Patents by Inventor Niloy Gupta

Niloy Gupta 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, METHOD AND APPARATUS FOR OPTIMIZATION OF FINANCING PROGRAMS
    Publication number: 20240104645
    Abstract: A method for identifying a set of optimized financing programs to provide to a merchant may include receiving historical loan application data defining historical parameters associated with corresponding historical loan applications, replacing at least a portion of the historical parameters of the historical loan application data with new parameters associated with different loan terms to define a simulated loan data set defining simulated financing programs, determining a selection probability score for each of the simulated financing programs, the selection probability score indicating a likelihood of customer selection of each respective one of the simulated financing programs, determining a cash flow rating for each of the simulated financing programs, the cash flow rating estimating cash flow over time for the each respective one of the simulated financing programs, determining a valuation score based on the selection probability score and the cash flow rating of the each respective one of the simulated
    Type: Application
    Filed: September 22, 2022
    Publication date: March 28, 2024
    Inventors: Hanif Leoputera, Adriel Sumathipala, Nelson Chen, Ting Chih Lin, Niloy Gupta, Wojciech Piotr Swiderski, Raghavendra Abhinay Korukonda, Isaac Joseph