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    • 2. 发明申请
    • Credit Risk Control
    • 信用风险控制
    • US20120030091A1
    • 2012-02-02
    • US12600978
    • 2009-08-19
    • Xiaoming HuJing GaoFeng LiWeiyan LvXiuyun ZhangZhengwei Zhang
    • Xiaoming HuJing GaoFeng LiWeiyan LvXiuyun ZhangZhengwei Zhang
    • G06Q40/00
    • G06Q40/08G06Q40/02G06Q40/025
    • A method and a system of credit risk control use different incentive mechanisms for different type of users for post-loan credit risk control. The method classifies the user to one of several different user types based on the user information and a correspondence relationship between the user information and risk levels, and selects an appropriate incentive mechanism for risk control based on the user type. The incentive mechanisms may either be a positive incentive mechanism or a negative incentive mechanism depending on the user type. The incentive mechanisms are performed over a network, and are designed to encourage a user of good loan payment record but to discourage a user of bad loan payment record. The method and the system are particularly suited for risk control of repayment of various kinds of loans which are applied and disbursed over the Internet.
    • 信用风险控制的方法和制度对不同类型的用户使用不同的激励机制进行贷后信贷风险控制。 该方法基于用户信息和用户信息与风险级别之间的对应关系将用户分类为多种不同用户类型之一,并根据用户类型选择适当的风险控制激励机制。 激励机制可以是积极的激励机制,也可以是根据用户类型的否定激励机制。 激励机制是通过网络进行的,旨在鼓励用户获得良好的贷款支付记录,但是阻止用户不良贷款支付记录。 该方法和系统特别适用于偿付通过互联网应用和支付的各种贷款的风险控制。
    • 4. 发明授权
    • Hot detachable and replaceable water filter assembly
    • 热可拆卸和可更换的水过滤器组件
    • US09056269B2
    • 2015-06-16
    • US13822104
    • 2012-03-19
    • Chengtao GuShugang CaiXiaoming Hu
    • Chengtao GuShugang CaiXiaoming Hu
    • B01D35/30
    • B01D35/30B01D2201/302B01D2201/4015
    • Disclosed is a hot detachable and replaceable water filter assembly, including a filter core cover and a filter cartridge; wherein the filter cover and the filter cartridge are fastened together. The filter cover includes an upper ceramic piece, a lower ceramic piece and a rotating shaft. The contact surface between the upper ceramic piece and lower ceramic piece is smooth. The upper ceramic piece includes a first through hole. The lower ceramic piece includes a corresponding second through hole. The lower ceramic piece includes a first groove. The rotating shaft includes a first projection to drive the lower ceramic piece to rotate. The filter cartridge includes a water division end cap which is cooperated with the rotating shaft.
    • 公开了一种热可拆卸和可更换的水过滤器组件,包括过滤器芯盖和过滤器滤芯; 其中过滤器盖和过滤器滤芯紧固在一起。 过滤器盖包括上陶瓷件,下陶瓷件和旋转轴。 上陶瓷件和下陶瓷件之间的接触面平滑。 上部陶瓷件包括第一通孔。 下陶瓷件包括相应的第二通孔。 下陶瓷件包括第一槽。 旋转轴包括用于驱动下陶瓷件旋转的第一突起。 滤筒包括与旋转轴配合的分水端盖。
    • 5. 发明授权
    • Method and system for processing online joint guarantee
    • 在线联合保证处理方法和系统
    • US08924456B2
    • 2014-12-30
    • US12298247
    • 2008-10-22
    • Xiaoming HuJing GaoFeng LiJinbo XiaYanmin XuWeiyan LvLijiang ZhangZhengwei Zhang
    • Xiaoming HuJing GaoFeng LiJinbo XiaYanmin XuWeiyan LvLijiang ZhangZhengwei Zhang
    • G06F15/16G06Q40/02
    • G06Q40/02
    • A method and a system are disclosed for processing online joint guarantee. After a server receives an application from a user, the server provides various types of joint guarantee grouping to the user for selection. The server creates a joint guarantee group having a unique ID according to the selection of the user, organizes the information of the joint guarantee group into a data packet and sends the data packet to a bank system to be approved. The method potentially improves the success rate of joint guarantee grouping and removes the geographical limitations. Through the Internet, the method makes it possible to join companies of different geographical locations for online joint guarantee. The method also establishes a complete online alert mechanism, and realizes computerized loan risk control to improve the business credit system.
