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    • 92. 发明授权
    • Systems and methods for financial stress testing
    • 财务压力测试的系统和方法
    • US08271367B1
    • 2012-09-18
    • US13105445
    • 2011-05-11
    • Todd M. Classen
    • Todd M. Classen
    • G06Q40/00
    • G06Q40/00
    • Embodiments provide computerized stress testing for evaluating the effect of changes in the financial position of one or more borrowers. A stressed financial parameter (e.g., a risk rating or financial ratio) is generated for a borrower based on a selection of a borrower account type, a stress amount for applying to the account type, and additional financial inputs corresponding to the borrower. In some cases the stressed financial parameter is generated as a function of an unstressed financial parameter for the borrower, the stress amount, a numerator factor corresponding to the selected account type, and a denominator factor corresponding to the selected account type. Systems, methods, and computer-readable media are provided with the stress testing functionality.
    • 实施例提供计算机化压力测试,以评估一个或多个借款人的财务状况变化的影响。 基于借款人账户类型的选择,应用于账户类型的压力金额和对应于借款人的额外财务投入,为借款人生成强调的财务参数(例如,风险评级或财务比率)。 在某些情况下,强制财务参数是根据借款人的不受压力的财务参数生成的,应力量,与所选账户类型相对应的分子因子,以及与所选账户类型对应的分母因子。 系统,方法和计算机可读介质具有压力测试功能。
    • 96. 发明授权
    • Protective helmet
    • 防护头盔
    • US08166574B2
    • 2012-05-01
    • US12514282
    • 2007-10-26
    • Andreas Hassler
    • Andreas Hassler
    • A42B3/12
    • A42B3/125
    • The invention relates to a protective helmet (10), particularly for motorcyclists or the like, having an exterior casing particularly configured as an exterior shell (11), and a lining element arrangement (12), which is received in the exterior casing and lines the same at least in some regions, wherein the lining element arrangement (12) has at least two lining elements, wherein at least one lining element is configured as a cushion element (14) filled with filling bodies (21), and at least one further lining element is configured as a lining shell element (17), wherein the cushion element (14) is surrounded at least along its contour by at least one lining shell element (17), which at least partially supports a contour surface of the cushion element (14).
    • 本发明涉及一种特别用于摩托车手等的防护头盔(10),其具有特别构造为外壳(11)的外壳,以及容纳在外壳和线中的衬垫元件装置(12) 至少在一些区域中相同,其中所述衬里元件布置(12)具有至少两个衬里元件,其中至少一个衬垫元件构造成填充有填充体(21)的缓冲元件(14),以及至少一个衬垫元件 进一步的衬里元件构造成衬里壳体元件(17),其中缓冲元件(14)至少沿着其轮廓被至少一个衬里壳体元件(17)包围,所述至少一个衬里壳体元件至少部分地支撑衬垫的轮廓表面 元件(14)。
    • 99. 发明授权
    • Reference electrode including electrolyte containing optically-active material and automatic electrochemical potential correction apparatus using the same
    • 包括含有光学活性材料的电解质的参比电极和使用其的自动电化学电位校正装置
    • US08016992B2
    • 2011-09-13
    • US12470838
    • 2009-05-22
    • Jei-Won YeonIn-Kyu ChoiWon-Ho KimKyuseok Song
    • Jei-Won YeonIn-Kyu ChoiWon-Ho KimKyuseok Song
    • G01N27/333G01N27/26G01N21/01
    • G01N27/301
    • Disclosed herein is a reference electrode including an electrolyte containing an optically-active material, including: an electrode body provided at an end thereof with an electrolyte separation membrane and charged therein with an optically-active material and an electrolyte solution; an inner electrode disposed in the electrode body to be immersed in the electrolyte solution; and an absorbance measurement probe for transmitting light to the electrolyte solution and collecting reflected light waves, which is disposed in the electrode body to be immersed in the electrolyte solution. Since the concentration of an electrode reaction material, such as Cl−, in the electrolyte is calculated using the absorbance of the electrolyte solution containing the optically-active material, the change in potential of the reference electrode can be properly corrected even when the reference electrode is exposed to a test environment for a long period of time and thus the concentration of the electrolyte changes. Thus, the functions of the reference electrode can be maintained for a long period of time, thereby rapidly monitoring the abnormal states caused by damage to the reference electrode.
    • 本文公开了一种包括含有光学活性材料的电解质的参比电极,包括:电极体,其末端设置有电解质分离膜,并在其中装入光学活性材料和电解质溶液; 设置在所述电极体中以浸入所述电解质溶液中的内部电极; 以及用于将光透射到电解质溶液并收集被设置在电极体中以浸没在电解质溶液中的反射光波的吸光度测量探针。 由于使用含有光学活性物质的电解液的吸光度来计算电解质中的电极反应物质如Cl-的浓度,因此即使参考电极 长时间暴露于测试环境,因此电解质的浓度变化。 因此,可以长时间保持参考电极的功能,从而快速监视由参考电极损坏引起的异常状态。