Patents Assigned to ZESTFINANCE, INC.
  • SYSTEM AND METHOD FOR BUILDING AND VALIDATING A CREDIT SCORING FUNCTION
    Publication number: 20150019405
    Abstract: This invention relates generally to the personal finance and banking field, and more particularly to the field of credit scoring methods and systems. Preferred embodiments of the present invention provide systems and methods for building and validating a credit scoring function based on a creditor's target information from non-traditional sources using specific algorithms.
    Type: Application
    Filed: May 13, 2014
    Publication date: January 15, 2015
    Applicant: ZESTFINANCE, INC.
    Inventors: Douglas C. Merrill, John W.L. Merrill, Shawn M. Budde, Lingyun Gu, James P. McGuire
  • METHODS AND SYSTEMS FOR AUTOMATICALLY GENERATING HIGH QUALITY ADVERSE ACTION NOTIFICATIONS
    Publication number: 20140214648
    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.
    Type: Application
    Filed: January 31, 2014
    Publication date: July 31, 2014
    Applicant: ZESTFINANCE, INC.
    Inventors: John W.L. Merrill, Shawn M. Budde, John B. Candido, III, Lingyun Gu, Farshad Kheiri, James P. McGuire, Douglas C. Merrill, Manoj Pinnamaneni, Marick Sinay