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    • 25. 发明授权
    • System and method for layered video coding enhancement
    • 用于分层视频编码增强的系统和方法
    • US06510177B1
    • 2003-01-21
    • US09535159
    • 2000-03-24
    • Jeremy De BonetGary J. Sullivan
    • Jeremy De BonetGary J. Sullivan
    • H07N718
    • H04N19/86H04N19/33H04N19/51H04N19/52
    • A system and a method for encoding, transmitting, decoding and storing a high-resolution video sequence using a low-resolution base layer and a higher-resolution enhancement layer. The base layer contains low-resolution video information and is compressed in a manner such that it can be decoded independently of the enhancement layer. The base layer may be encoded in an existing standard video format (such as MPEG-2). The enhancement layer, which contains high-resolution information, provides a variable amount of enhancement to the base layer. The compressed video sequence is transmitted in two layers and uses a minimum amount of bit rate by using information transmitted in the base layer in the decoding of both the base layer and the enhancement layer. In an enhanced decoder, both the base layer and the enhancement layer use this information that has been transmitted in the base layer.
    • 一种使用低分辨率基础层和较高分辨率增强层对高分辨率视频序列进行编码,传输,解码和存储的系统和方法。 基层包含低分辨率视频信息,并以能够独立于增强层进行解码的方式进行压缩。 基层可以以现有的标准视频格式(例如MPEG-2)进行编码。 包含高分辨率信息的增强层向基层提供可变量的增强。 压缩视频序列以两层传输,并且通过使用在基层和增强层的解码中在基层中发送的信息来使用最小量的比特率。 在增强解码器中,基本层和增强层都使用已经在基本层中传输的信息。
    • 27. 发明授权
    • Method and apparatus system for modeling consumer capacity for future incremental debt in credit scoring
    • 在信用评分中对未来增量债务的消费能力建模的方法和装置系统
    • US08099356B2
    • 2012-01-17
    • US12027250
    • 2008-02-06
    • Jeffrey Allen FeinsteinGary J. SullivanJennifer Elizabeth Jack
    • Jeffrey Allen FeinsteinGary J. SullivanJennifer Elizabeth Jack
    • G06Q40/00
    • G06Q40/00G06Q20/10G06Q20/108G06Q40/025G06Q40/06
    • Predicting impact of future actions on subsequent creditworthiness involves developing a prediction model that predicts a statistical interaction of performance expectation with likely post-scoring behavior. Including sensitivity to new, post-scoring date credit behaviors in the analytic solution greatly improves snapshot score predictions. The modeling approach involves multiple snapshots: predictive and performance snapshots, plus an intermediate snapshot shortly after the predictive snapshot to quantify interim consumer behavior post-scoring date. Predictive interaction variables are calculated on the predictive data using simulated consumer profiles before and after assuming a sizeable simulated balance to infer the consumer's tolerance for incremental future debt. Using an adjustor approach in predicting capacity allows isolation of the confounding effect of risk from the capacity determination. A resulting capacity index can be used to rank order originations and line increases according to capacity in consumer, bankcard, automobile and mortgage lending.
    • 预测未来行动对后续信誉的影响涉及开发预测模型,预测绩效预期与可能的后评分行为的统计交互。 包括对分析解决方案中新的,后评分日期信用行为的敏感性大大提高了快照分数预测。 建模方法涉及多个快照:预测性能快照和性能快照,以及预测快照后不久的中间快照,用于量化中期消费者行为后评分日期。 预测性交互变量使用模拟消费者概况在假设相当大的模拟平衡之前和之后根据预测数据计算,以推断消费者对增值未来债务的容忍度。 使用调整方法来预测能力,可以将风险与容量确定的混杂影响隔离开来。 根据消费者,银行卡,汽车和抵押贷款的能力,可以使用最终的能力指数对订单发起和线路增长进行排序。