Note: Descriptions are shown in the official language in which they were submitted.
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Big-Data-Based Loan Method And System
[1] [Technical Field]
[2] The present invention relates to the field of financial management
technology, and more
particularly to a big data based loan method and system.
[3] [Background Technology]
[4] With the rapid development of online transactions, a variety of new
types of loan
businesses such as microfinance and online shop loans have emerged. Usually,
the lender
needs to provide loan application information according to the requirements of
the bank or
financial institution, and the lender can obtain the loan after waiting for
the approval of the
bank or financial institution. In order to circumvent loan risks, banks or
other financial
institutions will require lenders to have good credit and certain loan
repayment ability.
According to the lender's credit and loan repayment ability of the lender, how
to effectively
reduce the approval time of the loan to speed up the lending speed has become
a technical
problem concerned by the lender.
[5] [Summary of the Invention]
[6] Based on this, it is necessary to provide a method and system for
lending big data based on
the above technical problems, which can effectively reduce the loan approval
time and
speed up the lending rate.
[7] A big data based loan method, including:
[8] Obtain the dynamic information certificate of the completed transaction
[9] Obtaining big data information managed by the merchant according to the
dynamic
information certificate of the completed transaction, wherein the big data
information
includes the merchant's asset information and credit information;
[10] Extracting an amount of money corresponding to the asset information
and a credit rating
corresponding to the credit information;
[11] Judging whether the amount is greater than or equal to a preset quota
and whether the
credit rating is greater than or equal to a preset level; and
[12] If the amount is greater than or equal to a preset quota and the
credit rating is greater than
or equal to a preset level, the merchant is notified to issue a loan.
[13] A big data based loan system, the system including a server, the
server including a
processor and a non-volatile storage medium, the processor also including:
[14] The acquisition module is coupled with the non-implementable storage
medium for
obtaining the dynamic information certificate of the completed transaction;
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[15] The statistics module is coupled to the non-volatile storage medium
and is used to obtain
big data information managed by the merchant according to the dynamic
information
certificate of the completed transaction, wherein the big data information
includes the
merchant's asset information and credit information;
[16] The extracting module is coupled with the non-implementable storage
medium, and is used
to extract an amount corresponding to the asset information and a credit
rating
corresponding to the credit information;
[17] A judging module is coupled to the non-volatile storage medium and is
used to judge
whether the amount of money is greater than or equal to a preset amount and
whether the
credit grade is greater than or equal to a preset level;
[18] The notification module is coupled to the non-volatile storage medium,
and is used for
notifying the merchant to issue a loan if the amount is greater than or equal
to a preset
quota and the credit rating is greater than or equal to a preset rating.
[19] A big data based loan system, the system includes a server, the server
includes a processor
and a non-volatile storage medium, and the non-volatile storage medium stores
therein an
instruction. When executed, the processor may cause the processor to perform
the steps of:
[20] Obtain the dynamic information certificate of the completed
transaction
[21] Obtaining big data information managed by the merchant according to
the dynamic
information certificate of the completed transaction, wherein the big data
information
includes the merchant's asset information and credit information;
[22] Extracting an amount of money corresponding to the asset information
and a credit rating
corresponding to the credit information;
[23] Determining whether the amount is greater than or equal to a preset
quota and whether the
credit rating is greater than or equal to a preset level;
[24] If the amount is greater than or equal to a preset quota and the
credit rating is greater than
or equal to a preset level, the merchant is notified to issue a loan.
[25] A computer non-volatile storage medium containing computer executable
instructions for
performing a big data based loan method, the method including the following
steps:
[26] Obtain the dynamic information certificate of the completed
transaction
[27] Obtaining big data information managed by the merchant according to
the dynamic
information certificate of the completed transaction, wherein the big data
information
includes the merchant's asset information and credit information;
[28] Extracting an amount of money corresponding to the asset information
and a credit rating
corresponding to the credit information;
[29] Determining whether the amount is greater than or equal to a preset
quota and whether the
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credit rating is greater than or equal to a preset level;
[30] If the amount is greater than or equal to a preset quota and the
credit rating is greater than
or equal to a preset level, the merchant is notified to issue a loan.
