Oven that form no part of the claimed design.

    Identifying inconsistencies in object similarities from multiple information sources
    5.
    发明授权
    Identifying inconsistencies in object similarities from multiple information sources 有权
    识别来自多个信息源的对象相似性的不一致

    公开(公告)号：US08572107B2

    公开(公告)日：2013-10-29

    申请号：US13316178

    申请日：2011-12-09

    申请人： Wei Fan ,  Jing Gao ,  Srinivasan Parthasarathy ,  Deepak Turaga

    发明人： Wei Fan ,  Jing Gao ,  Srinivasan Parthasarathy ,  Deepak Turaga

    IPC分类号： G06F17/30

    CPC分类号： G06F17/30598 ,  G11B27/32

    摘要： A horizontal anomaly detection method includes receiving at plurality of objects described in a plurality of information sources, wherein each individual information source captures a plurality of similarity relationships between the objects, combining the information sources to determine a similarity matrix whose entries represent quantitative scores of similarity between pairs of the objects, and identifying at least one horizontal anomaly of the objects within the similarity matrix, wherein the horizontal anomalies are anomalous relationships across the plurality of information sources.

    摘要翻译： 水平异常检测方法包括在多个信息源中描述的多个对象处接收，其中每个单独的信息源捕获对象之间的多个相似关系，组合信息源以确定其条目表示相似度的定量分数的相似性矩阵 在所述对象之间，并且识别所述相似性矩阵内的对象的至少一个水平异常，其中所述水平异常是所述多个信息源之间的异常关系。

    Method of reducing eddy currents caused by a gradient magnetic field in a magnetic resonance system
    8.
    发明授权
    Method of reducing eddy currents caused by a gradient magnetic field in a magnetic resonance system 失效
    降低由磁共振系统中的梯度磁场引起的涡流的方法

    公开(公告)号：US07633292B2

    公开(公告)日：2009-12-15

    申请号：US12039099

    申请日：2008-02-28

    申请人： Jing Gao ,  Cheng Ni ,  Zhong You Ren ,  Chao Wang

    发明人： Jing Gao ,  Cheng Ni ,  Zhong You Ren ,  Chao Wang

    IPC分类号： G01V3/00

    CPC分类号： G01R33/3806 ,  G01R33/385 ,  G01R33/389

    摘要： A method for reducing eddy currents caused by the gradient magnetic field in a magnetic resonance system employs an anti-eddy current device formed by a number of laminated metallic plates, and includes the steps of calculating the distribution of the main magnetic field of the magnetic resonance system in the anti-eddy current device, calculating the distribution of the main magnetic field and the gradient magnetic field in the anti-eddy current device, subtracting the calculated distribution of the main magnetic field in the anti-eddy current device from the calculated distribution of the main magnetic field and the gradient magnetic field in the anti-eddy current device, to obtain the distribution of the gradient magnetic field in the anti-eddy current device, and adjusting the setting of the metallic plates of the anti-eddy current device based on the distribution of the gradient magnetic field in the anti-eddy current device, so as to reduce the eddy current. The adjustment in the metallic plates of the anti-eddy current device should be such that the gradient magnetic field is parallel to or substantially parallel to the plane of the metallic plates. The metallic plates can be further divided into a number of areas, or the laminating direction of the metallic plates in different areas can be adjusted according to the specific distribution of the gradient magnetic field to obtain the optimum effect of eddy current reduction.

    摘要翻译： 一种用于减小由磁共振系统中的梯度磁场引起的涡流的方法采用由多个层叠的金属板形成的抗涡流装置，并且包括以下步骤：计算磁共振的主磁场分布 系统在反涡流装置中计算反涡流装置中主磁场和梯度磁场的分布，从计算出的分布中减去计算出的反涡流装置中主磁场的分布 的反涡流装置中的主磁场和梯度磁场，以获得反涡流装置中梯度磁场的分布，并且调整反涡流装置的金属板的设置 基于反涡流装置中梯度磁场的分布，以减少涡流。 防涡流装置的金属板的调整应使得梯度磁场平行于或基本平行于金属板的平面。 金属板可以进一步分为多个区域，也可以根据梯度磁场的特定分布调整不同区域的金属板的层叠方向，以获得涡流减少的最佳效果。