Zestfinance, Inc.

Google Inc.

John W L Merrill

John J Beahan

Robert F Day

Joerg Heilig

Douglas C Merrill

John Candido

James P McGuire

Farshad Kheiri

Manoj Pinnamaneni

Marick Sinay

Shawn M Budde

Lingyun Gu

This invention relates generally to the personal finance and banking field, and more particularly to the field of lending and credit notification methods and systems. Preferred embodiments of the present invention provide systems and methods for automatically generating high quality adverse action notifications based on identifying variations between a declined borrower's profile and that of approved applicants, both with simple and sophisticated credit scoring systems, using specific algorithms.

Adverse action systems and methods for communicating adverse action notifications for processing systems using different ensemble modules

This technology relates generally to data assembly and analytics, as can be used in the personal finance and banking field, and more particularly to the field of lending and credit notification methods and systems. Embodiments of this technology provide systems and methods for creating objects which can be used in multiple implementations to generate scores.

API for implementing scoring functions

This invention relates generally to data assembly and analytics, as can be used in the personal finance and banking field, and more particularly to the field of lending and credit notification methods and systems. Preferred embodiments of the present invention provide systems and methods for creating objects which can be used in multiple implementations to generate scores.

Systems and methods for converting a data item provided by an external data provider system into a data type specified by a data processing system for a data field of the data item. A data processing system stores a coercion rule for each data field of a first data set provided by the data provider system. Each stored coercion rule identifies at least one data type for the corresponding data field. Responsive to a second data set provided by the data provider system, the data processing system coerces each data item of the second data set into at least one data type specified by the stored coercion rule for the data field of the data item to generate at least one converted data item of the second data set. The data processing system generates information from at least one converted data item, and provides the information to a consuming system.

Systems and methods for type coercion

A selected target location is used as a basis for selecting an alternate target location for distribution of content. The alternate target location is selected based on historical information about user activity involving the selected target location and may include an analysis of time records associated with locations included in the historical data.

Identifying alternate content distribution locations

A method performed by one or more processing devices includes receiving data indicative of amounts of users in population segments that access a resource; applying an expectation-maximization algorithm to the data received; generating, based on applying, estimates of weights indicative of an accuracy of the amounts of users; wherein the expectation-maximization algorithm is applied and the estimates are generated until the estimates reach an asymptotic approximation of the weights; adjusting the amounts of the users in accordance with the estimates of the weights; and generating, based on the amounts of the users adjusted, an estimate of a composition of a population of users that access the resource.

Growing community of inventors

Redmond, WA, United States of America

John W L Merrill