Shiping Liu

Title: Innovations by Shiping Liu

Introduction

Shiping Liu is an accomplished inventor based in Castro Valley, CA (US). He has made significant contributions to the field of credit history analysis, holding a total of 3 patents. His work focuses on identifying patterns in credit card usage, which can have implications for financial institutions and consumers alike.

Latest Patents

Shiping Liu's latest patents include methods for identifying teaser surfers with time series credit history. The process begins by checking the amount of data to determine if a sufficient history is present for the method. Credit card accounts are classified into three categories: new, relatively new, and old cards, based on when they were opened. The balances for each category are calculated monthly. The average balance percentages of cards opened within six months and twelve months over the last twenty-four months are then calculated. Teaser surfers are defined as those whose average percentages for all credit cards opened within six and twelve months exceed predefined thresholds.

Career Highlights

Shiping Liu is currently employed at International Business Machines Corporation, commonly known as IBM. His role at IBM allows him to leverage his expertise in data analysis and financial technology to develop innovative solutions.

Collaborations

Some of his notable coworkers include Edgar Leroy Murphy, Jr. and James R. Kraemer. Their collaboration contributes to a dynamic work environment that fosters innovation and creativity.

Conclusion

Shiping Liu's contributions to the field of credit history analysis through his patents demonstrate his commitment to innovation and excellence. His work at IBM continues to influence the financial technology landscape.