Patents by Inventor Luz Torrez

Luz Torrez 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).

  • Methods and systems for characteristic leveling
    Patent number: 7974919
    Abstract: Characteristic normalization (or leveling) is a process that yields consistent and equitable characteristic definitions across multiple sources of credit information. This leveling ensures that when the same data is present for multiple credit sources, for example two or more credit reporting agencies, it is interpreted in the same manner, acknowledging that differences in the data itself may still be present.
    Type: Grant
    Filed: August 9, 2010
    Date of Patent: July 5, 2011
    Assignee: VantageScore Solutions, LLC
    Inventors: Marie Conlin, Sherry Harper, Luz Torrez
  • Methods and Systems for Characteristic Leveling
    Publication number: 20100299247
    Abstract: Characteristic normalization (or leveling) is a process that yields consistent and equitable characteristic definitions across multiple sources of credit information. This leveling ensures that when the same data is present for multiple credit sources, for example two or more credit reporting agencies, it is interpreted in the same manner, acknowledging that differences in the data itself may still be present.
    Type: Application
    Filed: August 9, 2010
    Publication date: November 25, 2010
    Inventors: Marie Conlin, Sherry Harper, Luz Torrez
  • Methods and systems for characteristic leveling
    Patent number: 7801812
    Abstract: Characteristic normalization (or leveling) is a process that yields consistent and equitable characteristic definitions across multiple sources of credit information. This leveling ensures that when the same data is present for multiple credit sources, for example two or more credit reporting agencies, it is interpreted in the same manner, acknowledging that differences in the data itself may still be present.
    Type: Grant
    Filed: March 12, 2007
    Date of Patent: September 21, 2010
    Assignee: VantageScore Solutions, LLC
    Inventors: Marie Conlin, Sherry Harper, Luz Torrez
  • Methods and Systems for Characteristic Leveling
    Publication number: 20070282736
    Abstract: Characteristic normalization (or leveling) is a process that yields consistent and equitable characteristic definitions across multiple sources of credit information. This leveling ensures that when the same data is present for multiple credit sources, for example two or more credit reporting agencies, it is interpreted in the same manner, acknowledging that differences in the data itself may still be present.
    Type: Application
    Filed: March 12, 2007
    Publication date: December 6, 2007
    Inventors: Marie Conlin, Sherry Harper, Luz Torrez