Patents by Inventor Bridget Garavalia

Bridget Garavalia 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).

  • Method and system to manage a credit portfolio and to trigger credit actions
    Patent number: 8131635
    Abstract: A method to trigger credit actions may include determining a quantity of triggers flagged for a selected creditor. The method may also include establishing an action plan in response to the quantity of flagged triggers being greater than the predetermined number. In accordance with another embodiment of the present invention, a system to trigger credit actions may include a processor and at least one trigger. The system may also include a credit action program operable on the processor to generate a sires of inquiries and to determine a quantity of the at least one trigger being flagged based on the responses to the series of inquiries for a selected creditor.
    Type: Grant
    Filed: April 20, 2004
    Date of Patent: March 6, 2012
    Assignee: Bank of America Corporation
    Inventors: Kris Gagnon, Bridget Garavalia, Hetty E. Harlan, Michael McKay, Jackie Noble, Arun Pinto, Vipin Ramani
  • METHOD AND SYSTEM TO MANAGE A CREDIT PORTFOLIO AND TO TRIGGER CREDIT ACTIONS
    Publication number: 20050234792
    Abstract: A method to trigger credit actions may include determining a quantity of triggers flagged for a selected creditor. The method may also include establishing an action plan in response to the quantity of flagged triggers being greater than the predetermined number. In accordance with another embodiment of the present invention, a system to trigger credit actions may include a processor and at least one trigger. The system may also include a credit action program operable on the processor to generate a sires of inquiries and to determine a quantity of the at least one trigger being flagged based on the responses to the series of inquiries for a selected creditor.
    Type: Application
    Filed: April 20, 2004
    Publication date: October 20, 2005
    Inventors: Kris Gagnon, Bridget Garavalia, Hetty Harlan, Michael McKay, Jackie Noble, Arun Pinto, Vipin Ramani