45results about How to "Excellent in term" patented technology

An individual consumer borrower accessing a person-to-person lending website is provided an opportunity to have a loan request wholly or partially satisfied by a financial institution at loan terms from the financial institution. The financial institution, for example, can receive information about a person-to-person loan request, determine whether to authorize a financial institutional loan, offer a loan to the individual on terms determined by the financial institution, and issue the loan to an individual consumer borrower responsive to approval of the terms. Prior to an auction, the individual consumer can choose an immediate loan offer having financial institution terms or choose to solicit individual consumer loan offers with more favorable terms through the person-to-person lending website. The financial institution can also offer a gap filling loan for a deficiency amount so that the loan request can be partially satisfied by individual consumer loan offers.

The present invention provides methods, systems, and computer program products that are useful for establishing contractual terms and agreements between health care providers and health care payors. For example, one embodiment of the present invention provides a method for predicting a person's payment of a medical debt. Another embodiment of the present invention provides a method for predicting a propensity of a group of one or more health care participants to pay an actual or potential medical debt.

A method of evaluating the quality of a read signal from the viewpoint of the detection margin of a Viterbi decoder in the PRML method in which a target signal level varies depending on the read signal, and an optical disc apparatus implementing the method. A method of evaluating the quality of a signal pattern comprising a combination of minimum run lengths from the viewpoint of edge shift, and an optical disc apparatus implementing the method. From the target signal level that varies depending on the read signal, a target signal is generated based on a decoding result, and an error target signal is generated in which the decoding result is edge-shifted. The signal quality is evaluated by calculating a Euclidean distance between these signals and the read signal. A virtual state that is not included in the Viterbi decoder and that is less than the minimum run length is defined, and a target signal level for the virtual state is generated using a target signal level table inside the Viterbi decoder, based on the concept of convolution. In this way, the signal quality can be evaluated by the same method as mentioned above even in cases where the pattern of a combination of the minimum run lengths has edge-shifted.

In a wind power installation with a (hollow) axis tube member and a hollow shaft mounted thereon for the rotor there is provided only a single bearing which also carries moments, between the axis tube member and the hollow shaft, whereby the parts of the machine which are to be fixed to the machine carrier and thus on the top of the pylon are of a markedly lower weight without the required orientation between the rotating and stationary parts of the electrical generator being adversely affected. In that arrangement the rotating part of the generator is radially aligned substantially with the bearing. The bearing to be used is in particular a twin-row inclined roller bearing with rows of rollers arranged at an angle of about 45° relative to each other.

The present invention is characterized in that, in a powder magnetic core obtained by compaction of an iron-based magnetic powder covered with an insulation film, a saturation magnetization Ms is Ms>=1.9 T in a 1.6 MA/m magnetic field; a specific resistance rho is rho>=1.5 muOmegam; a magnetic flux density B2k is B2k>=1.1 T in a 2 kA/m magnetic field; and a magnetic flux density B10k is B10k>=1.6 T in a 10 kA/m magnetic field. In accordance with the present invention, it has been possible to industrially carry out compacting iron-based magnetic powders under remarkably high compacting pressures. As a result, high-performance powder magnetic cores are obtained which have a high density, and which are good in terms of the specific resistance and magnetic permeability.

Methods for managing a financial account is provided. A plurality of tiers are created within the financial account, the plurality of tiers including at least a first tier and a second tier. Funds held in the second tier are subjected to more favorable terms than funds held in the first tier. Using a computer, the an amount of funds that have remained in the first tier for a first tenure period is determined. The tenured funds are graduated from the first tier to the second tier. A request to withdraw funds from the account is received. Using a computer, funds are withdrawn from the first tier before funds are withdrawn from the second tier.

An electrode material which can improve the mobility of electrons and the mobility of ions at the same time, and, furthermore, does not have a problem of the impairment of the diffusion of lithium ions in a thin layer containing a carbonaceous electron-conductive substance so as to be excellent in terms of load characteristics and energy density, and an electrode and a lithium ion battery are provided.

The electrode material of the invention is produced by forming a thin layer made of a carbonaceous electron-conductive substance on surfaces of primary particles made of an electrode active material, in which the carbonaceous electron-conductive substance contains nitrogen atoms.