[31] The method and system of lending based on big data to obtain the
dynamic information
certificate of the completed transaction; According to the statistics of the
dynamic
information certificate of the completed transaction, the big data information
of the
merchant is obtained. The big data information includes the merchant's asset
information
and credit Information; extracting an amount corresponding to the asset
information and a
credit rating corresponding to the credit information; determining whether the
amount is
greater than or equal to a preset limit and whether the credit rating is
greater than or equal
to a preset level; and if yes, notifying the merchant to issue a loan. Because
the big data
information is based on the statistics of the dynamic information certificate
that the
merchant has completed the transaction, the asset information and credit
information in the
big data information can reflect the business status and credit status of the
merchant. If the
amount corresponding to the asset information is greater than or equal to the
preset quota
and the corresponding level of the credit information is greater than or equal
to the preset
level to indicate that the business status and credit status of the merchant
are good and the
loan repayment ability is certain and then the merchant is notified to issue
the loan,
provides strong data support for banks or other financial institutions to
issue loans to
businesses. This can help banks or other financial institutions to effectively
reduce the loan
approval time to speed up the lending speed.
[32] [Brief Description]
[33] In order to specifically illustrate the examples of the invention or
the technical solutions in
the current technology, the following drawings, which are to be used in the
description of
the examples or the current technology, will be briefly described, and it will
be apparent
that the following accompanying drawings, which are merely exemplary of the
invention,
may be made by those of ordinary skill in the art in view of the accompanying
drawings, in
which the drawings of other examples may be obtained without departing from
the
inventive work.
[34] Figure 1 is an application environment diagram of a big data based
loan method in one
example;
[35] Figure 2 is a flowchart of a big data based loan method in one
example;
[36] Figure 3 is a flowchart of a big data based loan method in still
another example;
[37] Figure 4 is a schematic structural diagram of a big data based loan
system in one example;
[38] Figure 5 is a schematic structural diagram of a big data based loan
system in still another
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example;
[39] Figure 6 is a schematic structural diagram of a big data based loan
system in another
example;
[40] Figure 7 is a schematic structural diagram of a big data based loan
system in still another
example;
[41] Figure 8 is a schematic structural diagram of a generating module in
an example;
[42] Figure 9 is a schematic diagram of the internal structure of a server
in one example.
[43] [Description of the Preferred Examples]
[44] The method provided by the example of the present invention can be
applied to an
application environment as shown in Figure I. The first terminal 102
communicates with
the bank server 104 over the network 108. The first terminal 102 communicates
with the
second terminal 106 over the network 110. The first terminal 104 delivers the
commodity
information data to the bank server 104 through the network 108, and the bank
server 104
generates and displays the corresponding dynamic information certificate. The
first
terminal 102 obtains these dynamic information certificates and distributes
them over the
network 110 using the installed application. The second terminal 106 acquires
the dynamic
information certificate issued by the first terminal 102 and completes the
transaction on the
specified dynamic information certificate. The first terminal 102 delivers the
relevant
information of the dynamic information certificate of the completed
transaction to the bank
server 104. The bank server 104 obtains the management big data information of
the
merchant corresponding to the first terminal 102 according to the statistics
of the dynamic
information certificate of the completed transaction and determines whether
the merchant
corresponding to the first terminal 102 has the loan conditions according to
the big data
information. If there is a loan condition, the bank server 104 notifies the
merchant to issue
a loan. This can help banks or other financial institutions to effectively
reduce the loan
approval time to speed up the lending speed.
[45] Figure 2 is a schematic flowchart of a big data-based loan method
provided in an example.
It should be understood that although the steps in the flowchart of Figure 2
are sequentially
displayed as indicated by the arrows, these steps are not necessarily
sequentially performed
in the order indicated by the arrows. Unless clearly stated herein, the
execution of these
steps is not strictly restrictive and may be performed in other order.
Moreover, at least a
portion of the steps in Figure 2 may include a plurality of sub-steps or
stages that are not
necessarily executed at the same time, but may be executed at different times,
and the order
of execution is not necessarily in turn, but may be carried out alternately or
alternately with
at least a portion of the steps or stages of the other steps or other steps.
The method is
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applied to a bank server as an example for illustration, and specifically
includes the
following steps:
[46] Step 202: Obtain the dynamic information certificate of the completed
transaction.
[47] Dynamic information certificate is a collection of information,
including commodity
information, transaction information, logistics information, order information
and so on.
Each dynamic information certificate corresponds to a commodity.
