For the Inventor, By the Inventor

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Burbank, CA, United States of America

Zestfinance, Inc.

USPTO Granted Patents = 25

Trademarks = 5

Forward Citations = 11

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56 inventors (with patents filed for the assignee):

Sean Javad Kamkar (17 out of 17 patents)

Jerome Louis Budzik (15 out of 31 patents)

John W L Merrill (8 out of 10 patents)

4. John J Beahan (7 out of 7 patents)

5. John Wickens Lamb Merrill (7 out of 10 patents)

6. John Joseph Beahan, Jr (6 out of 6 patents)

7. Douglas C Merrill (6 out of 6 patents)

8. John Candido (6 out of 6 patents)

9. Feng Li (5 out of 5 patents)

10. Mark Frederick Eberstein (5 out of 5 patents)

11. Jose Efrain Valentin (5 out of 5 patents)

12. Geoffrey Michael Ward (5 out of 5 patents)

13. Michael Edward Ruberry (5 out of 5 patents)

14. Yachen Yan (5 out of 5 patents)

15. Benjamin Anthony Solecki (5 out of 5 patents)

Core Competencies:

Machine Learning

Model Fairness

Data Parsing

Dimensionality Reduction

Gradient-Boosted Models

Adverse Action Notifications

Explainable AI

Model Evaluation

Automated Systems

Scoring Functions

Protected Classes

Model Development

25 patents: Sort by Forward Citations

1. 12639752 - Machine learning model correction (2026-05-26),

2. 12613888 - Systems and methods for parsing opaque data (2026-04-28),

3. 12561709 - Systems and methods for improving machine learning models via dimensionality reduction evaluation to reduce disparate impact on protected class individuals (2026-02-24),

4. 12511584 - Automated systems for machine learning model development, analysis, and refinement (2025-12-30),

5. 12271945 - Adverse action systems and methods for communicating adverse action notifications for processing systems using different ensemble modules (2025-04-08),

6. 12265918 - Systems and methods for enriching modeling tools and infrastructure with semantics (2025-04-01),

7. 12169766 - Systems and methods for model fairness (2024-12-17),

8. 12131241 - Systems and methods for decomposition of differentiable and non-differentiable models (2024-10-29),

9. 12099470 - API for implementing scoring functions (2024-09-24),

10. 12002094 - Systems and methods for generating gradient-boosted models with improved fairness (2024-06-04),

11. 11972338 - Automated systems for machine learning model development, analysis, and refinement (2024-04-30),

12. 11960981 - Systems and methods for providing machine learning model evaluation by using decomposition (2024-04-16),

13. 11941650 - Explainable machine learning financial credit approval model for protected classes of borrowers (2024-03-26),

14. 11893466 - Systems and methods for model fairness (2024-02-06),

15. 11847574 - Systems and methods for enriching modeling tools and infrastructure with semantics (2023-12-19),

Zestfinance, Inc. is a technology company based in Burbank, California, specializing in advanced machine learning and data analytics to enhance credit underwriting processes. The organization focuses on developing innovative solutions that leverage vast data sets to assess creditworthiness, aiming to improve access to financial services for underserved populations. By integrating sophisticated algorithms and predictive modeling, Zestfinance seeks to transform the lending landscape, making it more efficient and equitable.

Profile summary based on public USPTO records.

Company Badge

USPTO Data Jan 1 1976 - Sep 29 2026

25 Patents

#13 in Burbank, CA

#3,150 in California

#13,334 in US

#25,651 in the World

Burbank, CA, United States of America

Zestfinance, Inc.

Forward Citations = 11

56 inventors:

Sean Javad Kamkar (17 out of 17 patents)

Jerome Louis Budzik (15 out of 31 patents)

John W L Merrill (8 out of 10 patents)

4. John J Beahan (7 out of 7 patents)

5. John Wickens Lamb Merrill (7 out of 10 patents)

Please report any incorrect information to [email protected]

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