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    • 2. 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。
    • 3. 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。
    • 6. 发明授权
    • Axial flow impeller
    • 轴流叶轮
    • US09435349B2
    • 2016-09-06
    • US13823447
    • 2011-09-13
    • Bin QianQisong JiangDenghao WuFeng LiDong Wang
    • Bin QianQisong JiangDenghao WuFeng LiDong Wang
    • F04D29/18F04D29/32F04D29/38
    • F04D29/181F04D29/324F04D29/38
    • An axial flow impeller includes a hub, at least three base blades, and a cover blade detachably mounted to each base blade. When the impeller is applied in a medium environment having a high density and viscosity, the impeller will meet the requirement only by virtue of the base blade with the cover blade being removed. When the impeller is applied in a medium environment having low density and viscosity, the cover blade can be mounted in the front and/or rear of the base blade in order to improve the efficiency of the impeller. In this case, the consumption of electrical power can be reduced significantly while producing an equivalent propulsive force, thereby being advantageous for energy conservation. Therefore, the impeller can be adaptable to different medium environments and efficiency requirements, and thus can have good adaptability, need minimal investment cost and can be convenient to use.
    • 轴向流动叶轮包括轮毂,至少三个基本叶片和可拆卸地安装到每个基础叶片上的盖板。 当叶轮被施加在具有高密度和粘度的介质环境中时,叶轮将仅通过除去盖板的基础叶片才能满足要求。 当叶轮被施加在具有低密度和粘度的介质环境中时,盖叶片可以安装在基础叶片的前部和/或后部,以便提高叶轮的效率。 在这种情况下,能够在产生等效推进力的同时显着降低电力消耗,有利于节能。 因此,叶轮可以适应不同的介质环境和效率要求,因此具有良好的适应性,投资成本最低,使用方便。
    • 7. 发明授权
    • Document scanner
    • 文件扫描仪
    • US08922849B2
    • 2014-12-30
    • US13698362
    • 2010-05-27
    • Andrew Roy CullumGraham James Ohn TinnJianjun ZuoFeng LiPeng JiangDavid BadgerJun Wang
    • Andrew Roy CullumGraham James Ohn TinnJianjun ZuoFeng LiPeng JiangDavid BadgerJun Wang
    • H04N1/04H04N1/03H04N1/031H04N1/191H04N1/12
    • H04N1/03H04N1/0312H04N1/12H04N1/191H04N1/1917H04N1/1918
    • A document scanner comprises a first image sensor unit (32) and a second image sensor unit (30) and a scanning mechanism (70, 72, 76, 80) for causing relative movement between a document and the units so that the units scan the document in a scanning direction. The first unit (32) is situated ahead of the second unit (30) in the scanning direction and partially overlaps the second unit. Each sensor unit has a respective linear array (44) of electromagnetic radiation detectors and one or more light guides (48, 49) for directing light from a respective one of two imaging lines (63) on to the detectors, wherein, in use, the imaging lines scan the document to capture data representative of two respective sets of scan line portions for combination to obtain a succession of scan lines for the document, the one or more light guides of the first unit (32) are angled rearwardly with respect to the scanning direction, whilst the one or more light guides of the second unit (30) are angled forwardly with respect to the scanning direction, so as to reduce the distance with respect to the scanning direction, between the imaging lines (63).
    • 文件扫描器包括第一图像传感器单元(32)和第二图像传感器单元(30)和扫描机构(70,72,76,80),用于引起文件和单元之间的相对移动,使得单元扫描 在扫描方向记录。 第一单元(32)在扫描方向上位于第二单元(30)的前方并与第二单元部分重叠。 每个传感器单元具有相应的电磁辐射检测器的线性阵列(44)和用于将来自两个成像线(63)中的相应一个的光引导到检测器上的一个或多个光导(48,49),其中在使用中, 成像线扫描文件以捕获表示两组相应的扫描线部分组合的数据,用于组合以获得用于文件的一连串扫描线,第一单元(32)的一个或多个光导相对于 扫描方向,同时第二单元(30)的一个或多个光导相对于扫描方向向前成角度,以便减小成像线(63)之间相对于扫描方向的距离。