[48] In one of the examples, the bank server provides the data platform
corresponding to the
dynamic information certificate to a plurality of merchants, and the merchant
inputs the
information of the dynamic information certificate of the completed
transaction to the data
platform. In another example, the merchant launches the data interface of the
dynamic
information certificate for the bank server so that the bank server can obtain
the dynamic
information certificate that the merchant has successfully traded.
[49] Step 204, according to the statistics of the dynamic information
certificate of the completed
transaction, the big data information of the merchant is obtained, and the big
data
information includes the merchant's asset information and credit information.
[50] After completing the transaction, the commodity will add the
corresponding information to
the transaction information, logistics information and order information in
the information
in the dynamic information certificate after completing the transaction. With
the growth of
sales of commodity, it gradually forming a large number of businesses
operating big data.
The dynamic information certificate of completed transactions available to the
bank server
can be multiple businesses. Dynamic information certificate has a unique
identifier that can
be used to determine the business to which the dynamic information certificate
belongs.
Therefore, the dynamic information certificate of a large number of completed
transactions
can be respectively identified according to the identifier of the dynamic
information
certificate, that is, the dynamic information certificate that can obtain the
completed
transaction of each merchant. And then be able to get statistics for each
business big data
information.
[51] Step 206: Extract an amount of money corresponding to the asset
information and a credit
rating corresponding to the credit information.
[52] The big data information that each merchant operates includes the
merchant's asset
information and credit information. Asset information refers to the business
income and
other information, which can include a number of elements, such as sales
revenue, gross
profit and so on. Credit information is used to evaluate the business credit
information.
After the dynamic information certificate completes the transaction, the buyer
can make a
credit evaluation of the completed transaction. Credit information includes a
number of
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content, such as commodity description, business attitude, business delivery
speed, the
buyer can score each item in the credit information and add all the scores to
the merchant's
total credit score. By comparing the credit score of the business with the
score
corresponding to the preset rating, the credit rating of the business can be
determined.
Therefore, the amount of the asset information corresponding to the credit
rating and credit
rating corresponding to the bank or other financial institutions to provide
loans to
businesses provide a strong data support.
[53] Step 208, determining whether the amount of money is greater than or
equal to the preset
amount and whether the credit level is greater than or equal to the preset
level; if the
amount is greater than or equal to the preset amount and the credit level is
greater than or
equal to the preset level, proceeding to step 208; otherwise, end.
[54] The amount corresponding to the asset information may be the sales
revenue within the
first preset time, the gross profit, etc., for example, the total sales
revenue pushed forward 2
years from the date of applying for a loan. Credit information corresponding
level is the
credit rating of the business, for example, 3 stars. According to the bank
loan regulations,
the loan conditions can be set in advance for the merchants who have applied
for the loan.
The preset loan condition may be that the amount corresponding to the asset
information is
greater than or equal to the preset limit and the level corresponding to the
credit
information is greater than or equal to the preset level.
[55] Step 210, notify the merchant to issue a loan.
[56] The bank server notifies the merchant to issue a loan if the merchant
reviews the pre-set
loan terms. This effectively saves the bank or other financial institutions
loan approval
time.
[57] In this example, obtain the dynamic information certificate of the
completed transaction;
According to the statistics of the dynamic information certificate of the
completed
transaction, the big data information of the merchant is obtained. The big
data information
includes the merchant's asset information and credit Information; extracting
an amount
corresponding to the asset information and a credit rating corresponding to
the credit
information; determining whether the amount is greater than or equal to a
preset limit and
whether the credit rating is greater than or equal to a preset level; and if
yes, notifying the
merchant to issue a loan. Because the big data information is based on the
statistics of the
dynamic information certificate that the merchant has completed the
transaction, the asset
information and credit information in the big data information can reflect the
business
status and credit status of the merchant. If the amount corresponding to the
asset
information is greater than or equal to the preset limit and the corresponding
level of the
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credit information is greater than or equal to the preset level to indicate
that the business
status and credit status of the merchant are good and have a certain repayment
ability,
provides strong data support for banks or other financial institutions to
issue loans to
businesses, and then informing businesses to issue loans, which can help banks
or financial
institutions to effectively reduce the loan approval time to speed up the
lending speed.
