Patents by Inventor Mario Spivak

Mario Spivak 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).

  • Method and system for assessing the risk of a vehicle dealership defaulting on a financial obligation
    Patent number: 7761351
    Abstract: The present invention relates to a method and system of assessing the risk of a vehicle dealership defaulting on a financial obligation. A preferred method embodiment of the present invention includes receiving at least one financial factor with a plurality of point weights and vehicle dealership financial statement information and determining a dealership point weight for each financial factor based on the plurality of point weights and the financial statement data to obtain a default risk rating based on the dealership point weight(s).
    Type: Grant
    Filed: April 29, 2004
    Date of Patent: July 20, 2010
    Assignee: Ford Motor Company
    Inventors: Chas Gastineau, David Hamley, Garth Waldron, Idowu Olorunfemi, Mario Spivak, Robert Camp, Tom Knoll, Todd Kolchinsky, Winnie Lin
  • Method for assessing equity adequacy
    Patent number: 7346566
    Abstract: Risk-based method for assessing an automotive finance company's equity adequacy wherein sources of creditor protection comprises equity, reserves, net deferred tax liability in the event of an overall loss, future tax liability and lifetime profits. Potential unexpected worst-case losses for each of a plurality of exposures is estimated with 99.9% confidence and compared with the company's creditor protection to demonstrate the company's equity adequacy.
    Type: Grant
    Filed: June 22, 2001
    Date of Patent: March 18, 2008
    Assignee: Ford Motor Company
    Inventors: Christine M Cooper, Mike Gulkewicz, Mario Spivak, Mark Turner, Neil Schloss, Paul Duncan McCarthy, Ron Alan Pollard, Yong Yang
  • Method and system for assessing the risk of a vehicle dealership defaulting on a financial obligation
    Publication number: 20050246256
    Abstract: The present invention relates to a method and system of assessing the risk of a vehicle dealership defaulting on a financial obligation. A preferred method embodiment of the present invention includes receiving at least one financial factor with a plurality of point weights and vehicle dealership financial statement information and determining a dealership point weight for each financial factor based on the plurality of point weights and the financial statement data to obtain a default risk rating based on the dealership point weight(s).
    Type: Application
    Filed: April 29, 2004
    Publication date: November 3, 2005
    Applicant: Ford Motor Company
    Inventors: Chas Gastineau, David Hamley, Garth Waldron, Idowu Olorunfemi, Mario Spivak, Robert Camp, Tom Knoll, Todd Kolchinsky, Winnie Lin
  • Method for assessing equity adequacy
    Publication number: 20020198797
    Abstract: Risk-based method for assessing an automotive finance company's equity adequacy wherein sources of creditor protection comprises equity, reserves, net deferred tax liability in the event of an overall loss, future tax liability and lifetime profits. Potential unexpected worst-case losses for each of a plurality of exposures is estimated with 99.9% confidence and compared with the company's creditor protection to demonstrate the company's equity adequacy.
    Type: Application
    Filed: June 22, 2001
    Publication date: December 26, 2002
    Inventors: Christine M. Cooper, Mike Gulkewicz, Mario Spivak, Mark Turner, Neil Schloss, Paul Duncan McCarthy, Ron Alan Pollard, Yong Yang