Patents by Inventor David N. Joffe
David N. Joffe 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).
-
Patent number: 11127026Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. With one approach, principal component analysis is applied to a times series. Resulting normalized eigenvector content is sorted and distances between the normalized eigenvector content are determined, where the dispersion level of the distances is indicative of an economic instability of an economic system. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: GrantFiled: March 24, 2020Date of Patent: September 21, 2021Assignee: Bank of America CorporationInventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
-
Patent number: 11127025Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: GrantFiled: March 23, 2020Date of Patent: September 21, 2021Assignee: Bank of America CorporationInventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
-
Publication number: 20200226624Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: ApplicationFiled: March 24, 2020Publication date: July 16, 2020Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
-
Publication number: 20200219115Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: ApplicationFiled: March 23, 2020Publication date: July 9, 2020Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
-
Patent number: 10643225Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. With one approach, principal component analysis is applied to a times series. Resulting normalized eigenvector content is sorted and distances between the normalized eigenvector content are determined, where the dispersion level of the distances is indicative of an economic instability of an economic system. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: GrantFiled: March 1, 2017Date of Patent: May 5, 2020Assignee: Bank of America CorporationInventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
-
Patent number: 10636045Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: GrantFiled: March 1, 2017Date of Patent: April 28, 2020Assignee: Bank of America CorporationInventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
-
Patent number: 9741048Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: GrantFiled: May 4, 2016Date of Patent: August 22, 2017Assignee: Bank of America CorporationInventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
-
Publication number: 20170178161Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: ApplicationFiled: March 1, 2017Publication date: June 22, 2017Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
-
Publication number: 20170178160Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: ApplicationFiled: March 1, 2017Publication date: June 22, 2017Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
-
Patent number: 9639897Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: GrantFiled: May 4, 2016Date of Patent: May 2, 2017Assignee: Bank of America CorporationInventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
-
Publication number: 20160260114Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: ApplicationFiled: May 4, 2016Publication date: September 8, 2016Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
-
Publication number: 20160247234Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: ApplicationFiled: May 4, 2016Publication date: August 25, 2016Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
-
Publication number: 20150134565Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: ApplicationFiled: November 12, 2013Publication date: May 14, 2015Applicant: Bank of America CorporationInventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili
-
Publication number: 20150134410Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: ApplicationFiled: November 12, 2013Publication date: May 14, 2015Applicant: Bank of America CorporationInventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili
-
Publication number: 20150134411Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: ApplicationFiled: November 12, 2013Publication date: May 14, 2015Applicant: Bank of America CorporationInventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili
-
Publication number: 20150134564Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: ApplicationFiled: November 12, 2013Publication date: May 14, 2015Applicant: Bank of America CorporationInventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili
-
Patent number: 8447689Abstract: Aspects of the invention provide for the use of transactional data in determining credit and product offerings. Further aspects of the invention provide for generating financial statements and indices using transactional data for use by users and/or financial institutions. The transactional based financial statements and indices may be used for making underwriting and financial planning decisions.Type: GrantFiled: April 6, 2012Date of Patent: May 21, 2013Assignee: Bank of America CorporationInventors: Debashis Ghosh, William A. Nobili, Arun R. Pinto, Kurt D. Newman, David N. Joffe, Sudeshna Banerjee, Marc Douglas Halsted
-
Publication number: 20120197782Abstract: Aspects of the invention provide for the use of transactional data in determining credit and product offerings. Further aspects of the invention provide for generating financial statements and indices using transactional data for use by users and/or financial institutions. The transactional based financial statements and indices may be used for making underwriting and financial planning decisions.Type: ApplicationFiled: April 6, 2012Publication date: August 2, 2012Applicant: BANK OF AMERICA CORPORATIONInventors: Debashis Ghosh, William Anthony Nobili, Arun R. Pinto, Kurt Newman, David N. Joffe, Sudeshna Banerjee, Marc Douglas Halsted
-
Patent number: 8190515Abstract: Aspects of the invention provide for the use of transactional data in determining credit and product offerings. Further aspects of the invention provide for generating financial statements and indices using transactional data for use by users and/or financial institutions. The transactional based financial statements and indices may be used for making underwriting and financial planning decisions.Type: GrantFiled: December 22, 2009Date of Patent: May 29, 2012Assignee: Bank of America CorporationInventors: Debashis Ghosh, William Anthony Nobili, Arun R. Pinto, Kurt Newman, David N. Joffe, Sudeshna Banerjee, Marc Douglas Halsted
-
Publication number: 20100241573Abstract: Systems and methods for consumer participation in a marketing survey and for development of marketing solicitations by corporate clients based on consumer transactional/demographic data are described. An individual seeking to participate in a marketing survey may first choose to be included in a database containing many surveys that have been added by corporate sponsors. The system may select a willing consumer for participation in the survey based on predefined preferred data metrics. Upon participation, the consumer may also receive a reward in the form of a cash payment or gift, which the system may credit directly to the consumer's bank account and/or to the consumer's account with a corporate affiliate. In addition, the platform may be used to generate marketing contact lists based on consumer demographic and transactional data for a corporate client.Type: ApplicationFiled: March 17, 2009Publication date: September 23, 2010Applicant: BANK OF AMERICA CORPORATIONInventors: David Joa, Debashis Ghosh, David N. Joffe, Kurt Newman, Thayer S. Allison, JR., Aaron Lai, Mark V. Krein, Sudeshna Banerjee, Yanghong Shao, Timothy John Bendel, Samuel Jeff Carter