[58] In one example, after the step of extracting the credit level
corresponding to the credit
information and the amount corresponding to the asset information, the method
further
includes: calculating a trade satisfaction rate of the merchant by using the
credit
information; if the amount is greater than or equal to the preset credit and
the credit If the
level is greater than or equal to the preset level, then further determine
whether the
transaction satisfaction rate is greater than or equal to the preset ratio; if
yes, notify the
merchant to issue the loan.
[59] In this example, the buyer can score each credit information, and if
each item has a full
score, the buyer is satisfied with the transaction. Each merchant's credit
information is
scored as a full score transaction, and the ratio of all points with full
score and all trading
data is calculated to get the transaction satisfaction rate of merchants. The
transaction
satisfaction rate of the business can directly reflect the buyer's
satisfaction with the
business operation. If the satisfaction rate of the transaction is high, it
indicates the buyer's
recognition of the operation of the merchant, thus further reflecting the good
credit status
and operating conditions of the merchants.
[60] A flowchart of a method for lending a big data based on this example
is shown in Figure 3:
[61] Step 302: Obtain the dynamic information certificate of the completed
transaction.
[62] Step 304, according to the statistics of the dynamic information
certificate of the completed
transaction, the big data information of the merchant is obtained, and the big
data
information includes the merchant's asset information and credit information.
[63] Step 306: Extract an amount of money corresponding to the asset
information and a credit
rating corresponding to the credit information.
[64] Step 308, using the credit information to calculate the transaction
satisfaction rate of the
merchant.
[65] Step 310, determining whether the amount of money is greater than or
equal to the preset
amount and whether the credit level is greater than or equal to the preset
level; if the
amount is greater than or equal to the preset amount and the credit level is
greater than or
equal to the preset level, proceeding to step 312; otherwise, end.
[66] Step 312, determining whether the transaction satisfaction rate is
greater than or equal to
the preset ratio; if yes, proceeding to step 314; otherwise, ending.
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[67] Step 314, notify the merchant to issue a loan.
[68] In one example, before the step of obtaining the dynamic information
certificate of the
completed transaction, the method further includes: generating a dynamic
information
certificate of the merchant; displaying the dynamic information certificate so
that the first
terminal obtains the dynamic information certificate and passes the first
application
installed on the terminal issues the dynamic information certificate, and
enables the second
terminal to complete the transaction on the specified dynamic information
certificate by
obtaining the dynamic information certificate issued by the first terminal.
[69] In this example, the merchant's dynamic information certificate is
generated by the bank
server. After the bank server generates the dynamic information certificate of
the merchant,
it only displays the dynamic information certificate and does not participate
in the
transaction of the dynamic information certificate. Specifically, the merchant
can use the
first terminal to obtain the dynamic information certificate displayed on the
bank server.
Applications installed on the first terminal can publish dynamic information
certificate
obtained from the bank server over the network. The buyer acquires the dynamic
information certificate issued by the first terminal by using the second
terminal, and
transacts the specified dynamic information certificate. After the transaction
is completed,
the merchant delivers the commodity directly. The third-party logistics
platform can
provide the first terminal of the merchant with the logistic information data
interface, so
that the physical information can be added timely in the dynamic information
certificate of
the transaction. After the buyer finishes the payment, receives the commodity,
and does not
return within the second preset time, the transaction is deemed to have been
completed.
After the transaction is completed, the buyer can make a credit rating on the
completed
transaction.
[70] Further, sellers purchase through the bank server, and the purchased
commodity are the
dynamic information certificate displayed on the bank server. Merchants here
can be
understood as producers, sellers can be understood as small businesses.
Specifically, the
seller acquires the dynamic information displayed on the bank server by using
the third
terminal, and posts the obtained dynamic information certificate over the
network by using
the application installed on the third terminal. The buyer acquires the
dynamic information
certificate issued by the third terminal by using the second terminal, and
transacts the
specified dynamic information certificate. This will facilitate the seller as
a small business
can be flexible and easy to participate in online transactions.
[71] In one example, before the step of obtaining the dynamic information
certificate of the
completed transaction, the method further includes: generating and displaying
the dynamic
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information certificate of the merchant; receiving a transaction instruction
of the second
terminal for specifying the dynamic information certificate; and according to
the
transaction the instruction completes the transaction of the second terminal
to the specified
dynamic information certificate.
