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Burbank, CA, United States of America

Zestfinance, Inc.

USPTO Granted Patents = 22

Trademarks = 5

Forward Citations = 6

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54 inventors (with patents filed for the assignee):

Sean Javad Kamkar (14 out of 14 patents)

Jerome Louis Budzik (13 out of 29 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. Feng Li (5 out of 5 patents)

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

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

9. John Joseph Beahan, Jr (5 out of 5 patents)

10. Douglas C Merrill (5 out of 5 patents)

11. John Candido (5 out of 5 patents)

12. Geoffrey Michael Ward (4 out of 4 patents)

13. Michael Edward Ruberry (4 out of 4 patents)

14. Yachen Yan (4 out of 4 patents)

15. Benjamin Anthony Solecki (4 out of 4 patents)

22 patents: Sort by Forward Citations

1. 12511584 - Automated systems for machine learning model development, analysis, and refinement (2025-12-30),

2. 12271945 - Adverse action systems and methods for communicating adverse action notifications for processing systems using different ensemble modules (2025-04-08),

3. 12265918 - Systems and methods for enriching modeling tools and infrastructure with semantics (2025-04-01),

4. 12169766 - Systems and methods for model fairness (2024-12-17),

5. 12131241 - Systems and methods for decomposition of differentiable and non-differentiable models (2024-10-29),

6. 12099470 - API for implementing scoring functions (2024-09-24),

7. 12002094 - Systems and methods for generating gradient-boosted models with improved fairness (2024-06-04),

8. 11972338 - Automated systems for machine learning model development, analysis, and refinement (2024-04-30),

9. 11960981 - Systems and methods for providing machine learning model evaluation by using decomposition (2024-04-16),

10. 11941650 - Explainable machine learning financial credit approval model for protected classes of borrowers (2024-03-26),

11. 11893466 - Systems and methods for model fairness (2024-02-06),

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

13. 11816541 - Systems and methods for decomposition of differentiable and non-differentiable models (2023-11-14),

14. 11720962 - Systems and methods for generating gradient-boosted models with improved fairness (2023-08-08),

15. 11720527 - API for implementing scoring functions (2023-08-08),

ZestFinance is a financial technology company that uses machine learning and Big Data to help companies make more accurate and fair credit decisions. Their platform enables lenders to better assess credit risk for borrowers who have been traditionally overlooked by traditional credit scoring methods. ZestFinance's technology helps to expand access to credit for underserved populations, while also reducing risk for lenders and improving overall financial inclusion.

This text is generated by artificial intelligence and may not be accurate.

Company Badge

USPTO Data Jan 1 1976 - Dec 30 2025

22 Patents

#10 in Burbank, CA

#3,456 in California

#14,536 in US

#27,908 in the World

Burbank, CA, United States of America

Zestfinance, Inc.

Forward Citations = 6

54 inventors:

Sean Javad Kamkar (14 out of 14 patents)

Jerome Louis Budzik (13 out of 29 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)

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