Patents by Inventor Nana Banerjee

Nana Banerjee 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).

  • System and method for monitoring managing and valuing credit accounts
    Patent number: 8332291
    Abstract: The present invention relates to a system and method for estimating the future and present value of credit accounts (FIG. 1). A plurality of profit driver segments (105) are established. A degree of belonging of the credit account to each of the plurality of profit driver segments (105) is determine by characterizing the credit account based upon it historical behavior (110). The probability of migration of the credit account from at least one profit driver segment (105) to at least one profit driver segment based upon historical behavior data is determined. The credit account can then be valued based upon the characterization of the credit account and the determined probability of migration. By examinating how accounts migrate between behavior segments over multiple periods, and analyzing the discounted cash flows associated with these migration patterns, a net present value may be calculated for each account.
    Type: Grant
    Filed: October 5, 2001
    Date of Patent: December 11, 2012
    Assignee: Argus Information and Advisory Services, Inc.
    Inventors: Nikolas Sulkowski, Leonard Laufer, Nana Banerjee
  • System and method for monitoring managing and valuing credit accounts
    Publication number: 20040039688
    Abstract: The present invention relates to a system and method for estimating the future and present value of credit accounts (FIG. 1). A plurality of profit driver segments (105) are established. A degree of belonging of the credit account to each of the plurality of profit driver segments (105) is determine by characterizing the credit account based upon it historical behavior (110). The probability of migration of the credit account from at least one profit driver segment (105) to at least one profit driver segment based upon historical behavior data is determined. The credit account can then be valued based upon the characterization of the credit account and the determined probability of migration. By examinating how accounts migrate between behavior segments over multiple periods, and analyzing the discounted cash flows associated with these migration patterns, a net present value may be calculated for each account.
    Type: Application
    Filed: August 25, 2003
    Publication date: February 26, 2004
    Inventors: Nikolas Sulkowski, Leonard Laufer, Nana Banerjee