[72] In this example, the bank server displays the dynamic information
certificate after
generating the dynamic information certificate of the merchant. The buyer can
directly use
the second terminal to deliver a transaction instruction to the bank server to
specify the
dynamic information certificate, and the bank server completes the transaction
on the
specified dynamic information certificate according to the transaction
instruction. Since the
bank server can generate the dynamic information certificate after generating
the dynamic
information certificate of the merchant, the bank server does not need to
purchase the
commodity. After receiving the transaction instruction, the transaction to the
specified
dynamic information certificate can be completed, thereby enabling the bank
server to take
on the role of E-commerce and thus open up a new type of shopping.
[73] In one example, after generating the dynamic information certificate
of the merchant, the
bank server directly returns these dynamic information certificates to the
merchant instead
of displaying these dynamic information certificates. The merchant uses the
application
installed on the first terminal to publish the dynamic information certificate
over the
network. The seller uses the application installed on the third terminal to
obtain the
dynamic information certificate issued by the first terminal, and may
redistribute and
forward the dynamic information certificate. The buyer can use the second
terminal to
trade the dynamic information certificate issued by the first terminal, and
can also trade the
dynamic information certificate issued by the third terminal. After the
transaction is
completed, the merchant inputs the relevant information of the dynamic
information
certificate of the completed transaction into the bank server to provide the
data platform
corresponding to the dynamic information certificate for the plurality of
merchants, so that
the bank server can obtain the relevant information of the dynamic information
certificate
of the completed transaction.
[74] In one of the examples, the step of generating the dynamic information
certificate for the
merchant comprises: obtaining commodity information data; and generating a
corresponding dynamic information certificate according to the commodity
information
data. The server provides the dynamic information certificate setting page,
and the
merchant uses the first terminal to input the merchandise information data on
the dynamic
information certificate setting page, where the information data includes
merchant
information, commodity information, transaction rules, payment information,
and physical
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information. The server generates the corresponding dynamic information
certificate
according to the commodity information data input by the first terminal. Each
dynamic
information certificate has a unique identification, which can be the number
of the dynamic
information certificate, etc. Each dynamic information certificate corresponds
to only one
or a group of commodity, and can determine the business to which dynamic
information
certificate belongs according to the identifier. In another example, the
merchant may
deliver a request for generating the dynamic information certificate to the
bank server by
using an application (Application, App for short) installed on the first
terminal, and then
use the application to submit the information data to the bank server. The
bank server
generates the corresponding dynamic information certificate according to the
information
data submitted by the application program. After generating the dynamic
information
certificate, the bank server delivers a notification to the second terminal
that the dynamic
information certificate has been successfully generated.
[75] In one example, as shown in Figure 4, a big data based loan system is
provided. The
system includes a server, the server includes a processor and a non-volatile
storage
medium, and the processor further includes: an acquisition module 402, a
statistics module
404, an extraction module 406, a judgement module 408 and a notification
module 410,
wherein:
[76] The acquisition module 402 is coupled with the non-volatile storage
medium for obtaining
the dynamic information certificate of the completed transaction.
[77] The statistics module 404 is coupled to the non-volatile storage
medium and used to obtain
the big data information managed by the merchant according to the dynamic
information
certificate of the completed transaction. The big data information includes
the merchant's
asset information and credit information.
[78] The extracting module 406 is coupled with the non-implementable
storage medium, and is
used to extract an amount corresponding to the asset information and a credit
rating
corresponding to the credit information.
[79] The judging module 408 is coupled to the non-volatile storage medium
and is used to judge
whether the amount of money is greater than or equal to a preset amount and
whether the
credit grade is greater than or equal to a preset level.
[80] The notification module 410 coupled to the non-volatile storage
medium, and is used for
notifying the merchant to issue a loan if the amount is greater than or equal
to a preset
quota and the credit rating is greater than or equal to a preset rating.
[81] In one example, as shown in Figure 5, the system further includes: a
calculating module
412 coupled with the non-implementable storage medium and configured to
calculate the
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transaction satisfaction rate of the merchant by using credit information; and
the judging
module 408 is further configured to, if the transaction satisfaction rate is
greater than or
equal to the preset limit and the credit rating is greater than or equal to
the preset level,
then it is further determined whether the transaction satisfaction rate is
greater than or
equal to the preset ratio; and the notification module 410 is also used to
notify the merchant
to make a loan if the transaction satisfaction rate is greater than or equal
to the preset
proportion.
