69results about How to "Raise interest rates" patented technology

A method for providing a peer-to-peer loan service includes providing a website, listing lenders and amount of capital offered to be loaned and loan terms for each of the lenders in a lender database, placing a bid for a desired loan amount and desired loan terms by a borrower in the website, identifying at least one lender who can meet the borrower's bid, communicating this information to the borrower and reaching of equilibrium agreement between the at least one lender and the borrower. The equilibrium agreement is reached via an auction process and/or an algorithm process.

A system to provide automobile financing to individuals with relatively lower credit scores or ratings, or no credit rating, due to lack of credit or lending purchases, that would otherwise only qualify for sub-prime, higher interest loans. Due to the overall system structure, lower rate interest loans can be extended to participants. The system utilizes the auto financing loan applicant's term of employment and/or other employment performance data as the principal credit criteria to qualify the creditworthiness of an applicant versus the applicant's credit score or credit rating. Applicant's driving records are also reviewed as system automobile loan approval credit criteria. Loan applicants provide employment related information and execute a letter of authorization providing the system with authority/rights to contact the applicant's employer to verify said employment information. In order to provide participants with lower interest rates than would otherwise be available through conventional channels, automobiles financed under the system must meet minimum profile criteria, including the year of the auto, the mileage, retail value relative to the wholesale value, and autos financed under the system are covered by extended warranties and have GPS systems installed for asset protection purposes. In utilizing employment term as the principal creditworthiness criteria, the system can to be offered through employers as an employee loyalty reward program.

A preferred method for providing credit to an underserved borrower can include generating a borrower dataset at a first computer in response to receipt of a borrower profile; formatting the borrower dataset into a plurality of variables; and independently processing each of the plurality of variables using one of a statistical algorithm or a machine learning algorithm to generate a plurality of independent decision sets. The preferred method can further include ensembling the plurality of independent decision sets to generate a model question set; and transmitting the model question set to a second computer from which a user can direct one or more questions in the model question set to a borrower.

The invention relates to a preparation method of coix seed polysaccharide. The preparation method comprises the following steps of: crushing and screening coix seeds first, and carrying out degreasing, water bath extraction, centrifugation, enzymolysis, concentration, alcohol precipitation and vacuum freeze drying and precipitation to obtain crude coix seed polysaccharide; and dissolving the prepared crude coix seed polysaccharide to obtain a crude coix seed polysaccharide solution, carrying out deproteinization, decoloration, dialysis and ion exchange chromatography on the crude coix seed polysaccharide solution to obtain purified coix seed polysaccharide, and then carrying out vacuum freeze drying to obtain white powder, namely the coix seed polysaccharide. According to the preparation method disclosed by the invention, the crude coix seed polysaccharide is extracted by using a water extraction and alcohol precipitation method, the crude coix seed polysaccharide is subjected to deproteinization, decoloration, dialysis and ion exchange chromatography to obtain the purified coix seed polysaccharide, and then, the purified coix seed polysaccharide is subjected to vacuum freeze drying to obtain the white powder, namely the coix seed polysaccharide; and therefore, the preparation method is simple and the coix seed polysaccharide is high in yield.

The invention provides a Cr-Cr nanometer composite metal ceramic coating as well as a preparation method and device thereof. The coating is provided with a Cr diffusion layer, a Cr bonding layer, a Cr transition layer, a CrNx supporting layer, a Cr/CrN corrosion-resistant layer and a Cr decoration layer, wherein the CrNx supporting layer satisfies 0<=x<1; the Cr/CrN corrosion-resistant layer is an alternating layer of Cr layers and CrN layers and provided with at least one layer of Cr layer and one CrN layer. The coating provided by the invention has gradual changes of structure and composition, good interlayer bonding and excellent corrosion resistance and comprehensive properties.

The invention discloses a dry-type bamboo chopstick processing method which comprises the steps of piece splitting, basket loading, steaming and boiling, drying, basket unloading, storing and displaying, wiredrawing, billet cutting, tip cutting and polishing. Compared with chopsticks obtained through the wet-type processing method in the prior art, the hardness of the chopsticks of the chopsticks obtained through the dry-type bamboo chopstick processing method is increased by over 50%, the chopsticks are smooth and luster, the rate of qualified products is increased by over 50%, the production cycle is shortened by over 50%, the bamboo utilization rate is increased by over 10%, the economical benefits are increased, the problem that it is difficult to produce high-level or high-quality wet-type bamboo chopsticks is completely solved, the processing process is concise, and the production cost is lowered.

The invention relates to a light and high-strength wallboard made from fiber reinforced concrete which takes 30-40% of cement, 25-35% of rock flour, 20-30% of pulverized fuel ash, 5-9% of plant fiber, 1-3 per mill of concrete fiber, 1-1.5 per mill of white emulsoid, 1-1.5 per mill of acid amides, 3-5 per mill of cellulose calcium and 1-1.5 per mill of calcium stearate as raw materials. The plant fiber is paper fiber and/or straw fiber. Water is added to mix all the materials, so that the mixture obtains very good plasticity; then the mixture gets through the vacuum extruder and is squeezed out through a die orifice, forming a plate with a section; then the plate is cut into plates with a certain length, which are conveyed to a curing room for curing and molding. With the preparation method of the invention adopted, production processes can be reduced, waterproof and heat-preservation effect can be bettered, production cost can be lowered and pollution sources can be precluded. In addition, wasted paper at home can be used to replace the wasted paper imported from abroad so as to obtain cellulose produced by deliberation decomposition treatment, thus improving use ratio of straw and enjoying remarkable economic and social benefits.

