Patents by Inventor Erik Hjermstad
Erik Hjermstad 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).
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Patent number: 8738515Abstract: In some embodiments, systems and methods are disclosed for generating filters to determine whether a consumer is likely to have a scoreable credit record based on non-credit data, and to determine a potential risk level associated with an unscoreable credit record based on non-credit data. Existing scoreable and unscoreable records are compared to determine factors correlated with having an unscoreable record, and a multi-level filter is developed. Unscoreable records having at least one entry are compared to determine whether they are “good” or “bad” risks, factors correlated with either condition are determined, and a filter is developed. The filters can be applied to records comprising demographic data to determine consumers that are likely to have unscoreable records but represent good risks.Type: GrantFiled: September 14, 2012Date of Patent: May 27, 2014Assignee: Experian Marketing Solutions, Inc.Inventors: Anamitra Chaudhuri, Nancy A. Hadenfeldt, Erik Hjermstad
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Publication number: 20130218751Abstract: In some embodiments, systems and methods are disclosed for generating filters to determine whether a consumer is likely to have a scoreable credit record based on non-credit data, and to determine a potential risk level associated with an unscoreable credit record based on non-credit data. Existing scoreable and unscoreable records are compared to determine factors correlated with having an unscoreable record, and a multi-level filter is developed. Unscoreable records having at least one entry are compared to determine whether they are “good” or “bad” risks, factors correlated with either condition are determined, and a filter is developed. The filters can be applied to records comprising demographic data to determine consumers that are likely to have unscoreable records but represent good risks.Type: ApplicationFiled: September 14, 2012Publication date: August 22, 2013Applicant: Experian Marketing Solutions, Inc.Inventors: Anamitra Chaudhuri, Nancy A. Hadenfeldt, Erik Hjermstad
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Patent number: 8271378Abstract: In some embodiments, systems and methods are disclosed for generating filters to determine whether a consumer is likely to have a scoreable credit record based on non-credit data, and to determine a potential risk level associated with an unscoreable credit record based on non-credit data. Existing scoreable and unscoreable records are compared to determine factors correlated with having an unscoreable record, and a multi-level filter is developed. Unscoreable records having at least one entry are compared to determine whether they are “good” or “bad” risks, factors correlated with either condition are determined, and a filter is developed. The filters can be applied to records comprising demographic data to determine consumers that are likely to have unscoreable records but represent good risks.Type: GrantFiled: September 19, 2011Date of Patent: September 18, 2012Assignee: Experian Marketing Solutions, Inc.Inventors: Anamitra Chaudhuri, Nancy A. Hadenfeldt, Erik Hjermstad
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Patent number: 8246189Abstract: An underwater light system includes a waterproof housing for enclosing a light source. According to one embodiment the housing has a removable, transparent, acrylic dome which seats onto a metal base. Strobe light electric circuitry and one or more light bulbs or other light sources are disposed inside the housing. The housing is configured to be vacuum sealed, and the removable nature of the dome and metal base permits convenient access to the light sources for replacement or other maintenance. An external electrical cable provides power via an external power source for the light sources while in use underwater. The power source is disposed apart from the housing, and the external power cable remains attached to the housing while underwater and in use.Type: GrantFiled: October 30, 2009Date of Patent: August 21, 2012Assignee: Whitemike, LLCInventors: Michael Muller, Erik Hjermstad, Lee Peterson
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Publication number: 20120158575Abstract: In some embodiments, systems and methods are disclosed for generating filters to determine whether a consumer is likely to have a scoreable credit record based on non-credit data, and to determine a potential risk level associated with an unscoreable credit record based on non-credit data. Existing scoreable and unscoreable records are compared to determine factors correlated with having an unscoreable record, and a multi-level filter is developed. Unscoreable records having at least one entry are compared to determine whether they are “good” or “bad” risks, factors correlated with either condition are determined, and a filter is developed. The filters can be applied to records comprising demographic data to determine consumers that are likely to have unscoreable records but represent good risks.Type: ApplicationFiled: September 19, 2011Publication date: June 21, 2012Applicant: EXPERIAN MARKETING SOLUTIONS, INC.Inventors: Anamitra Chaudhuri, Nancy A. Hadenfeldt, Erik Hjermstad