[82] In one example, as shown in Figure 6, the system further includes: a
generating module
414 and a displaying module 416, wherein:
[83] The generating module 414 is coupled to the non-volatile storage
medium for generating
dynamic information certificate of the merchant;
[84] The presentation module 416 is coupled to the non-volatile storage
medium for displaying
the dynamic information certificate, so that the first terminal obtains the
dynamic
information certificate and issues the dynamic information certificate through
the
application installed on the first terminal, so that the second terminal
completes the
transaction on the specified dynamic information certificate by obtaining the
dynamic
information certificate issued by the first terminal.
[85] In an example, the generating module 414 is further configured to
generate the dynamic
information certificate of the merchant. The displaying module 416 is f also
used to display
the dynamic information certificate. As shown in Figure 7, the system further
includes: a
receiving module 418 and a trading module 420, of which:
[86] The receiving module 418 is coupled to the non-volatile storage medium
and is used to
receive a transaction instruction from the second terminal for specifying
dynamic
information certificate.
[87] The transaction module 420 is coupled to the non-volatile storage
medium for completing
the transaction of the second terminal for the specified dynamic information
certificate
according to the transaction instruction.
[88] In an example, as shown in Figure 8, the generating module 414
includes: an obtaining unit
414a and a generating unit 414b, wherein:
[89] Obtaining unit 414a is used for obtaining commodity information data;
[90] A generating unit 414b is used to generate a corresponding dynamic
information certificate
according to the commodity information data.
[91] A big data based loan system, the system includes a server, the server
includes a processor
and a non-volatile storage medium, and the non-volatile storage medium stores
therein an
instruction. When executed, the processor may cause the processor to perform
the steps of:
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[92] Obtain the dynamic information certificate of the completed
transaction
[93] Obtaining big data information managed by the merchant according to
the dynamic
information certificate of the completed transaction, wherein the big data
information
includes the merchant's asset information and credit information;
[94] Extracting an amount of money corresponding to the asset information
and a credit rating
corresponding to the credit information;
[95] Determining whether the amount is greater than or equal to a preset
quota and whether the
credit rating is greater than or equal to a preset level;
[96] If the amount is greater than or equal to a preset quota and the
credit rating is greater than
or equal to a preset level, the merchant is notified to issue a loan.
[97] As shown in Figure 9, which is an internal structure of a server in
one example, the server
includes a processor, a non-volatile storage medium, a memory, and a network
interface
connected through a system bus. Wherein, the non-volatile storage medium of
the server
stores an operating system, a database and a loan processing device for
implementing a big
data-based loan method suitable for a server. The processor of the server is
used to provide
calculation and control capabilities to support the operation of the entire
server. The
server's memory provides an environment for the operation of big data-based
loan
processing devices in non-volatile storage media. The server's network
interface is used to
communicate with an external terminal through a network connection, such as
obtaining
dynamic information certificate of the completed transaction. The server can
be
implemented as a separate server or multiple servers, for example, the server
can include a
loan processing server and a storage server.
[98] In addition, there is provided a computer non-volatile storage medium.
[99] A computer non-volatile storage medium containing computer executable
instructions for
performing a big data based loan method, the method including the following
steps:
[100] Obtain the dynamic information certificate of the completed transaction
[101] Obtaining big data information managed by the merchant according to the
dynamic
information certificate of the completed transaction, wherein the big data
information
includes the merchant's asset information and credit information;
[102] Extracting an amount of money corresponding to the asset information and
a credit rating
corresponding to the credit information;
[103] Determining whether the amount is greater than or equal to a preset
quota and whether the
credit rating is greater than or equal to a preset level;
[104] If the amount is greater than or equal to a preset quota and the
credit rating is greater than
or equal to a preset level, the merchant is notified to issue a loan.
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[105] The technical features of the examples described above can be
arbitrarily combined. In
order to simplify the description, there doesn't describe all the possible
combinations of the
various technical features in the above examples, however, as long as the
combination of
these technical features, which does not exist a contradiction, should be
considered the
scope of this Specification.
[106] The above-described examples show only a few methods of execution of the
present
invention, and its descriptions are comparatively specific and detailed,
however, it can not
to be construed as a limitation of the scope of the invention patent. It
should be noted that
various modifications and improvements can be made by those skilled in the
field without
departing from the inventive concept, which belong to the protection scope of
the present
invention. Accordingly, the protection scope of patent of the present
invention should be
measured by the appended claims.
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