Patents by Inventor Krishnan Swamy

Krishnan Swamy 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).

  • SYSTEMS AND COMPUTER-IMPLEMENTED PROCESSES FOR OCCUPATIONAL RISK ASSESSMENT
    Publication number: 20210073908
    Abstract: Systems and methods are disclosed for determine creditworthiness based on the stability of the customer's occupation. Occupational risk scores may be used to group stable or unstable occupations and may be used in conjunction with other indicators of creditworthiness. Risk band scores may also be used to determine creditworthiness. Other aspects of the disclosed embodiments are described herein.
    Type: Application
    Filed: November 19, 2020
    Publication date: March 11, 2021
    Applicant: Capital One Services, LLC
    Inventors: Krishnan Swamy, Nikhil Murgai
  • Systems and computer-implemented processes for occupational risk assessment
    Patent number: 10872376
    Abstract: Systems and methods are disclosed for determine creditworthiness based on the stability of the customer's occupation. Occupational risk scores may be used to group stable or unstable occupations and may be used in conjunction with other indicators of creditworthiness. Risk band scores may also be used to determine creditworthiness. Other aspects of the disclosed embodiments are described herein.
    Type: Grant
    Filed: November 19, 2018
    Date of Patent: December 22, 2020
    Assignee: Capital One Services, LLC
    Inventors: Krishnan Swamy, Nikhil Murgai
  • SYSTEMS AND COMPUTER-IMPLEMENTED PROCESSES FOR OCCUPATIONAL RISK ASSESSMENT
    Publication number: 20190087895
    Abstract: Systems and methods are disclosed for determine creditworthiness based on the stability of the customer's occupation. Occupational risk scores may be used to group stable or unstable occupations and may be used in conjunction with other indicators of creditworthiness. Risk band scores may also be used to determine creditworthiness. Other aspects of the disclosed embodiments are described herein.
    Type: Application
    Filed: November 19, 2018
    Publication date: March 21, 2019
    Applicant: Capital One Financial Corporation
    Inventors: Krishnan SWAMY, Nikhil Murgai
  • Systems and computer-implemented processes for occupational risk assessment
    Patent number: 10157418
    Abstract: Systems and methods are disclosed for determine creditworthiness based on the stability of the customer's occupation. Occupational risk scores may be used to group stable or unstable occupations and may be used in conjunction with other indicators of creditworthiness. Risk band scores may also be used to determine creditworthiness. Other aspects of the disclosed embodiments are described herein.
    Type: Grant
    Filed: December 2, 2013
    Date of Patent: December 18, 2018
    Assignee: Capital One Financial Services
    Inventors: Krishnan Swamy, Nikhil Murgai
  • SYSTEMS AND COMPUTER-IMPLEMENTED PROCESSES FOR OCCUPATIONAL RISK ASSESSMENT
    Publication number: 20180137564
    Abstract: Systems and methods are disclosed for determine creditworthiness based on the stability of the customer's occupation. Occupational risk scores may be used to group stable or unstable occupations and may be used in conjunction with other indicators of creditworthiness. Risk band scores may also be used to determine creditworthiness. Other aspects of the disclosed embodiments are described herein.
    Type: Application
    Filed: January 11, 2018
    Publication date: May 17, 2018
    Applicant: Capital One Financial Corporation
    Inventors: Krishnan Swamy, Nikhil Murgai