Patents by Inventor Jeffrey A. Feinstein
Jeffrey A. Feinstein 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: 11510393Abstract: An apparatus for grooming an animal is disclosed herein. The apparatus for grooming the animal includes a handle and a grooming-head. In a preferred embodiment, the handle is ergonomically shaped to aid in grip-ability of the handle. In one embodiment, the grooming-head includes a first grooming-side having a first grooming-tool. In another embodiment, the grooming-head further includes a second grooming-side opposite the first grooming-side and including a second grooming-tool. Further, in the preferred embodiment, the first grooming-tool and the second grooming-tool are dissimilar. The apparatus is useful for providing effective multifunctional grooming of horses, canines, livestock, etc., saving time and effort while currying.Type: GrantFiled: August 6, 2018Date of Patent: November 29, 2022Inventors: Sharon Barnard, Jeffrey Feinstein
-
Publication number: 20210012418Abstract: A request to generate a responsibility score is received that characterizes a likelihood of a change in a level of creditworthiness of an individual in response to at least one unknown financial event. Such responsibility score can provide useful insight into a consumer that is complementary to a credit score. Thereafter, a responsibility score is generated based on historical creditworthiness data for the individual using at least one predictive model. The at least one predictive model was trained using historical creditworthiness data of a plurality of consumers subjected to a plurality of financial events. In addition, the at least one predictive model associates the historical creditworthiness data of the individual with matching states for each of a plurality of pre-defined performance behaviors—with each pre-defined performance behavior having at least two corresponding states. The responsibility score can be later provided to a user (e.g., persisted, transmitted, displayed, etc.).Type: ApplicationFiled: June 22, 2020Publication date: January 14, 2021Inventors: Jeffrey A. Feinstein, Wei Jiang, Ryan Morrison, Shane De Zilwa
-
Publication number: 20190098870Abstract: An apparatus for grooming an animal is disclosed herein. The apparatus for grooming the animal includes a handle and a grooming-head. In a preferred embodiment, the handle is ergonomically shaped to aid in grip-ability of the handle. In one embodiment, the grooming-head includes a first grooming-side having a first grooming-tool. In another embodiment, the grooming-head further includes a second grooming-side opposite the first grooming-side and including a second grooming-tool. Further, in the preferred embodiment, the first grooming-tool and the second grooming-tool are dissimilar. The apparatus is useful for providing effective multifunctional grooming of horses, canines, livestock, etc., saving time and effort while currying.Type: ApplicationFiled: August 6, 2018Publication date: April 4, 2019Inventors: Sharon Barnard, Jeffrey Feinstein
-
Patent number: 8706596Abstract: Input characterizing one or more economic indicators and a portfolio of accounts can be used to estimate a portfolio level effect of the economic indicators on the portfolio of accounts is estimated. Based on this estimation, an account level effect of the economic indicators is simulated for each of the accounts. The overall affect of the simulated account level effects approximates the portfolio level effect. Simulated account level effects can thereafter be aggregated in order to characterize future risk for the portfolio of accounts. Related apparatus, systems, techniques and articles are also described.Type: GrantFiled: April 17, 2008Date of Patent: April 22, 2014Assignee: Fair Isaac CorporationInventors: Michael Raymond Cohen, Chenyang Lian, Lara D. Mercurio, Jeffrey A. Feinstein
-
Publication number: 20120246048Abstract: A cross-sectional model is provided that determines the relationship between macroeconomic factors and the odds to score relationship of a scoring model. The cross-sectional model takes economic data from various economic regions, as opposed to time periods, as input, and produces, as output, a prediction of the curve-of-best fit that relates a score to a probability (i.e., the probability of the outcome in question such as paying back a loan or filing an insurance claim, etc.). Related systems, methods and articles are also described.Type: ApplicationFiled: March 26, 2012Publication date: September 27, 2012Inventors: Michael Cohen, Chenyang Lian, Andrew Leverentz, Frederic Huynh, Erik Franco, Gary Sullivan, Jeffrey Feinstein, Hui Zhu, Chetan Bhat
-
Publication number: 20120072334Abstract: A request to generate a responsibility score is received that characterizes a likelihood of a change in a level of creditworthiness of an individual in response to at least one unknown financial event. Such responsibility score can provide useful insight into a consumer that is complementary to a credit score. Thereafter, a responsibility score is generated based on historical creditworthiness data for the individual using at least one predictive model. The at least one predictive model was trained using historical creditworthiness data of a plurality of consumers subjected to a plurality of financial events. In addition, the at least one predictive model associates the historical creditworthiness data of the individual with matching states for each of a plurality of pre-defined performance behaviors—with each pre-defined performance behavior having at least two corresponding states. The responsibility score can be later provided to a user (e.g., persisted, transmitted, displayed, etc.).Type: ApplicationFiled: November 4, 2010Publication date: March 22, 2012Inventors: Jeffrey A. Feinstein, Wei Jiang, Ryan Morrison, Shane De Zilwa
-
Patent number: 8027894Abstract: A request to generate a consolidation risk score that characterizes a likelihood of a change in a level of creditworthiness of an individual following a consolidation of debt of the individual using a secured line of credit is received. Thereafter, future credit balance increases are estimated for the individual using a predictive model trained using historical creditworthiness data of a plurality of consolidators. These estimated future balance increases are then associated with a consolidation risk score so that such score can be provided. Related apparatus, systems, techniques, and articles are also described.Type: GrantFiled: December 28, 2007Date of Patent: September 27, 2011Assignee: Fair Isaac CorporationInventors: Jeffrey A. Feinstein, Shane De Zilwa
