Patents by Inventor Ezra D. Becker

Ezra D. Becker 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).

  • Systems and methods for minimizing effects of authorized user credit tradelines
    Patent number: 8548903
    Abstract: Systems and methods for identifying, evaluating, and accounting for effects of authorized user trade lines are disclosed. The systems and methods incorporate use of credit characteristics that describe the nature of authorized user trade lines on a credit file or across credit files, and the influence of those authorized user relationships relative to the non-authorized user trade lines on the credit file in the evaluation of credit risk. Systems and methods incorporating these credit characteristics can be used in identifying any bias in perceived credit risk, in the evaluation of credit risk, or other credit-related evaluation.
    Type: Grant
    Filed: October 23, 2008
    Date of Patent: October 1, 2013
    Assignee: Trans Union LLC.
    Inventor: Ezra D. Becker
  • Systems and Methods for Minimizing Effects of Authorized User Credit Tradelines
    Publication number: 20090106141
    Abstract: Systems and methods for identifying, evaluating, and accounting for effects of authorized user trade lines are disclosed. The systems and methods incorporate use of credit characteristics that describe the nature of authorized user trade lines on a credit file or across credit files, and the influence of those authorized user relationships relative to the non-authorized user trade lines on the credit file in the evaluation of credit risk. Systems and methods incorporating these credit characteristics can be used in identifying any bias in perceived credit risk, in the evaluation of credit risk, or other credit-related evaluation.
    Type: Application
    Filed: October 23, 2008
    Publication date: April 23, 2009
    Applicant: Trans Union LLC
    Inventor: Ezra D. Becker