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    • 53. 发明申请
    • Systems and methods for automated loan processing and distribution using multiple channels
    • 使用多个渠道进行自动化贷款处理和分配的系统和方法
    • US20050289045A1
    • 2005-12-29
    • US11156660
    • 2005-06-21
    • David Lawson
    • David Lawson
    • G06Q40/00G06F17/60
    • G06Q40/02G06Q40/025
    • Multiple business channels are provided for a borrower to apply for an automobile loan and, in addition, multiple channels are provided for the distribution of loan funds for approved applications to borrowers. Through implementation of a network of partner lenders, a primary lender may offer a seamless integration of its loan products with partner lenders across multiple channels. A borrower may investigate automobile loan products, submit an application for an automobile loan, and receive a decision of whether or not the application was approved. For loans that are approved, the borrower may further commit to the terms to the loan, resulting in the production of a check that the borrower may use to purchase an automobile.
    • 为借款人提供多个商业渠道申请汽车贷款,另外还提供多个渠道,用于向借款人分配经批准的申请贷款资金。 通过实施合作伙伴贷款人网络,主要贷方可以在多个渠道中将其贷款产品与合作伙伴贷款人无缝集成。 借款人可以调查汽车贷款产品,提交汽车贷款申请,并收到申请是否获得批准的决定。 对于已批准的贷款,借款人可以进一步承诺贷款条款,从而生成借款人可能用于购买汽车的支票。
    • 55. 发明申请
    • Read/write circuit for accessing chalcogenide non-volatile memory cells
    • 用于访问硫族化物非易失性存储单元的读/写电路
    • US20050024922A1
    • 2005-02-03
    • US10631174
    • 2003-07-31
    • Bin LiKenneth KnowlesDavid Lawson
    • Bin LiKenneth KnowlesDavid Lawson
    • G11C11/00G11C16/02G11C16/26
    • G11C13/0004G11C13/0038G11C13/004
    • A read/write circuit for accessing chalcogenide non-volatile memory cells is disclosed. The read/write circuit includes a chalcogenide storage element, a voltage limiting circuit, a current-to-voltage converter, and a buffer circuit. The voltage limiting circuit, which is coupled to the chalcogenide storage element, ensures that voltages across the chalcogenide storage element will not exceed a predetermined value during a read operation. During a read operation, the current-to-voltage converter, which is coupled to the voltage limiting circuit, converts a current pulse read from the chalcogenide storage element to a voltage pulse. By sensing the voltage pulse from the current-to-voltage converter, the buffer circuit can determine a storage state of the chalcogenide storage element.
    • 公开了用于访问硫族化物非易失性存储器单元的读/写电路。 读/写电路包括硫族化物存储元件,电压限制电路,电流 - 电压转换器和缓冲电路。 耦合到硫族化物存储元件的电压限制电路确保在读取操作期间跨越硫族化物存储元件的电压不会超过预定值。 在读取操作期间,耦合到电压限制电路的电流 - 电压转换器将从硫族化物存储元件读取的电流脉冲转换为电压脉冲。 通过感测来自电流 - 电压转换器的电压脉冲,缓冲电路可以确定硫族化物存储元件的存储状态。