Patents by Inventor Heng GU

Heng GU 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: 11803813
    Abstract: Disclosed are systems and methods for consolidating credit profiles for co-applicants of a joint loan application. For example, a method may include: obtaining a first model score associated with the first applicant; receiving an address of the first applicant; obtaining a second model score associated with the second applicant; receiving an address of the second applicant; determining that the address of the first applicant and the address of the second applicant are the same; aggregating the first model score and the second model score to generate a joint model score for the first and second applicants based on the determination that the address of the first applicant and the address of the second applicant are the same; and generating the joint application for the first and second applicants at least based on the joint model score.
    Type: Grant
    Filed: May 29, 2020
    Date of Patent: October 31, 2023
    Assignee: Capital One Services, LLC
    Inventors: Ruoyu Shao, John Lujano, Jacky Kwok, Kurt Wolf, Sang Jin Park, Heng Gu
  • Publication number: 20210374846
    Abstract: Disclosed are systems and methods for consolidating credit profiles for co-applicants of a joint loan application. For example, a method may include: obtaining a first model score associated with the first applicant; receiving an address of the first applicant; obtaining a second model score associated with the second applicant; receiving an address of the second applicant; determining that the address of the first applicant and the address of the second applicant are the same; aggregating the first model score and the second model score to generate a joint model score for the first and second applicants based on the determination that the address of the first applicant and the address of the second applicant are the same; and generating the joint application for the first and second applicants at least based on the joint model score.
    Type: Application
    Filed: May 29, 2020
    Publication date: December 2, 2021
    Applicant: Capital One Services, LLC
    Inventors: Ruoyu SHAO, John LUJANO, Jacky KWOK, Kurt WOLF, Sang Jin PARK, Heng GU