Patents by Inventor Manoj Pinnamaneni

Manoj Pinnamaneni 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).

  • Adverse action systems and methods for communicating adverse action notifications for processing systems using different ensemble modules
    Patent number: 12271945
    Abstract: This invention relates generally to the personal finance and banking field, and more particularly to the field of lending and credit notification methods and systems. Preferred embodiments of the present invention provide systems and methods for automatically generating high quality adverse action notifications based on identifying variations between a declined borrower's profile and that of approved applicants, both with simple and sophisticated credit scoring systems, using specific algorithms.
    Type: Grant
    Filed: August 22, 2018
    Date of Patent: April 8, 2025
    Assignee: ZestFinance, Inc.
    Inventors: John W. L. Merrill, Shawn M. Budde, John Candido, Lingyun Gu, Farshad Kheiri, James P. McGuire, Douglas C. Merrill, Manoj Pinnamaneni, Marick Sinay
  • ADVERSE ACTION SYSTEMS AND METHODS FOR COMMUNICATING ADVERSE ACTION NOTIFICATIONS FOR PROCESSING SYSTEMS USING DIFFERENT ENSEMBLE MODULES
    Publication number: 20180365765
    Abstract: This invention relates generally to the personal finance and banking field, and more particularly to the field of lending and credit notification methods and systems. Preferred embodiments of the present invention provide systems and methods for automatically generating high quality adverse action notifications based on identifying variations between a declined borrower's profile and that of approved applicants, both with simple and sophisticated credit scoring systems, using specific algorithms.
    Type: Application
    Filed: August 22, 2018
    Publication date: December 20, 2018
    Inventors: John W.L. Merrill, Shawn M. Budde, John Candido, Lingyun Gu, Farshad Kheiri, James P. McGuire, Douglas C. Merrill, Manoj Pinnamaneni, Marick Sinay
  • SYSTEM AND METHOD FOR BUILDING AND VALIDATING A CREDIT SCORING FUNCTION
    Publication number: 20160225076
    Abstract: This invention relates generally to the personal finance and banking field, and more particularly to the field of credit scoring methods and systems. Preferred embodiments of the present invention provide systems and methods for building and validating a credit scoring function based on a creditor's target information from non-traditional sources using specific algorithms.
    Type: Application
    Filed: January 8, 2016
    Publication date: August 4, 2016
    Inventors: Douglas C. Merrill, John W.L. Merrill, Shawn M. Budde, Lingyun Gu, James P. McGuire, Manoj Pinnamaneni
  • METHODS AND SYSTEMS FOR AUTOMATICALLY GENERATING HIGH QUALITY ADVERSE ACTION NOTIFICATIONS
    Publication number: 20160155193
    Abstract: This invention relates generally to the personal finance and banking field, and more particularly to the field of lending and credit notification methods and systems. Preferred embodiments of the present invention provide systems and methods for automatically generating high quality adverse action notifications based on identifying variations between a declined borrower's profile and that of approved applicants, both with simple and sophisticated credit scoring systems, using specific algorithms.
    Type: Application
    Filed: November 30, 2015
    Publication date: June 2, 2016
    Inventors: John W.L. Merrill, Shawn M. Budde, John Candido, Lingyun Gu, Farshad Kheiri, James P. McGuire, Douglas C. Merrill, Manoj Pinnamaneni, Marick Sinay
  • METHODS AND SYSTEMS FOR AUTOMATICALLY GENERATING HIGH QUALITY ADVERSE ACTION NOTIFICATIONS
    Publication number: 20140214648
    Abstract: This invention relates generally to the personal finance and banking field, and more particularly to the field of lending and credit notification methods and systems. Preferred embodiments of the present invention provide systems and methods for automatically generating high quality adverse action notifications based on identifying variations between a declined borrower's profile and that of approved applicants, both with simple and sophisticated credit scoring systems, using specific algorithms.
    Type: Application
    Filed: January 31, 2014
    Publication date: July 31, 2014
    Applicant: ZESTFINANCE, INC.
    Inventors: John W.L. Merrill, Shawn M. Budde, John B. Candido, III, Lingyun Gu, Farshad Kheiri, James P. McGuire, Douglas C. Merrill, Manoj Pinnamaneni, Marick Sinay
  • SYSTEM AND METHOD FOR BUILDING AND VALIDATING A CREDIT SCORING FUNCTION
    Publication number: 20140081832
    Abstract: This invention relates generally to the personal finance and banking field, and more particularly to the field of credit scoring methods and systems. Preferred embodiments of the present invention provide systems and methods for building and validating a credit scoring function based on a creditor's target information from non-traditional sources using specific algorithms.
    Type: Application
    Filed: September 18, 2012
    Publication date: March 20, 2014
    Inventors: Douglas Merrill, John Merrill, Shawn M. Budde, Lingyun Gu, James P. McGuire, Manoj Pinnamaneni