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Patent number: 8024264Abstract: In some embodiments, systems and methods are disclosed for generating filters to determine whether a consumer is likely to have a scoreable credit record based on non-credit data, and to determine a potential risk level associated with an unscoreable credit record based on non-credit data. Existing scoreable and unscoreable records are compared to determine factors correlated with having an unscoreable record, and a multi-level filter is developed. Unscoreable records having at least one entry are compared to determine whether they are “good” or “bad” risks, factors correlated with either condition are determined, and a filter is developed. The filters can be applied to records comprising demographic data to determine consumers that are likely to have unscoreable records but represent good risks.Type: GrantFiled: June 17, 2010Date of Patent: September 20, 2011Assignee: Experian Marketing Solutions, Inc.Inventors: Anamitra Chaudhuri, Nancy A. Hadenfeldt, Erik Hjermstad
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Publication number: 20100299246Abstract: In some embodiments, systems and methods are disclosed for generating filters to determine whether a consumer is likely to have a scoreable credit record based on non-credit data, and to determine a potential risk level associated with an unscoreable credit record based on non-credit data. Existing scoreable and unscoreable records are compared to determine factors correlated with having an unscoreable record, and a multi-level filter is developed. Unscoreable records having at least one entry are compared to determine whether they are “good” or “bad” risks, factors correlated with either condition are determined, and a filter is developed. The filters can be applied to records comprising demographic data to determine consumers that are likely to have unscoreable records but represent good risks.Type: ApplicationFiled: June 17, 2010Publication date: November 25, 2010Applicant: EXPERIAN MARKETING SOLUTIONS, INC.Inventors: Anamitra Chaudhuri, Nancy A. Hadenfeldt, Erik Hjermstad
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Publication number: 20100246195Abstract: An underwater light system includes a waterproof housing for enclosing a light source. According to one embodiment the housing has a removable, transparent, acrylic dome which seats onto a metal base. Strobe light electric circuitry and one or more light bulbs or other light sources are disposed inside the housing. The housing is configured to be vacuum sealed, and the removable nature of the dome and metal base permits convenient access to the light sources for replacement or other maintenance. An external electrical cable provides power via an external power source for the light sources while in use underwater. The power source is disposed apart from the housing, and the external power cable remains attached to the housing while underwater and in use.Type: ApplicationFiled: October 30, 2009Publication date: September 30, 2010Inventors: Michael Muller, Erik Hjermstad, Lee Peterson
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Patent number: 7742982Abstract: In some embodiments, systems and methods are disclosed for generating filters to determine whether a consumer is likely to have a scoreable credit record based on non-credit data, and to determine a potential risk level associated with an unscoreable credit record based on non-credit data. Existing scoreable and unscoreable records are compared to determine factors correlated with having an unscoreable record, and a multi-level filter is developed. Unscoreable records having at least one entry are compared to determine whether they are “good” or “bad” risks, factors correlated with either condition are determined, and a filter is developed. The filters can be applied to records comprising demographic data to determine consumers that are likely to have unscoreable records but represent good risks.Type: GrantFiled: October 12, 2007Date of Patent: June 22, 2010Assignee: Experian Marketing Solutions, Inc.Inventors: Anamitra Chaudhuri, Nancy A. Hadenfeldt, Erik Hjermstad
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Publication number: 20080255975Abstract: In some embodiments, systems and methods are disclosed for generating filters to determine whether a consumer is likely to have a scoreable credit record based on non-credit data, and to determine a potential risk level associated with an unscoreable credit record based on non-credit data. Existing scoreable and unscoreable records are compared to determine factors correlated with having an unscoreable record, and a multi-level filter is developed. Unscoreable records having at least one entry are compared to determine whether they are “good” or “bad” risks, factors correlated with either condition are determined, and a filter is developed. The filters can be applied to records comprising demographic data to determine consumers that are likely to have unscoreable records but represent good risks.Type: ApplicationFiled: October 12, 2007Publication date: October 16, 2008Inventors: Anamitra Chaudhuri, Nancy A. Hadenfeldt, Erik Hjermstad