The embodiment of the invention provides a communication method and device. The method comprises the steps that an Internet of Things platform obtains a historical load of a service cell of a terminal; the Internet of Things platform determines the data reporting time of the terminal according to the historical load of the service cell; and the Internet of Things platform sends the time for the terminal to report the data to the terminal. According to the embodiment of the invention, the data reporting time of the terminal is determined according to the historical load of the service cell and the time range in which the terminal can report the data; therefore, the determined data reporting time can be the time of the service cell with the lightest load in the time range in which the data can be reported, so that the terminal can report the data in a peak shifting manner, a large number of terminals can be prevented from reporting at the same time, the network congestion is avoided, and the network interest rate and the data reporting success rate are improved.

The invention belongs to the field of clean production, and particularly relates to a clean and energy-saving type production and salt preparation process. Firstly, lime cream is fed into raw materialbrine; then, the brine is processed by a lime flue gas method; the reacted brine is filtered by a coarse filter, and is then pumped into a ceramic filtering membrane filtering device to remove calcium and magnesium; the obtained clear liquid is used for preparing liquid salt or is fed into machinery for preparing solid salt through a hot compression MVR evaporative crystallization technology.

The invention relates to a method for reducing a random access collision in machine type communication user equipment of machine type communication-based communication system, wherein the machine type communication user equipment has low mobility. The method comprises the following steps that: a time adjustment parameter is recorded as a first time adjustment parameter during successful communication with a base station; when a new random access needs to be initiated, a random access guiding message is sent to the base station; a random access response message from the base station is received, wherein the random access response message includes a second time adjustment parameter; the recorded first time adjustment parameter is compared with the received second time adjustment parameter; if the difference value of the first time adjustment parameter and the second time adjustment parameter is in a predetermined error range, an L2/L3 message is sent to the base station continuously; and otherwise, a new random access is initiated again after predetermined time regression is carried out. According to the scheme, on the basis of active collision detection and regression, the collision probability is substantially reduced and the access capacity is increased.

The invention discloses a clear dimension compression molding method for a phenolic resin based complex profile product, which comprises the following steps of: firstly, preforming a plurality of equivalent flat plates, wherein each equivalent flat plate corresponds to one part of the phenolic resin based complex profile product; and then, superposing the equivalent flat plates, and matching the mold for molding to obtain the product. The method effectively improves the quality and the qualification rate of the product, reduces working procedures and material consumption, lowers cost and increases product efficiency.

A process for preparing the general saponin of golden gentian used for treating the ulcer in digestive tract includes such steps as extracting in alcohol and then in ethylacetate and n-butanol, vacuum concentrating chromatography by macroreticular resin, gradient eluting, and vacuum concentrating.

The embodiment of the invention discloses a song identification method, a song identification device, a storage medium and electronic equipment. The scheme comprises the steps of obtaining a target song fragment, and performing transformation processing on the target song fragment to generate a corresponding first spectrogram; generating a multi-dimensional first feature vector according to the first spectrogram and a preset neural network model; acquiring a second feature vector of the pre-stored song; calculating the similarity between the first feature vector and the second feature vector,and determining the maximum similarity; and if the maximum similarity is greater than the preset threshold value, judging that the target song segment and the pre-stored song corresponding to the maximum similarity are different versions of the same song, thereby improving the identification accuracy on the cover versions of the songs.

The invention discloses a take-out food delivery box with a heat and freshness preservation function, and relates to the technical field of logistics. The take-out food delivery box comprises a box body; a heat preservation box is fixedly connected between the two sides of the inner wall of the box body; a heat insulating plate is fixedly connected to the inner wall of the box body; a freshness preservation box is fixedly connected to the position, located at the top of the heat insulating plate, of the inner wall of the box body; an evaporator is fixedly connected to the top of the freshnesspreservation box, and the bottom of the evaporator is fixedly connected with a heat exchange fan; the top of the freshness preservation box is fixedly connected with a storage battery, and one side ofthe top of the freshness preservation box is fixedly connected with a battery charger; and the bottom of the inner wall of the box body is fixedly connected with a compressor. The take-out food delivery box with the heat and freshness preservation function has the heat preservation and refrigeration freshness preservation function, refrigerating and heating are conducted through the characteristics that cooling liquid absorbs heat when being evaporated and dissipates heat when being compressed, the energy utilization rate is increased, the quite environment-friendly energy saving effect is achieved, in addition, the appropriate protecting environment is provided for take-out food, and the quality and taste of the food are ensured.