-
Patent number: 7970676Abstract: A method and system for predicting impact of future actions on subsequent performance involves developing a prediction model that predicts a statistical interaction of performance expectation with likely behavior. In one embodiment, sensitivity to new, post-scoring date credit behaviors in the analytic solution greatly improves snapshot score predictions. The modeling approach involves multiple snapshots: predictive and performance snapshots, plus an intermediate snapshot shortly after the predictive snapshot to quantify interim behavior. Predictive interaction variables are calculated on the predictive data using simulated profiles before and after an action.Type: GrantFiled: August 1, 2007Date of Patent: June 28, 2011Assignee: Fair Isaac CorporationInventor: Jeffrey A. Feinstein
-
Publication number: 20100268639Abstract: Data comprising a request to generate a migration score is received (for example, by a first computer system). The migration score characterizes a likelihood of a change in a level of creditworthiness of a consumer subsequent to generation of a current credit score. Thereafter, future credit score migration for the individual is estimated (for example, by the first computer system) using a predictive model trained using historical creditworthiness data derived from a plurality of individuals. The historical creditworthiness data includes, for each individual, a historical credit score and empirical performance data subsequent to a scoring date for the historical credit score. Thereafter, the estimated future credit score migration is associated (for example, by the first computer system) with a migration score. Provision of the migration score can then be initiated. Related apparatus, systems, techniques and articles are also described.Type: ApplicationFiled: April 16, 2009Publication date: October 21, 2010Inventors: Jeffrey A. Feinstein, Shane De Zilwa, Lisa M. Wice, Victor Wykoff, Sheng-Tzu P. Jui
-
Publication number: 20090265281Abstract: Input characterizing one or more economic indicators and a portfolio of accounts can be used to estimate a portfolio level effect of the economic indicators on the portfolio of accounts is estimated. Based on this estimation, an account level effect of the economic indicators is simulated for each of the accounts. The overall affect of the simulated account level effects approximates the portfolio level effect. Simulated account level effects can thereafter be aggregated in order to characterize future risk for the portfolio of accounts. Related apparatus, systems, techniques and articles are also described.Type: ApplicationFiled: April 17, 2008Publication date: October 22, 2009Inventors: Michael Raymond Cohen, Chenyang Lian, Lara D. Mercurio, Jeffrey A. Feinstein
-
Publication number: 20090171757Abstract: A request to generate a consolidation risk score that characterizes a likelihood of a change in a level of creditworthiness of an individual following a consolidation of debt of the individual using a secured line of credit is received. Thereafter, future credit balance increases are estimated for the individual using a predictive model trained using historical creditworthiness data of a plurality of consolidators. These estimated future balance increases are then associated with a consolidation risk score so that such score can be provided. Related apparatus, systems, techniques, and articles are also described.Type: ApplicationFiled: December 28, 2007Publication date: July 2, 2009Inventors: Jeffrey A. Feinstein, Shane De Zilwa
-
Publication number: 20090171756Abstract: A request to generate a balance attriter risk score that characterizes a likelihood of a change in a level of creditworthiness of an individual following balance attrition is received. Thereafter, one or more creditworthiness indicators such as future credit balance increases (a proxy for the responsibility of the individual) are estimated for the individual using a predictive model trained using historical creditworthiness data of a plurality of balance attriters. These estimated future balance increases are then associated with a balance attriter risk score so that such score can be provided. Related apparatus, systems, techniques, and articles are also described.Type: ApplicationFiled: December 28, 2007Publication date: July 2, 2009Inventors: Shane De Zilwa, Jeffrey A. Feinstein
-
Publication number: 20090037308Abstract: A method and system for predicting impact of future actions on subsequent performance involves developing a prediction model that predicts a statistical interaction of performance expectation with likely behavior. In one embodiment, sensitivity to new, post-scoring date credit behaviors in the analytic solution greatly improves snapshot score predictions. The modeling approach involves multiple snapshots: predictive and performance snapshots, plus an intermediate snapshot shortly after the predictive snapshot to quantify interim behavior. Predictive interaction variables are calculated on the predictive data using simulated profiles before and after an action.Type: ApplicationFiled: August 1, 2007Publication date: February 5, 2009Inventor: Jeffrey A. Feinstein
-
Patent number: 5997883Abstract: A method is disclosed to reconstruct multiphase MR images that accurately depict the entire cardiac cycle. A segmented, gradient-recalled-echo sequence is modified to acquire data continuously. Images are retrospectively reconstructed by selecting views from each heartbeat based on cardiac phase rather than the time elapsed from the QRS complex. Cardiac phase is calculated using a model that compensates for beat-to-beat heart rate changes.Type: GrantFiled: July 1, 1997Date of Patent: December 7, 1999Assignee: General Electric CompanyInventors: Frederick H. Epstein, Andrew E. Arai, Jeffrey A. Feinstein, Thomas K. Foo, Steven D. Wolff