Patents by Inventor David N. Joffe

David N. Joffe has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Calculating credit worthiness using transactional data
    Patent number: 7734539
    Abstract: Aspects of the invention provide for the use of transactional data in determining credit and product offerings. Further aspects of the invention provide for generating financial statements and indices using transactional data for use by users and/or financial institutions. The transactional based financial statements and indices may be used for making underwriting and financial planning decisions.
    Type: Grant
    Filed: April 25, 2007
    Date of Patent: June 8, 2010
    Assignee: Bank of America Corporation
    Inventors: Debashis Ghosh, William A. Nobili, Arun R. Pinto, Kurt D. Newman, David N. Joffe, Sudeshna Banerjee
  • CALCULATING CREDIT WORTHINESS USING TRANSACTIONAL DATA
    Publication number: 20100094750
    Abstract: Aspects of the invention provide for the use of transactional data in determining credit and product offerings. Further aspects of the invention provide for generating financial statements and indices using transactional data for use by users and/or financial institutions. The transactional based financial statements and indices may be used for making underwriting and financial planning decisions.
    Type: Application
    Filed: December 22, 2009
    Publication date: April 15, 2010
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Debashis Ghosh, William Anthony Nobii, Arun R. Pinto, Kurt D. Newman, David N. Joffe, Sudeshna Banerjee
  • WIRELESS NUMBER RISK SCORES FOR USE WITH MOBILE PAYMENTS
    Publication number: 20100070405
    Abstract: Apparatus and methods for evaluating risk of nonpayment for mobile payments. Wireless phone numbers with associated customer history and account information may be used as a proxy to determine risk of nonpayment. Risk scores may be continually updated with new purchase and payment information. In some embodiments, authorization for a point of sale transaction may include evaluation of the mobile wireless risk score. A low wireless number risk score may result in authorization of the transaction. A high wireless number risk score may result in denial of the transaction.
    Type: Application
    Filed: September 17, 2008
    Publication date: March 18, 2010
    Applicant: Bank of America
    Inventors: David Joa, Debashis Ghosh, David N. Joffe, Thayer Allison, Kurt D. Newman, Timothy J. Bendel, Yanghong Shao, Nancy G. Carrier, Mark Krein, Preston W. Ports, III
  • BUDGET ENVELOPE CREDIT CARD
    Publication number: 20100057574
    Abstract: Apparatus and methods for providing a budget envelope credit card are provided. An apparatus according to the invention may include a budget envelope credit card software engine and a rewards software engine that provides a reward scheme for use by the budget envelope credit card engine, the rewards scheme that defines a reward frequency.
    Type: Application
    Filed: August 28, 2008
    Publication date: March 4, 2010
    Applicant: Bank of America
    Inventors: Sudeshna Banerjee, Debashis Ghosh, David N. Joffe, Hans Shumacher, Sreedevi Gummuluri, Jeff Carter, Nicholas Halpern, Dan Ariely
  • CALCULATING CREDIT WORTHINESS USING TRANSACTIONAL DATA
    Publication number: 20080270292
    Abstract: Aspects of the invention provide for the use of transactional data in determining credit and product offerings. Further aspects of the invention provide for generating financial statements and indices using transactional data for use by users and/or financial institutions. The transactional based financial statements and indices may be used for making underwriting and financial planning decisions.
    Type: Application
    Filed: April 25, 2007
    Publication date: October 30, 2008
    Applicant: Bank of America Corporation
    Inventors: Debashis Ghosh, William Anthony Nobili, Arun R. Pinto, Kurt D. Newman, David N. Joffe, Sudeshna Banerjee