Feng Ming Zhao

US Patent:

20090313163, Dec 17, 2009

Filed:

Dec 14, 2004

Appl. No.:

11/011651

Inventors:

Ming-huan Wang - Manhasset NY, US
Feng Zhao - Harrison NJ, US

International Classification:

G06Q 40/00
G06N 5/02

US Classification:

705 38, 706 52

Abstract:

In a system for assigning a credit line to a credit card application, the system receives a plurality of credit card applications each having applicant information. For each application, the system retrieves credit bureau information. The applicant information and the credit bureau information are used to model the likely behavior of the corresponding applicant. The applications are clustered into one or more clusters according to the modeled behavior. For each cluster of applications, financial measures are forecasted and analyzed to determine the optimal credit line to assign to the cluster.

US Patent:

20160116139, Apr 28, 2016

Filed:

May 12, 2015

Appl. No.:

14/709618

Inventors:

- Oakland NJ, US
Feng Zhao - Oakland NJ, US

International Classification:

F21V 13/04
F21K 99/00
F21V 17/10
F21V 7/04
F21V 5/04
F21V 5/00

Abstract:

The present disclosure provides an optical system including a TIR mother lens and a secondary output lens, preferably for efficiently distributing light out of an LED track lighting system. The optical system of the present disclosure is configured to create variant beam angles from a lens assembly using the same TIR lens. Preferably, by altering the dimensions and focal lengths of the secondary output lens in a single TIR lens, the optical system can create a variety of beam angles, including, but not limited to, Spot (“SP”), Narrow Flood (“NFL”), Flood (“FL”), or Wide Flood (“WFL”) beam angles.