The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Apr. 08, 2025
Filed:
Aug. 22, 2018
Zestfinance, Inc., Los Angeles, CA (US);
John W. L. Merrill, Redmond, WA (US);
Shawn M. Budde, Evanston, IL (US);
John Candido, Burbank, CA (US);
Lingyun Gu, Thousand Oaks, CA (US);
Farshad Kheiri, Woodland Hills, CA (US);
James P. McGuire, Long Beach, CA (US);
Douglas C. Merrill, Los Angeles, CA (US);
Manoj Pinnamaneni, Los Angeles, CA (US);
Marick Sinay, Hawthorne, CA (US);
ZestFinance, Inc., Los Angeles, CA (US);
Abstract
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.