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。

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。

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。

公开(公告)号：US06806202B2

公开(公告)日：2004-10-19

申请号：US10309500

申请日：2002-12-03

申请人： Xiaoming Hu ,  James B. Craigo ,  Ravindranath Droopad ,  John L. Edwards, Jr. ,  Yong Liang ,  Yi Wei ,  Zhiyi Yu

发明人： Xiaoming Hu ,  James B. Craigo ,  Ravindranath Droopad ,  John L. Edwards, Jr. ,  Yong Liang ,  Yi Wei ,  Zhiyi Yu

IPC分类号： H01L21461

CPC分类号： H01L21/02046

摘要： A method for removing silicon oxide from a surface of a substrate is disclosed. The method includes depositing material onto the silicon oxide (110) and heating the substrate surface to a sufficient temperature to form volatile compounds including the silicon oxide and the deposited material (120). The method also includes heating the surface to a sufficient temperature to remove any remaining deposited material (130).

公开(公告)号：US08626596B2

公开(公告)日：2014-01-07

申请号：US12670057

申请日：2009-08-20

申请人： Xiaoming Hu ,  Jun Li Du ,  Xingjun Ni ,  Xiaoning Qi ,  Feng Yu ,  Liang Zhang ,  Shi Yu Zhu

发明人： Xiaoming Hu ,  Jun Li Du ,  Xingjun Ni ,  Xiaoning Qi ,  Feng Yu ,  Liang Zhang ,  Shi Yu Zhu

IPC分类号： G06Q30/00

CPC分类号： G06Q20/12 ,  G06Q10/08 ,  G06Q20/02 ,  G06Q20/0855 ,  G06Q30/0619 ,  G06Q30/0641

摘要： The disclosed online transaction method and system uses payment platform acting as an intermediary agent between the merchant and the shipping company to handle the payment. While the payment platform receives payment from the shipping company, the merchant receives payment from the payment platform. The method and system do not require buyers to use the payment method provided by an intermediary transaction platform to make a payment. Instead, the buyer may pay directly to the shipping company. Unlike conventional transaction method based on COD, however, the disclosed online transaction method and system centrally manage a logistics platform or multiple logistics operations run by logistics companies. The merchant does not receive the payment from the logistics company, but rather receive the payment from a centralized payment platform to ensure secure and fast payment.

摘要翻译： 所披露的在线交易方式和系统使用作为商人和船公司之间的中间代理人的付款平台来处理付款。 当支付平台从运输公司收到付款时，商家从付款平台接收付款。 该方法和系统不要求买方使用由中介交易平台提供的支付方式进行支付。 相反，买方可以直接向船公司支付。 然而，与传统的基于COD的交易方法不同，公开的在线交易方式和系统集中管理物流公司运营的物流平台或多个物流运营。 商家没有从物流公司收到付款，而是从集中支付平台收到付款，以确保安全快速的付款。

公开(公告)号：US20100287068A1

公开(公告)日：2010-11-11

申请号：US12670057

申请日：2009-08-20

申请人： Xiaoming Hu ,  Jun Li Du ,  Xingjun Ni ,  Xiaoning Qi ,  Feng Yu ,  Liang Zhang ,  Shi Yu Zhu

发明人： Xiaoming Hu ,  Jun Li Du ,  Xingjun Ni ,  Xiaoning Qi ,  Feng Yu ,  Liang Zhang ,  Shi Yu Zhu

IPC分类号： G06Q30/00 ,  G06Q20/00

CPC分类号： G06Q20/12 ,  G06Q10/08 ,  G06Q20/02 ,  G06Q20/0855 ,  G06Q30/0619 ,  G06Q30/0641

摘要： The disclosed online transaction method and system uses payment platform acting as an intermediary agent between the merchant and the shipping company to handle the payment. While the payment platform receives payment from the shipping company, the merchant receives payment from the payment platform. The method and system do not require buyers to use the payment method provided by an intermediary transaction platform to make a payment. Instead, the buyer may pay directly to the shipping company. Unlike conventional transaction method based on COD, however, the disclosed online transaction method and system centrally manage a logistics platform or multiple logistics operations run by logistics companies. The merchant does not receive the payment from the logistics company, but rather receive the payment from a centralized payment platform to ensure secure and fast payment.

摘要翻译： 所披露的在线交易方式和系统使用作为商人和船公司之间的中间代理人的付款平台来处理付款。 当支付平台从运输公司收到付款时，商家从付款平台接收付款。 该方法和系统不要求买方使用由中介交易平台提供的支付方式进行支付。 相反，买方可以直接向船公司支付。 然而，与传统的基于COD的交易方法不同，公开的在线交易方式和系统集中管理物流公司运营的物流平台或多个物流运营。 商家没有从物流公司收到付款，而是从集中支付平台收到付款，以确保安全快速的付款。

公开(公告)号：US07169619B2

公开(公告)日：2007-01-30

申请号：US10299246

申请日：2002-11-19

申请人： Yong Liang ,  Ravindranath Droopad ,  Xiaoming Hu ,  Jun Wang ,  Yi Wei ,  Zhiyi Yu

