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1. 发明授权

US08924456B2 Method and system for processing online joint guarantee 有权
标题翻译：在线联合保证处理方法和系统
公开(公告)号：US08924456B2
公开(公告)日：2014-12-30
申请号：US12298247
申请日：2008-10-22
申请人： Xiaoming Hu , Jing Gao , Feng Li , Jinbo Xia , Yanmin Xu , Weiyan Lv , Lijiang Zhang , Zhengwei Zhang
发明人： Xiaoming Hu , Jing Gao , Feng Li , Jinbo Xia , Yanmin Xu , Weiyan Lv , Lijiang Zhang , Zhengwei Zhang
IPC分类号： G06F15/16 , G06Q40/02
CPC分类号： G06Q40/02
摘要： 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.
摘要翻译：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。

2. 发明授权

US08612344B2 Online processing for offshore business transactions 有权
标题翻译：离岸业务交易的在线处理
公开(公告)号：US08612344B2
公开(公告)日：2013-12-17
申请号：US12600797
申请日：2009-08-21
申请人： Shanfa Li , Leiming Yuan , Jinbo Xia , Fengping Wu
发明人： Shanfa Li , Leiming Yuan , Jinbo Xia , Fengping Wu
IPC分类号： G06Q40/00 , G06Q20/04
CPC分类号： G06Q20/381 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q30/0613 , G06Q30/0635 , G06Q40/04
摘要： A method and system for processing offshore online transaction use an intermediary platform to conduct foreign currency exchange on behalf of a buyer and an offshore seller. The method allows the buyer to purchase a product of an offshore merchant website using a local currency through the intermediary platform. The buyer places an order at the offshore merchant website, which sends an order request to the intermediary platform. The intermediary platform calculates the purchase amount in local currency, and exchanges the local currency amount provided by the user into an equivalent foreign currency amount through a financial platform, and sends a transaction message indicating successful payment to the offshore merchant website to allow shipping of the product. The intermediary platform periodically conducts accounting and profit sharing operations with the offshore merchant website.
摘要翻译：处理离岸在线交易的方法和系统使用中介平台代表买方和离岸卖方进行外币兑换。该方法允许买方通过中间平台使用当地货币购买离岸商户网站的产品。买家在离岸商户网站上下单，向中介平台发出订单请求。中介平台以当地货币计算购买金额，并通过金融平台将用户提供的当地货币金额兑换为等值外币金额，并向离岸商户网站发送指示成功付款的交易信息，以便运送产品。中介平台定期与离岸商户网站进行会计和利润分享操作。

3. 发明申请

US20110231283A1 Online Processing for Offshore Business Transactions 有权
标题翻译：离岸业务交易在线处理
公开(公告)号：US20110231283A1
公开(公告)日：2011-09-22
申请号：US12600797
申请日：2009-08-21
申请人： Shanfa Li , Leiming Yuan , Jinbo Xia , Fengping Wu
发明人： Shanfa Li , Leiming Yuan , Jinbo Xia , Fengping Wu
IPC分类号： G06Q30/00
CPC分类号： G06Q20/381 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q30/0613 , G06Q30/0635 , G06Q40/04
摘要： A method and system for processing offshore online transaction use an intermediary platform to conduct foreign currency exchange on behalf of a buyer and an offshore seller. The method allows the buyer to purchase a product of an offshore merchant website using a local currency through the intermediary platform. The buyer places an order at the offshore merchant website, which sends an order request to the intermediary platform. The intermediary platform calculates the purchase amount in local currency, and exchanges the local currency amount provided by the user into an equivalent foreign currency amount through a financial platform, and sends a transaction message indicating successful payment to the offshore merchant website to allow shipping of the product. The intermediary platform periodically conducts accounting and profit sharing operations with the offshore merchant website.
摘要翻译：处理离岸在线交易的方法和系统使用中介平台代表买方和离岸卖方进行外币兑换。该方法允许买方通过中间平台使用当地货币购买离岸商户网站的产品。买家在离岸商户网站上下单，向中介平台发出订单请求。中介平台以当地货币计算购买金额，并通过金融平台将用户提供的当地货币金额兑换为等值外币金额，并向离岸商户网站发送指示成功付款的交易信息，以便运送产品。中介平台定期与离岸商户网站进行会计和利润分享操作。

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