The imprint apparatus of the present invention molds an uncured resin on a substrate using a mold to form a resin pattern on the substrate. The apparatus includes a measuring device configured to project a light onto the mold, to receive a light scattered by the mold, and to measure the scattered light; and a controller. The controller is configured to store a reference signal, to cause the measuring device to measure the mold to obtain a measurement signal, and to obtain an index indicating a discrepancy between the measurement signal and the reference signal.

A method and system for electronically facilitating real estate transactions by providing accurate representations of the loans a borrower is qualified to receive, which are based on actual data, rather than estimates. All actions required for completing the real estate transaction, from entry of the borrower information to the closing and funding of the loan, are seamlessly integrated. An automated underwriting engine is provided for generating a decision matrix based on user input and/or existing data. An appropriate loan is selected based on the decision matrix, and is communicated to a potential borrower. After a loan is selected, fulfillment processing is performed, and the loan is funded and closed.

A flow passage switching unit includes a valve body in which plural ports are formed, a spool arranged slidably in axial directions in the interior of the valve body, a spool drive unit for driving the spool in an A direction, a biasing mechanism that is configured to bias the spool elastically in the interior of the valve body, and a piston section that exerts a force on the spool in a B direction based on the pressure of a first output port.

A battery module is disclosed for a high voltage battery pack The battery module is configured so that a plurality of holder plates and a plurality of battery cells are stacked in a vertical direction, thus preventing a defective product from being produced due to incorrect assembly, and a required number of battery cells is stacked to be modularized, thus being advantageous in terms of a package and improving the cooling performance of the battery cells.

A method of manufacturing a solid-state image sensor having a first charge accumulation region, a second charge accumulation region, includes implanting ions into a semiconductor substrate through first and second openings of a mask to form the first and second charge accumulation regions. The implanting ions includes a first implantation of implanting ions into a portion below a first transfer gate, and a second implantation of implanting ions into a portion below a second transfer gate in a direction different from a direction of the first implantation.

A photomask for exposing a region on a substrate, with a mask pattern, including a first line pattern, a second line pattern, a first connection pattern for a peripheral portion of the region and a second connection pattern for the peripheral portion, wherein the first connection pattern is wider than the first line pattern and the second connection pattern is wider than the second line pattern, a distance from a virtual line between the first line pattern and the second line pattern to a center line of the first connection pattern is larger than a distance from the virtual line to a center line of the first line pattern and a distance from the virtual line to a center line of the second connection pattern is larger than a distance from the virtual line to a center line of the second line pattern.

It is very difficult to schedule a single-arm cluster tool with wafer revisiting such that wafer residency time constraints are satisfied. The present invention conducts a study on this challenging problem for a single-arm cluster tool with atomic layer deposition (ALD) process. With a so called p-backward strategy being applied, a Petri net model is developed to describe the dynamic behavior of the system. Based on the model, existence of a feasible schedule is analyzed, schedulability conditions are derived, and scheduling algorithms are presented if there is a schedule. A schedule is obtained by simply setting the robot waiting time if schedulable and it is very computationally efficient. The obtained schedule is shown to be optimal. Illustrative examples are given to demonstrate the proposed approach.

The present invention provides a method of producing high-purity hydroxypivalaldehyde and/or dimer thereof, including: reacting isobutyl aldehyde with formaldehyde in a presence of a basic catalyst; distilling a low boiling point component including unreacted isobutyl aldehyde to obtain an aqueous solution; adding a diluent to the aqueous solution; cooling the aqueous solution to crystallize the hydroxypivalaldehyde and/or the dimer thereof; and subjecting the aqueous solution to a solid-liquid separation, followed by washing with an organic solvent and/or water, in which the diluent and a basic compound are added to the aqueous solution containing the hydroxypivalaldehyde and/or the dimer thereof obtained by distilling the low boiling point component off so that a concentration of the hydroxypivalaldehyde and/or the dimer becomes 5 to 23% by mass, the concentration of formaldehyde becomes 0.2 to 2.5% by mass, and a pH value becomes 5.0 or more, the solution is crystallized at a temperature of 20 to 45° C. and subjected to the solid-liquid separation. In this method, handling of a high-viscosity slurry and carrying out any complicated operation such as regeneration of an ion exchange resin are not required, so the high-purity HPA and/or the dimer thereof can be obtained in high yield with an energetically advantageous manner.