Patents by Inventor Keith Lacy

Keith Lacy 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).

  • GENERATING CREDIT CAPACITY ESTIMATES
    Publication number: 20260278675
    Abstract: One or more computer processors are used to generate an estimate of a credit capacity of a client. Financial data relating to the client is received. The financial data is input to one or more trained machine learning models. The one or more trained machine learning models are used to generate, based on the financial data, the estimate of the credit capacity.
    Type: Application
    Filed: March 26, 2025
    Publication date: September 17, 2026
    Inventors: Seyed Hossein Hajimirsadeghi, Mohamed Osama Ahmed, Edward James Smith, Vineeth Bhaskara, Mengyao Zhai, Gregory Peter Mori, Behrooz Noorizadeh, Vineel Nagisetty, Frederick Tung, Peter Forsyth, Thibaut Durand, Alexander Pashevich, Nene Azu, Alexander Scott, Keith Lacy, Ankur Agarwal, Gopala Krishnan Narayanan
  • Fragrance dispersers
    Publication number: 20070036688
    Abstract: A fragrance disperser includes a first source (25) of fragrance associated with a first flowpath (21) and a second source of fragrance (26) associated with a second flowpath (23). A fan (17) provides a flow of air along the first flowpath (21) or the second flowpath (23) to release the associated fragrance. A flow controller (38, 52) is movable by an actuator (34) to open and close the flowpaths (21, 23) so that only one fragrance is released at a time or a proportionate mixture of the two fragrances is released.
    Type: Application
    Filed: April 27, 2004
    Publication date: February 15, 2007
    Inventors: Paul Hayes-Pankhurst, Keith Lacy, Paul Wells