Patents by Inventor Brian Libman

Brian Libman 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).

  • Automated loan evaluation system
    Publication number: 20070136187
    Abstract: Disclosed is a system and method of creating a probability of delinquency database using historical loan data and a plurality of loan factors, for use in determining a loan rate, the method comprising: identifying a plurality of multi-level loan factors; creating a pool from the historic loan data, wherein the first pool contains records relating to the plurality of multi-level loan factors; separating the pool into a set of groups based on the multi-level loan factors, calculating a probability of delinquency for each group; and arranging the probability of delinquency for each group into a database such that the probability of delinquency for each group is accessible for any combination of multi-level loan factors. Also disclosed is a system and method of determining the loan rate for a loan for a borrower based on the probability of delinquency database.
    Type: Application
    Filed: January 30, 2007
    Publication date: June 14, 2007
    Applicant: Brandywine Building
    Inventor: Brian Libman
  • Automated loan evaluation system
    Publication number: 20070136186
    Abstract: Disclosed is a system and method of creating a probability of delinquency database using historical loan data and a plurality of loan factors, for use in determining a loan rate, the method comprising: identifying a plurality of multi-level loan factors; creating a pool from the historic loan data, wherein the first pool contains records relating to the plurality of multi-level loan factors; separating the pool into a set of groups based on the multi-level loan factors, calculating a probability of delinquency for each group; and arranging the probability of delinquency for each group into a database such that the probability of delinquency for each group is accessible for any combination of multi-level loan factors. Also disclosed is a system and method of determining the loan rate for a loan for a borrower based on the probability of delinquency database.
    Type: Application
    Filed: January 30, 2007
    Publication date: June 14, 2007
    Applicant: Lehman Brothers Bank, FSB
    Inventor: Brian Libman
  • Automated loan evaluation system
    Publication number: 20070043654
    Abstract: Disclosed is a system and method of creating a probability of delinquency database using historical loan data and a plurality of loan factors, for use in determining a loan rate, the method comprising: identifying a plurality of multi-level loan factors; creating a pool from the historic loan data, wherein the first pool contains records relating to the plurality of multi-level loan factors; separating the pool into a set of groups based on the multi-level loan factors, calculating a probability of delinquency for each group; and arranging the probability of delinquency for each group into a database such that the probability of delinquency for each group is accessible for any combination of multi-level loan factors. Also disclosed is a system and method of determining the loan rate for a loan for a borrower based on the probability of delinquency database.
    Type: Application
    Filed: February 21, 2001
    Publication date: February 22, 2007
    Inventor: Brian Libman