Patents by Inventor Wei Yan Lu

Wei Yan Lu has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Evaluating Loan Access Using Online Business Transaction Data
    Publication number: 20110166987
    Abstract: A method and a loan access evaluation system use a loan applicant's actual business transaction information received from an online business system on which the loan applicant conducts business. In addition to the information of the loan applicant's owner, other general background business information and historical business information of the loan applicant, the method and the system obtain detailed transaction data of the loan applicant on e-commerce systems or platforms and banks, and thus have access to dynamic business data of the applicant for a more reliable loan access appraisal.
    Type: Application
    Filed: September 28, 2009
    Publication date: July 7, 2011
    Applicant: Alibaba Group Holding Limited
    Inventors: Xiaoming Hu, Feng Li, Xin Yu Peng, Jing Gao, Wei Yan Lu, Zhengwei Zhang, Jinyin Zhang, Jian Shi, Guo dong Fan