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    • 42. 发明授权
    • Credit-approval decision models
    • 信用审批决策模型
    • US08396789B1
    • 2013-03-12
    • US12651666
    • 2010-01-04
    • Agus SudjiantoPeter B. VechnakMichelle WarholicMeghan Alita SteachJie Chen
    • Agus SudjiantoPeter B. VechnakMichelle WarholicMeghan Alita SteachJie Chen
    • G06Q40/00
    • G06Q40/025
    • Embodiments of the present invention evaluate consumer spending and borrowing patterns and, based thereon, forecast changes in consumer failure to repay rates. Embodiments of the present invention then develop macroeconomic variables that reflect the forecasted changes in consumer failure to repay rates and implement those macroeconomic variables into credit-approval decision models. The implemented macroeconomic variables adjust the decision models' credit-approval thresholds to account for the forecasted changes in consumer failure to repay rates. For example, if forecasts indicate decreasing credit failure to repay rates, then macroeconomic variables are developed and implemented in decision models to reduce credit-approval thresholds, thereby reducing qualifying creditworthiness scores and making it easier to get credit. On the other hand, for example, if forecasts indicate increasing credit failure to repay rates, then macroeconomic variables are developed and implemented in decision models to increase credit-approval thresholds, thereby restricting access to credit and reducing future losses from consumer failures to repay.
    • 本发明的实施例评估消费者支出和借款模式,并据此预测消费者未能偿还差价的变化。 然后,本发明的实施例开发出反映消费者未能偿还利率的预测变化的宏观经济变量,并将这些宏观经济变量实施为信用审批决策模型。 实施的宏观经济变量调整决策模型的信用审批阈值,以解决消费者未能偿还利率的预测变化。 例如,如果预测表明信贷未能偿还利率下降,则在决策模型中制定和实施宏观经济变量,以减少信贷审批门槛,从而降低合格信用评分,并使其更容易获得信贷。 另一方面,例如,如果预测表明贷款利率不断下降,那么在决策模型中制定和实施宏观经济变量,以增加信贷审批阈值,从而限制信贷获取和减少未来消费者未偿还的损失。
    • 43. 发明申请
    • USING CAMERA SIGNATURES FROM UPLOADED IMAGES TO AUTHENTICATE USERS OF AN ONLINE SYSTEM
    • 使用上传图像中的相机签名来确认在线系统的用户
    • US20130011007A1
    • 2013-01-10
    • US13617504
    • 2012-09-14
    • Daniel Gregory MurielloStephen Charles HeiseJie Chen
    • Daniel Gregory MurielloStephen Charles HeiseJie Chen
    • G06K9/00
    • G06F21/44
    • Users of an online system are authenticated based on signatures of cameras that were used to capture images uploaded to the online system. Users of an online system upload photos taken from their cameras. The online system extracts characteristic information about the camera that captured the photos. This information includes a mapping of faulty pixels, metadata included with the photos, a naming convention, and the like. The online system stores an association between the user and the camera. This association is used for authentication of the user. For authentication, the user is asked to upload new photos taken from the camera that the user used previously. The information extracted from the newly uploaded photos is matched against stored information of cameras used previously by the user. The user is successfully authenticated if the camera used for the newly uploaded photos matches a previously stored camera.
    • 在线系统的用户基于用于捕获上传到在线系统的图像的相机的签名进行身份验证。 在线系统的用户上传从相机拍摄的照片。 在线系统提取拍摄照片的相机的特征信息。 该信息包括错误像素的映射,照片附带的元数据,命名约定等。 在线系统存储用户和相机之间的关联。 该关联用于用户的认证。 对于认证,用户被要求上传用户以前使用的相机拍摄的新照片。 从新上传的照片提取的信息与用户先前使用的相机的存储信息相匹配。 如果用于新上传的照片的相机与先前存储的相机匹配,则用户已成功验证。
    • 44. 发明授权
    • Using camera signatures from uploaded images to authenticate users of an online system
    • 使用上传图像的相机签名验证在线系统的用户
    • US08306256B2
    • 2012-11-06
    • US12884137
    • 2010-09-16
    • Daniel Gregory MurielloStephen Charles HeiseJie Chen
    • Daniel Gregory MurielloStephen Charles HeiseJie Chen
    • G06K9/00
    • G06F21/44
    • Users of an online system are authenticated based on signatures of cameras that were used to capture images uploaded to the online system. Users of an online system upload photos taken from their cameras. The online system extracts characteristic information about the camera that captured the photos. This information includes a mapping of faulty pixels, metadata included with the photos, a naming convention, and the like. The online system stores an association between the user and the camera. This association is used for authentication of the user. For authentication, the user is asked to upload new photos taken from the camera that the user used previously. The information extracted from the newly uploaded photos is matched against stored information of cameras used previously by the user. The user is successfully authenticated if the camera used for the newly uploaded photos matches a previously stored camera.
