Luz M Torrez

Title: Inventor Spotlight: Luz M Torrez – Transforming the Finance Industry

Introduction:

In the world of innovation and patents, few inventors have made as significant contributions to the finance industry as Luz M Torrez. Hailing from Fountain Valley, California, Torrez is a seasoned inventor with an impressive portfolio of 11 patents to his name. His latest inventions highlight his ingenuity in developing systems and methods for generating finance attributes from tradeline data. Today, let's take a closer look at Luz M Torrez's remarkable career and explore some of his notable inventions.

Innovations and Patents:

1. System and method for generating a finance attribute from tradeline data:

One of Torrez's most recent patents introduces a system and method for generating finance attributes. Leveraging raw tradeline data from various credit bureaus, this invention retrieves industry code data and identifies tradeline leveling characteristics that meet specific thresholds. These selected leveling characteristics are then used to generate a finance attribute. This novel approach promises to enhance and streamline financial processes.

2. Automatic generation of code for attributes:

Another impactful invention by Torrez is a system for automating the generation of code for attributes. This patent showcases Torrez's expertise in credit bureau data management and identifies rules associated with different credit bureaus. By using attributes defined by users, this invention automatically performs error checking, retrieves relevant rules, generates attribute specification documents, and ultimately produces executable code sets based on the retrieved attributes and credit bureau rules.

Work Experience and Collaborations:

Throughout his career, Luz M Torrez has been associated with prominent organizations in the finance and technology sectors. Notably, he has worked with Experian Information Solutions, Inc., a leading global information services company specializing in credit reporting and marketing services. Torrez has also collaborated with VantageScore Solutions, LLC, a provider of credit scoring models used by various industries.

Collaborators:

In his professional journey, Torrez has had the privilege of collaborating with accomplished individuals. Notably, Adam Thomas Kornegay and Hua Hu have been his colleagues, each contributing their unique expertise and skills to the projects they have undertaken together.

Conclusion:

Luz M Torrez's contributions to the finance industry through his inventive solutions have been remarkable. With 11 patents under his belt, including systems and methods for finance attribute generation and code automation, Torrez has left an indelible mark on the field. Continuously pushing the boundaries of innovation, Torrez's achievements have shaped the way financial processes are managed and improved.

Disclaimer: The information presented here is based on available data from public sources. While efforts have been made to ensure accuracy, please note that certain details may have changed or evolved since the time of writing. For the most up-to-date and comprehensive information, we recommend referring to official patent databases and corporate profiles.