Patents by Inventor Edgar Leroy Murphy, Jr.

Edgar Leroy Murphy, Jr. 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).

  • Identifying teaser surfers with time series credit history
    Patent number: 8768818
    Abstract: Initially the amount of data is checked to determine whether a sufficient history is present for the method. Credit card accounts are classified as new, relatively new, and old cards, i.e. opened within six months, within twelve months, and over twelve months ago. The balances for each of the three categories are calculated for each month. The average balance percentages of cards opened within six months and twelve months for the last twenty-four months is calculated and teaser surfers are defined as either having average percentages within the last twenty-four months for all credit cards opened within six and twelve months are greater than predefined percentages.
    Type: Grant
    Filed: August 18, 2008
    Date of Patent: July 1, 2014
    Assignee: International Business Machines Corporation
    Inventors: James Richard Kraemer, Shiping Liu, Edgar Leroy Murphy, Jr.
  • Method and System for Identifying Teaser Surfers with Time Series Credit History
    Publication number: 20090048965
    Abstract: Initially the amount of data is checked to determine whether a sufficient history is present for the method. Credit card accounts are classified as new, relatively new, and old cards, i.e. opened within six months, within twelve months, and over twelve months ago. The balances for each of the three categories are calculated for each month. The average balance percentages of cards opened within six months and twelve months for the last twenty-four months is calculated and teaser surfers are defined as either having average percentages within the last twenty-four months for all credit cards opened within six and twelve months are greater than predefined percentages.
    Type: Application
    Filed: August 18, 2008
    Publication date: February 19, 2009
    Applicant: International Business Machines Corporation
    Inventors: James Richard Kraemer, Shiping Liu, Edgar Leroy Murphy, JR.
  • Method and system for identifying teaser surfers with time series credit history
    Patent number: 7421409
    Abstract: Initially the amount of data is checked to determine whether a sufficient history is present for the method. Credit card accounts are classified as new, relatively new, and old cards, i.e. opened within six months, within twelve months, and over twelve months ago. The balances for each of the three categories are calculated for each month. The average balance percentages of cards opened within six months and twelve months for the last twenty-four months is calculated and teaser surfers are defined as either having average percentages within the last twenty-four months for all credit cards opened within six and twelve months are greater than predefined percentages.
    Type: Grant
    Filed: February 16, 2000
    Date of Patent: September 2, 2008
    Assignee: International Business Machines Corporation
    Inventors: James Richard Kraemer, Shiping Liu, Edgar Leroy Murphy, Jr.