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    • 4. 发明申请
    • System and Method for Income Risk Assessment Utilizing Income Fraud and Income Estimation Models
    • 利用收入欺诈和收入估算模型进行收入风险评估的制度与方法
    • US20130018776A1
    • 2013-01-17
    • US13182228
    • 2011-07-13
    • Jianjun XieHoi-Ming ChiRoger NoeMike BarnettBrent GaddisJames Baker
    • Jianjun XieHoi-Ming ChiRoger NoeMike BarnettBrent GaddisJames Baker
    • G06Q40/02
    • G06Q40/02
    • A method of income validation and evaluation for income risk assessment is disclosed in one embodiment. The method includes receiving a borrower loan request including a plurality of borrower data selected from the group consisting of: an employment type code, a borrower date-of-birth, a borrower zip code and a stated monthly income. The method further includes analyzing the received plurality of borrower data with respect to a stored plurality of borrower data to generate a normalized plurality of borrower data, implementing, if the stated monthly income is non-zero, an income fraud model utilizing at least the normalized plurality of borrower data including the employment type code, the borrower date-of-birth and the borrower zip code to determine an income fraud score based on the normalized plurality of borrower data, implementing an income estimation model utilizing at least the normalized plurality of borrower data and an age-band to determine a predicted income, and determining a risk assessment value as a function of the income fraud model and the income estimation mode.
    • 在一个实施例中公开了收入风险评估的收入确认和评估方法。 该方法包括接收借款人贷款请求,其中包括从由以下各项组成的组中选择的多个借款人数据:雇佣类型代码,借款人出生日期,借款人邮政编码和所述月收入。 该方法还包括分析所接收的多个借款人数据相对于所存储的多个借款人数据以产生归一化的多个借款人数据,如果所述月收入不为零,则实施至少使用归一化的收入欺诈模型 多个借款人数据,包括就业类型代码,借款人出生日期和借款人邮政编码,以根据归一化的多个借款人数据确定收入欺诈分数,实施利用至少归一化的多个借款人的收入估计模型 数据和年龄段来确定预测收入,以及确定风险评估值作为收入欺诈模型和收入估计模式的函数。
    • 6. 发明申请
    • ELECTROSURGICAL INSTRUMENT AND METHOD OF USE
    • 静电仪器及其使用方法
    • US20080045942A1
    • 2008-02-21
    • US11925092
    • 2007-10-26
    • CSABA TRUCKAIJames BakerJohn Shaddock
    • CSABA TRUCKAIJames BakerJohn Shaddock
    • A61B18/12
    • A61B18/1442A61B2018/00077A61B2018/00083A61B2018/00148A61B2018/0063A61B2018/00654A61B2018/00791A61B2018/00797A61B2018/00809A61B2018/1467
    • An electrosurgical medical device and method for creating thermal welds in engaged tissue. In one embodiment, at least one jaw of the instrument defines a tissue engagement plane carrying a variable resistive body of a positive temperature coefficient material that has a selected decreased electrical conductance at each selected increased temperature thereof over a targeted treatment range. The variable resistive body can be engineered to bracket a targeted thermal treatment range, for example about 60° C. to 80° C., at which tissue welding can be accomplished. In one mode of operation, the engagement plane will automatically modulate and spatially localize ohmic heating within the engaged tissue from Rf energy application across micron-scale portions of the engagement surface. In another mode of operation, a variable resistive body will focus conductive heating in a selected portion of the engagement surface.
    • 一种用于在接合组织中产生热焊缝的电外科医疗装置和方法。 在一个实施例中,仪器的至少一个钳口限定了携带正温度系数材料的可变电阻体的组织接合平面,其在目标治疗范围内的每个选定的升高温度下具有选定的降低的电导率。 可变电阻体可以被设计成支撑目标热处理范围,例如约60℃至80℃,在该热处理范围内可以实现组织焊接。 在一种操作模式中,接合平面将自动地调节并且在接合表面的微米级部分的Rf能量施加之间空间地定位所接合组织内的欧姆加热。 在另一种操作模式中,可变电阻体将导电加热聚焦在接合表面的选定部分中。
    • 7. 发明申请
    • Instant Messaging Plug-Ins
    • 即时通讯插件
    • US20070244980A1
    • 2007-10-18
    • US11279865
    • 2006-04-14
    • James BakerJennifer BayerJohn HolmesKatrina BlanchWendy Cook
    • James BakerJennifer BayerJohn HolmesKatrina BlanchWendy Cook
    • G06F15/16
    • G06Q10/107
    • Various embodiments provide a standardized way to interact with and extend instant messaging applications. A platform is provided and enables developers and other third parties to create extensions for instant messaging applications. Through a set of APIs, interacting applications or plug-ins are “sandboxed” in their own areas where they are unable to perform unpermitted or unauthorized actions. The plug-in platform or architecture is integrated with the platform of the instant messaging application and can allow developers to create plug-ins that can interact with a local user and their buddies. Any number of various types of plug-ins can be developed and incorporated into the instant messaging application in a standardized manner.
    • 各种实施例提供了与即时消息传递应用进行交互和延伸的标准化方式。 提供了一个平台,使开发人员和其他第三方能够为即时消息应用程序创建扩展。 通过一组API,交互应用程序或插件在他们无法执行未授权或未经授权的操作的区域中被“沙箱”。 插件平台或架构与即时消息应用程序的平台集成在一起,可以让开发人员创建可以与本地用户及其伙伴进行交互的插件。 可以开发任何数量的各种类型的插件,并以标准化方式将其并入即时消息应用程序。