Patents by Inventor Raji Subramaniam

Raji Subramaniam 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).

  • Credit Monitoring and Simulation Aggregation System
    Publication number: 20140279382
    Abstract: A computer-implemented method comprising: determining, by a credit management system, credit information of a user, by: receiving, by the credit management system, account information of the user, with the account information specifying balance information indicative of account balances in one or more financial accounts of the user; and receiving, by the credit management system, debt information of the user, with the debt information specifying balance information indicative of outstanding debts in the one or more financial accounts of the user; and generating, based on the received balance and debt information, a personal credit management proprietary score for the user.
    Type: Application
    Filed: March 14, 2013
    Publication date: September 18, 2014
    Inventors: Erin E. Drakeley, Raji Subramaniam