Patents by Inventor Berenice Huffner

Berenice Huffner 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 credit management risk rating and approval
    Patent number: 8290857
    Abstract: A method for one of approving and denying a credit offering to a borrower is disclosed. The method includes calculating a probability of default rating of the borrower and calculating a loss given default rating for the borrower. The method also includes integrating the probability of default rating and the loss given default rating with other information relating to the credit offering to produce a credit memorandum and automatically outputting the credit memorandum to a user so that the user can recommend one of approval and denial of the credit offering.
    Type: Grant
    Filed: April 2, 2012
    Date of Patent: October 16, 2012
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Cynthia Barie, Douglas Wicker, Michael Harrington, Alan McCrum, Holly Kuhs, Bobbie Zielonka, Berenice Huffner
  • Systems and methods for credit management risk rating and approval
    Patent number: 8150765
    Abstract: A method for one of approving and denying a credit offering to a borrower is disclosed. The method includes calculating a probability of default rating of the borrower and calculating a loss given default rating for the borrower. The method also includes integrating the probability of default rating and the loss given default rating with other information relating to the credit offering to produce a credit memorandum and automatically outputting the credit memorandum to a user so that the user can recommend one of approval and denial of the credit offering.
    Type: Grant
    Filed: August 23, 2010
    Date of Patent: April 3, 2012
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Cynthia Barie, Douglas Wicker, Michael Harrington, Alan McCrum, Holly Kuhs, Bobbie Zielonka, Berenice Huffner
  • Systems and methods for credit management risk rating and approval
    Patent number: 7797230
    Abstract: A method for one of approving and denying a credit offering to a borrower. The method includes calculating a probability of default rating of the borrower and calculating a loss given default rating for the borrower. The method also includes integrating the probability of default rating and the loss given default rating with other information relating to the credit offering to produce a credit memorandum and automatically outputting the credit memorandum to a user so that the user can recommend one of approval and denial of the credit offering.
    Type: Grant
    Filed: June 2, 2005
    Date of Patent: September 14, 2010
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Cynthia Barie, Douglas Wicker, Michael Harrington, Alan McCrum, Holly Kuhs, Bobbie Zielonka, Berenice Huffner