    • 在线系统的用户基于用于捕获上传到在线系统的图像的相机的签名进行身份验证。 在线系统的用户上传从相机拍摄的照片。 在线系统提取拍摄照片的相机的特征信息。 该信息包括错误像素的映射,照片附带的元数据,命名约定等。 在线系统存储用户和相机之间的关联。 该关联用于用户的认证。 对于认证,用户被要求上传用户以前使用的相机拍摄的新照片。 从新上传的照片提取的信息与用户先前使用的相机的存储信息相匹配。 如果用于新上传的照片的相机与先前存储的相机匹配,则用户已成功验证。
    • 46. 发明申请
    • G-M REFRIGERATOR WITH PHASE MODULATION MECHANISM
    • 具有相位调制机构的G-M制冷机
    • US20120227417A1
    • 2012-09-13
    • US13498092
    • 2010-09-30
    • Wei ChaoJie ChenKunroing ZhuangJinlin Gao
    • Wei ChaoJie ChenKunroing ZhuangJinlin Gao
    • F25B9/14
    • F25B9/14F25B9/10
    • A G-M refrigerator comprises a compressor (1), a gas inlet valve (2), an exhaust valve (3), a regenerator (4), a cylinder (5), a piston (6), a hot cavity (7), a cold cavity (8), a seal ring (9), a driving mechanism (10-12), an annular gap (13), a heat exchanger (14), an orifice valve (18) and a gas reservoir (19). By introducing a phase modulation mechanism, such as the orifice valve (18), the gas reservoir (19) and the like, the working way of gas in the annular gap (13) is changed to be the same with that of a pulse tube refrigerator with the phase modulation mechanism, expansion of the part of the gas is fully utilized for doing work so as to generate the cold effect, loss caused by gas leakage through the seal ring (9) is further eliminated and the performances of the G-M refrigerator are further improved.
    • GM冰箱包括压缩机(1),进气阀(2),排气阀(3),再生器(4),气缸(5),活塞(6),热腔(7) 冷空腔(8),密封环(9),驱动机构(10-12),环形间隙(13),热交换器(14),节流阀(18)和气体储存器(19) 。 通过引入诸如节流阀(18),气体储存器(19)等的相位调制机构,将环形间隙(13)中的气体的工作方式改变为与脉冲管 具有相位调制机构的冰箱,部分气体的膨胀被充分利用于进行工作以产生冷效应,进一步消除了通过密封环(9)的气体泄漏造成的损失,并且GM冰箱的性能 进一步改善。
    • 47. 发明授权
    • Comprehensive test bed for vehicle body
    • 车身综合试验台
    • US08230730B2
    • 2012-07-31
    • US13171309
    • 2011-06-28
    • Fei MaJie ChenYuanfeng Pang
    • Fei MaJie ChenYuanfeng Pang
    • G01M17/00
    • G01M17/08
    • The present invention relates to a comprehensive test bed for vehicle body, which comprises an vehicle body static strength testing apparatus, an vehicle body air tightness testing apparatus, an vehicle coupler strength testing apparatus and an vehicle body mode testing apparatus, wherein the tested vehicle body is provided with a strain foil and a displacement sensor; and the strain foil and the displacement sensor are connected with a data acquisition system. The comprehensive test bed for the vehicle body can perform an vehicle body static strength test on various rail passenger vehicles, an vehicle body steel structure vibration mode test, an vehicle body partial assembly vibration mode test and an vehicle body air tightness test, and can realize strength tests on partial key components of the vehicle body (a transition vehicle coupler, a return vehicle coupler, an vehicle body chassis cross beam, a hoisting structure, an end structure, and the like). The application range of the test bed includes high speed railway train units, urban rail vehicles, railway ordinary vehicles, maglev trains and straddle type single-rail vehicles. The comprehensive test bed for the vehicle body has a wide application range and can automatically carry out various tests on the same test bed, so that the test bed realizes simple and convenient testing process and convenient operation, and saves labor force and labor time.
    • 本发明涉及一种车身综合试验台,其包括车体静强度试验装置,车体气密性试验装置,车辆联接器强度试验装置以及车体模式试验装置,其特征在于, 设置有应变箔和位移传感器; 应变片和位移传感器与数据采集系统连接。 车身综合试验台可对各轨道客车进行车身静强试验,车身钢结构振动试验,车身部分组装振动试验及车身密封性试验,可实现 对车体的部分关键部件(过渡车辆联动器,返回车辆联接器,车身机架横梁,起重结构,端部结构等)进行强度试验。 试验台的应用范围包括高速铁路车辆,城市轨道车辆,铁路普通车辆,磁悬浮列车和跨骑式单轨车辆。 车体综合试验台具有广泛的应用范围,可以在同一试验台上自动进行各种试验,使试验台实现了简单方便的试验过程,操作方便,节省了劳动力和劳动时间。