Patents by Inventor Joseph Philip Milana

Joseph Philip Milana 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: 8600870
    Abstract: A data transaction is associated with a plurality of remote data sources so that a score may be generated that characterizes the transaction. The remote data sources are polled to obtain partial scores which can be used by a decisioning system to score the transaction. In some implementations, different scoring models may be used so that the data source is notified which scoring model to use when generating the partial score. Related techniques, apparatus, systems, and articles are described.
    Type: Grant
    Filed: October 29, 2007
    Date of Patent: December 3, 2013
    Assignee: Fair Isaac Corporation
    Inventor: Joseph Philip Milana
  • Patent number: 8027947
    Abstract: A first set of variables is introduced into a data transaction scoring system. The first set of variables having a maturity level less than a second set of variables previously matured on the data transaction scoring system. The maturity level corresponding to an amount of exposure to the data transaction scoring system. The amount of exposure affecting a degree of precision for the data transaction scoring system. The first set of variables are introduced by expanding a data transaction profile for the data transaction scoring system including second set of variables to further include the first set of variables. Initial values are assigned for the first set of variables based on a statistical model. After such an assignment, scoring of data transactions using the expanded data transaction profile prior to maturing the data transaction system using the first set of variables can be initiated. Related apparatus, systems, techniques, and articles are also described.
    Type: Grant
    Filed: October 12, 2007
    Date of Patent: September 27, 2011
    Assignee: Fair Isaac Corporation
    Inventors: Kyle Randolph Hinsz, Frank Wall Elliott, Jr., Joseph Philip Milana
  • Publication number: 20090125466
    Abstract: A first set of variables is introduced into a data transaction scoring system. The first set of variables having a maturity level less than a second set of variables previously matured on the data transaction scoring system. The maturity level corresponding to an amount of exposure to the data transaction scoring system. The amount of exposure affecting a degree of precision for the data transaction scoring system. The first set of variables are introduced by expanding a data transaction profile for the data transaction scoring system including second set of variables to further include the first set of variables. Initial values are assigned for the first set of variables based on a statistical model. After such an assignment, scoring of data transactions using the expanded data transaction profile prior to maturing the data transaction system using the first set of variables can be initiated. Related apparatus, systems, techniques, and articles are also described.
    Type: Application
    Filed: October 12, 2007
    Publication date: May 14, 2009
    Inventors: Kyle Randolph Hinsz, Frank Wall Elliott, JR., Joseph Philip Milana
  • Publication number: 20090112752
    Abstract: A data transaction is associated with a plurality of remote data sources so that a score may be generated that characterizes the transaction. The remote data sources are polled to obtain partial scores which can be used by a decisioning system to score the transaction. In some implementations, different scoring models may be used so that the data source is notified which scoring model to use when generating the partial score. Related techniques, apparatus, systems, and articles are described.
    Type: Application
    Filed: October 29, 2007
    Publication date: April 30, 2009
    Inventor: Joseph Philip Milana