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    • 8. 发明申请
    • Consumer Lending Using A Money Transfer Network Systems And Methods
    • 消费贷款使用汇款网络系统和方法
    • US20090192934A1
    • 2009-07-30
    • US12058973
    • 2008-03-31
    • Lau Kam ChuCheung Pik WaYung Miu ChuStuart Davis
    • Lau Kam ChuCheung Pik WaYung Miu ChuStuart Davis
    • G06Q40/00
    • G06Q40/02G06Q20/10G06Q40/025
    • A method of lending money includes receiving a loan application from a consumer. The consumer is a prior customer of a money transfer service provider. The method also includes using information indicative of the consumer's prior usage of services provided by or through the money transfer service provider to approve the loan application. The method further includes using a money transfer network to provide loan proceeds to the consumer or a designee of the consumer and/or transfer loan payments associated with the loan application. In some embodiments using information indicative of the consumer's prior usage of services provided by or through the money transfer service provider to approve the loan application includes approving the loan in the absence of a credit report on the consumer. The method also my include using the consumer's usage history of pre-paid accounts serviced by the money transfer service provider to approve the loan application.
    • 贷款的方法包括从消费者那里收到贷款申请。 消费者是汇款服务提供商的先前客户。 该方法还包括使用指示消费者事先使用或通过汇款服务提供商提供的服务的信息来批准贷款申请。 该方法还包括使用汇款网络向消费者或消费者的指定人提供贷款收益和/或与贷款申请相关联的转移贷款支付。 在一些实施例中,使用指示消费者事先使用或通过汇款服务提供商批准贷款申请的服务的信息包括在没有消费者的信用报告的情况下批准贷款。 该方法还包括使用消费者的使用历史记录,由汇款服务提供商提供的预付款账户批准贷款申请。
    • 10. 发明申请
    • METHOD FOR CLARIFYING INDUSTRIAL WASTEWATER
    • 澄清工业废水的方法
    • US20130075341A1
    • 2013-03-28
    • US13491008
    • 2012-06-07
    • Robert DavisStuart Davis
    • Robert DavisStuart Davis
    • C02F1/54
    • B01D17/048
    • Methods are described for removing contaminates from aqueous industrial wastewater process streams, specifically industrial laundries to yield a less contaminated aqueous effluent for discharge to a sewer and reduce the sludge generated therefrom. A premixed medium/high molecular weight and medium/high charged cationic coagulant solution polymer and an inorganic aluminum species is added to the wastewater, and after at least a two second delay, a high molecular weight highly charged anionic flocculent is injected into the wastewater which reduces sludge generation, while maintaining or exceeding effluent quality. Also, no coagulant, flocculent or sludge aids are needed to attain the results and the sludge can be dewatered in a plate and frame press.
    • 描述了用于从水性工业废水工艺流,特别是工业洗涤物中除去污染物的方法,以产生较少污染的含水废水排放到下水道并减少由其产生的污泥。 向废水中加入预混合的中等/高分子量和中等/高电荷的阳离子凝结剂溶液聚合物和无机铝物质,至少延迟两秒钟后,将高分子量高电荷的阴离子絮凝剂注入废水中 减少污泥产生,同时保持或超过污水质量。 此外,不需要凝结剂,絮凝剂或污泥辅助剂来获得结果,并且污泥可以在板框压机中脱水。