发明人： Yong Liang ,  Ravindranath Droopad ,  Xiaoming Hu ,  Jun Wang ,  Yi Wei ,  Zhiyi Yu

IPC分类号： H01L21/00

CPC分类号： H01L21/02197 ,  C30B23/02 ,  C30B29/24 ,  H01L21/02293 ,  H01L21/31604 ,  H01L21/31691

摘要： High quality epitaxial layers of monocrystalline oxide materials (24) can be grown overlying monocrystalline substrates (22) such as large silicon wafers. The monocrystalline oxide layer (24) comprises a layer of monocrystalline oxide spaced apart from the silicon wafer by an amorphous interface layer (28) of silicon oxide. The amorphous interface layer serves as a decoupling layer between the substrate and the buffer layer so that the substrate and the buffer is crystal-graphically, chemically, and dielectrically decoupled. In addition, high quality epitaxial accommodating buffer layers may be formed overlying vicinal substrates using a low pressure, low temperature, alkaline-earth metal-rich process.

摘要翻译： 单晶氧化物材料（24）的高质量外延层可以生长在覆盖单晶衬底（22）如大硅晶片上。 单晶氧化物层（24）包括通过氧化硅的非晶界面层（28）与硅晶片间隔开的单晶氧化物层。 非晶界面层用作衬底和缓冲层之间的去耦层，使得衬底和缓冲器是晶体图，化学和介电解耦的。 此外，可以使用低压，低温，富碱土金属的工艺在邻近衬底上形成高质量的外延容纳缓冲层。

公开(公告)号：US09056269B2

公开(公告)日：2015-06-16

申请号：US13822104

申请日：2012-03-19

申请人： Chengtao Gu ,  Shugang Cai ,  Xiaoming Hu

发明人： Chengtao Gu ,  Shugang Cai ,  Xiaoming Hu

IPC分类号： B01D35/30

CPC分类号： B01D35/30 ,  B01D2201/302 ,  B01D2201/4015

摘要： Disclosed is a hot detachable and replaceable water filter assembly, including a filter core cover and a filter cartridge; wherein the filter cover and the filter cartridge are fastened together. The filter cover includes an upper ceramic piece, a lower ceramic piece and a rotating shaft. The contact surface between the upper ceramic piece and lower ceramic piece is smooth. The upper ceramic piece includes a first through hole. The lower ceramic piece includes a corresponding second through hole. The lower ceramic piece includes a first groove. The rotating shaft includes a first projection to drive the lower ceramic piece to rotate. The filter cartridge includes a water division end cap which is cooperated with the rotating shaft.

摘要翻译： 公开了一种热可拆卸和可更换的水过滤器组件，包括过滤器芯盖和过滤器滤芯; 其中过滤器盖和过滤器滤芯紧固在一起。 过滤器盖包括上陶瓷件，下陶瓷件和旋转轴。 上陶瓷件和下陶瓷件之间的接触面平滑。 上部陶瓷件包括第一通孔。 下陶瓷件包括相应的第二通孔。 下陶瓷件包括第一槽。 旋转轴包括用于驱动下陶瓷件旋转的第一突起。 滤筒包括与旋转轴配合的分水端盖。

公开(公告)号：US20130220910A1

公开(公告)日：2013-08-29

申请号：US13822104

申请日：2012-03-19

申请人： Chengtao Gu ,  Shugang Cai ,  Xiaoming Hu

发明人： Chengtao Gu ,  Shugang Cai ,  Xiaoming Hu

IPC分类号： B01D35/30

CPC分类号： B01D35/30 ,  B01D2201/302 ,  B01D2201/4015

摘要： Disclosed is a hot detachable and replaceable water filter assembly, including a filter core cover and a filter cartridge; wherein the filter cover and the filter cartridge are fastened together. The filter cover includes an upper ceramic piece, a lower ceramic piece and a rotating shaft. The contact surface between the upper ceramic piece and lower ceramic piece is smooth. The upper ceramic piece includes a first through hole. The lower ceramic piece includes a corresponding second through hole. The lower ceramic piece includes a first groove. The rotating shaft includes a first projection to drive the lower ceramic piece to rotate. The filter cartridge includes a water division end cap which is cooperated with the rotating shaft.

摘要翻译： 公开了一种热可拆卸和可更换的水过滤器组件，包括过滤器芯盖和过滤器滤芯; 其中过滤器盖和过滤器滤芯紧固在一起。 过滤器盖包括上陶瓷件，下陶瓷件和旋转轴。 上陶瓷件和下陶瓷件之间的接触面平滑。 上部陶瓷件包括第一通孔。 下陶瓷件包括相应的第二通孔。 下陶瓷件包括第一槽。 旋转轴包括用于驱动下陶瓷件旋转的第一突起。 滤筒包括与旋转轴配合的分水端盖。

公开(公告)号：US20110219054A1

公开(公告)日：2011-09-08

申请号：US12298247

申请日：2008-10-22

申请人： Xiaoming Hu

发明人： Xiaoming Hu

IPC分类号： G06F15/16

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。