The invention discloses a user consumption incentive platform and method. The method includes: S1, registering platform accounts by a consumer and a merchant; S2, depositing a principal into the platform by the consumer, and selecting a deposit cycle; S3, returning rebate media to the consumer by the platform according to a principal amount and the deposit cycle; S4, using the rebate media to perform a transaction at the merchant by the consumer, transferring an corresponding amount of the media to the merchant by the consumer according to prices of commodities; and S5, using the media, which are obtain by sale, to perform cash withdrawal on the platform by the merchant. According to the platform of the invention, unified data processing servers and databases of storing data are provided, the merchant completes promotion without the need for increasing investment in hardware devices, and completing rebate operation by the merchant is facilitated. For the consumer, the principal is returned in a full amount, an interest rate is higher than bank interest rates, and the platform brings material benefits and is easy to use; for the merchant, promotion is obtained on the platform by settling the platform, and a transaction amount is greatly increased; and for the platform, profit is obtained through a manner of charging the merchant for a franchise fee, and the benefits are transferred to the consumer to the greatest extent.

A consumer financial transaction system is provided by a lending institution enabling a consumer to make transactions via a transaction device. The system includes a database storage device for maintaining a plurality of databases configured to store information corresponding to both credit and deposit accounts held by each of the consumers with the lending institution. A server maintains a secondary transaction module configured to apportion a withdrawal for a transaction among a consumer's credit account and any other one of the consumer's credit accounts and any of the consumer's deposit accounts maintained by the consumer with the lending institution.

A method for benefiting charitable organizations integrating annuities, mortality contingent bond or other mortality-hedging derivative. A plurality of donors is grouped into a block, each donor in the block selecting at least one benefiting charity. At least one lending entity issues a mortality contingent bond loan or a derivative loan to a qualified tax-exempt charitable organization that then uses funds from the mortality contingent bond loan or the derivative loan to purchase annuities from at least one commercial life insurance company. The donors are named as the annuitants of the annuities. The qualified tax-exempt charitable organization will then use funds from the annuity payments to amortize the mortality contingent bond loan or the derivative loan and will also donate a portion of the annuity payments to the benefiting charities selected by the block of donors. The qualified tax-exempt charitable organization may also donate a portion of funds from the mortality contingent bond loan or the derivative loan to the benefiting charities shortly after funding of the mortality contingent bond loan or the derivative loan.

The invention discloses a moisture soil soil-rice single fertilization technology which includes the steps of rice seedling bed preparation, formulated fertilizer preparation, side deep fertilizer applicator adjustment, rice seedling transplanting and fertilization and field management. Preferably, a monitoring and shooting step adopts a plurality of monitoring cameras, and the rice seedling bed preparation includes the steps of plowing and stubbling, shallow rotary tillage and land flattening and watering. Compared with the prior art, the technology has the advantages that zinc fertilizers and silicon fertilizers needed by rice growth are added, requirements of rice for medium trace elements can be met, the used fertilizers are slowly released and can be prolonged to a fertilizer needingcritical period of rice growth to be released, nutrient absorption of rice can be facilitated, a lot of loss of the fertilizers can be avoided, so that influence of the fertilizers on ecological environments is low, single fertilization is implemented by machinery, and the fertilizers are applied onto root areas of rice seedlings in a concentrated manner, so that labor cost is saved while the utilization rate of the fertilizers is higher.

The invention relates to a soy sauce filtering method comprising the steps that: (1) a soy sauce raw material is added into an additive tank; (2) a filtering aid is added, and stirring is carried out; (3) the stirred slurry is pumped into a candle filter, and primary coating is carried out; (4) the slurry obtained in the step (3) is delivered into the additive tank again, and the filtering aid is supplemented; (5) the slurry obtained after the supplement of the filtering aid is pumped into the candle filter again, and secondary coating is carried out; and (6) the finally obtained soy sauce is clarified and discharged. The adopted filtering aid is perlite, and the ratio of the total weight of the perlite added in two steps to the weight of the soy sauce raw material is 1:30-1:10. Compared with prior arts, the method provided by the invention has the advantages that: (1) on a basis that various indicators such as soy sauce total nitrogen, amino acid nitrogen, salt, sugar content, and pigment content losses are minimized, soy sauce precipitate is reduced; and (2) coating time is short, and production efficiency is high.

The invention relates to a core agent of a magnesium alloy cored wire and a method for using the core agent to manufacture the cored wire. The components of the core agent are as follows: 8-15% of Mg,40-60% of Al, 0-0.03% of S, 0-0.03% of P, and the balance Fe; the components are prepared into granules by die-casting, and the granules are mixed uniformly to be prepared into cored wire powder; andthe cored wire powder is prepared into the cored wire in a winding mode by a cored wire machine. The nominal dimension of the cored wire is phi 13 mm, and the weight of the cored wire is 200-250 g/m.The cored wire is injected into a ladle at a certain speed by a wire feeder; and the cored wire is taken to the position near the bottom of the ladle by molten steel to be gradually molten, and accordingly the core powder of the cored wire is released into the molten steel. Through the action of the cored wire on the molten steel, the purpose of ultra-deep desulfurization of the molten steel is met. By using the cored wire to add alloys of magnesium, aluminum, iron and the like into the molten steel, a good effect is achieved, and the utilization rates of magnesium, aluminum and iron are high.