Patents by Inventor Mona Mayr

Mona Mayr 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).

  • Patent number: 8600854
    Abstract: A computerized method and system for evaluating customers of a financial institution using customer relationship value tags associated customer treatment actions includes automatically analyzing information about a customer from a database of the financial institution by a customer assessment engine using a predefined statistical model to assess the value of the customer to the financial institution. At least one customer treatment action associated with the assessed value is identified by the assessment engine, and the assessment engine marks a file associated with the customer with a mark representing the assessed value and the associated customer treatment action. The marked file is then accessed by other financial systems of the financial institution, or by customer representatives of the financial institution, and the associated customer treatment action is implemented by such systems or representatives in dealing with the customer.
    Type: Grant
    Filed: April 29, 2008
    Date of Patent: December 3, 2013
    Assignee: Fair Isaac Corporation
    Inventors: Mona Mayr, Darcy Walker, Yinghua Lin, Guowei Wu, Stephen V. Coggeshall
  • Publication number: 20080208677
    Abstract: A computerized method and system for evaluating customers of a financial institution using customer relationship value tags associated customer treatment actions includes automatically analyzing information about a customer from a database of the financial institution by a customer assessment engine using a predefined statistical model to assess the value of the customer to the financial institution. At least one customer treatment action associated with the assessed value is identified by the assessment engine, and the assessment engine marks a file associated with the customer with a mark representing the assessed value and the associated customer treatment action. The marked file is then accessed by other financial systems of the financial institution, or by customer representatives of the financial institution, and the associated customer treatment action is implemented by such systems or representatives in dealing with the customer.
    Type: Application
    Filed: April 29, 2008
    Publication date: August 28, 2008
    Inventors: Mona Mayr, Darcy Walker, Yinghua Lin, Guowei Wu, Stephen V. Coggeshall
  • Patent number: 7376603
    Abstract: A computerized method and system for evaluating customers of a financial institution using customer relationship value tags and associated customer treatment actions includes automatically analyzing information about a customer from a database of the financial institution by a customer assessment engine using a predefined statistical model to assess the value of the customer to the financial institution. At least one customer treatment action associated with the assessed value is identified by the assessment engine, and the assessment engine marks a file associated with the customer with a mark representing the assessed value and the associated customer treatment action. The marked file is then accessed by other financial systems of the financial institution, or by customer representatives of the financial institution, and the associated customer treatment action is implemented by such systems or representatives in dealing with the customer.
    Type: Grant
    Filed: August 18, 1998
    Date of Patent: May 20, 2008
    Assignee: Fair Isaac Corporation
    Inventors: Mona Mayr, Darcy Walker, Yinghua Lin, Guowei Wu, Stephen V. Coggeshall
  • Publication number: 20010037289
    Abstract: A method and system for low-moderate income scoring utilizes census tract and MSA median income information relative to applicants addresses to initially classify applicants as low-moderate, and for applicants with established credit bureau histories, to classify applicants as low-moderate income, to enable forecasting credit characteristics of applicants as part of a homogeneous population of low-moderate income individuals. A reject inferencing aspect creates reject inferencing for financial institution credit applicant scorecard development utilizing anonymized archived credit bureau information relative to a reject decision and a follow-up profile of the reject's credit performance with other creditors to empirically determine from the archived credit bureau information whether the reject should be classified as a good or bad for scorecard development.
    Type: Application
    Filed: March 22, 2001
    Publication date: November 1, 2001
    Inventors: Mona Mayr, Stephen Wright
  • Patent number: 6088686
    Abstract: A user-friendly on-line computerized system operates in real-time thus streamlining the processing of applications for products and services offered by a financial institution. The system automates many steps in the credit and liability review and approval process, performs background credit worthiness evaluations based upon a applicant's credit score, financial information and new or existing relationship with the financial institution, recommends to those applicants who exceed the initial criteria for credit consideration specific credit products with predetermined credit qualified offer amounts, and ensures the required operating (credit/liability) policies are appropriately completed. The system immediately analyzes an applicant's credit bureau history and automated credit scoring, and provides these results to the LBR. The system also takes into account information relating to the applicant's new or existing relationship with the financial institution, if any, into the credit decision request.
    Type: Grant
    Filed: December 3, 1996
    Date of Patent: July 11, 2000
    Assignee: Citibank, N.A.
    Inventors: Darcy Walker, Lawrence J. Sussman, Mona Mayr, Charles G. Dean, Jr., Dennis Seib, Richard Musci, Glenn Marino