    • 公开了一种处理在线联合保证的方法和系统。 在服务器从用户接收到应用程序之后,服务器提供各种类型的联合保证分组给用户进行选择。 服务器根据用户的选择创建具有唯一ID的联合保证组,将联合保证组的信息组织成数据包,并将数据包发送到要批准的银行系统。 该方法有可能提高联合保证分组的成功率,并消除地理限制。 通过互联网,该方法可以加入不同地理位置的公司进行在线联合保证。 该方法还建立了完整的在线警报机制,实现了电脑化贷款风险控制,改善了企业信用体系。
    • 6. 发明申请
    • Hot Detachable and Replaceable Water Filter Assembly
    • 热可拆卸和可更换的滤水器组件
    • US20130220910A1
    • 2013-08-29
    • US13822104
    • 2012-03-19
    • Chengtao GuShugang CaiXiaoming Hu
    • Chengtao GuShugang CaiXiaoming Hu
    • B01D35/30
    • B01D35/30B01D2201/302B01D2201/4015
    • Disclosed is a hot detachable and replaceable water filter assembly, including a filter core cover and a filter cartridge; wherein the filter cover and the filter cartridge are fastened together. The filter cover includes an upper ceramic piece, a lower ceramic piece and a rotating shaft. The contact surface between the upper ceramic piece and lower ceramic piece is smooth. The upper ceramic piece includes a first through hole. The lower ceramic piece includes a corresponding second through hole. The lower ceramic piece includes a first groove. The rotating shaft includes a first projection to drive the lower ceramic piece to rotate. The filter cartridge includes a water division end cap which is cooperated with the rotating shaft.
    • 公开了一种热可拆卸和可更换的水过滤器组件,包括过滤器芯盖和过滤器滤芯; 其中过滤器盖和过滤器滤芯紧固在一起。 过滤器盖包括上陶瓷件,下陶瓷件和旋转轴。 上陶瓷件和下陶瓷件之间的接触面平滑。 上部陶瓷件包括第一通孔。 下陶瓷件包括相应的第二通孔。 下陶瓷件包括第一槽。 旋转轴包括用于驱动下陶瓷件旋转的第一突起。 滤筒包括与旋转轴配合的分水端盖。
    • 7. 发明申请
    • Method and System for Processing Online Joint Guarantee
    • 在线联合担保处理方法与系统
    • US20110219054A1
    • 2011-09-08
    • US12298247
    • 2008-10-22
    • Xiaoming Hu
    • Xiaoming Hu
    • G06F15/16
    • G06Q40/02
    • A method and a system are disclosed for processing online joint guarantee. After a server receives an application from a user, the server provides various types of joint guarantee grouping to the user for selection. The server creates a joint guarantee group having a unique ID according to the selection of the user, organizes the information of the joint guarantee group into a data packet and sends the data packet to a bank system to be approved. The method potentially improves the success rate of joint guarantee grouping and removes the geographical limitations. Through the Internet, the method makes it possible to join companies of different geographical locations for online joint guarantee. The method also establishes a complete online alert mechanism, and realizes computerized loan risk control to improve the business credit system.
    • 公开了一种处理在线联合保证的方法和系统。 在服务器从用户接收到应用程序之后,服务器提供各种类型的联合保证分组给用户进行选择。 服务器根据用户的选择创建具有唯一ID的联合保证组,将联合保证组的信息组织成数据包,并将数据包发送到要批准的银行系统。 该方法有可能提高联合保证分组的成功率,并消除地理限制。 通过互联网,该方法可以加入不同地理位置的公司进行在线联合保证。 该方法还建立了完整的在线警报机制,实现了电脑化贷款风险控制,改善了企业信用体系。