Patents by Inventor R. David Franklin

R. David Franklin 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).

  • Vintage maturation analytics for predicting behavior and projecting cash flow for customer communities and their responses to economic, competitive, or management changes
    Patent number: 7702555
    Abstract: A method predicts vintage behavior. The method receives a first set of data, the first set of data being based on at least one of a first factor and a second factor. The first factor includes a factor related to vintage maturation. The second factor includes a factor not related to vintage maturation. The method determines a second set of data and a third set of data based on the first set of data, the second set of data being based on the first factor, and the third set of data being based on the second factor. The method then predicts vintage behavior based on at least one of the second set of data and the third set of data.
    Type: Grant
    Filed: February 13, 2001
    Date of Patent: April 20, 2010
    Assignee: Strategic Analytics
    Inventors: Joseph L Breeden, R David Franklin, Anthony J Giancola
  • Retail lending risk related scenario generation
    Patent number: 7469227
    Abstract: Generation of risk-related retail lending portfolio scenarios is disclosed. A selected functional form is used to decompose vintage performance data into a maturation component, an exogenous component and vintage calibration parameters for the portfolio. Known exogenous drivers are extracted from the exogenous component to create a residual exogenous component. Monthly changes in the residual exogenous component are computed, and the distribution of monthly changes in the residual exogenous component is measured. This information is used to generate a number of random potential future scenarios for the residual exogenous component and, ultimately, for the generation of a number of forecasts for key portfolio drivers.
    Type: Grant
    Filed: February 7, 2003
    Date of Patent: December 23, 2008
    Assignee: Strategic Analytics, Inc.
    Inventors: Joseph L. Breeden, Michael A. Smith, R. David Franklin
  • Retail lending risk related scenario generation
    Publication number: 20030225659
    Abstract: Generation of risk-related retail lending portfolio scenarios is disclosed. A selected functional form is used to decompose vintage performance data into a maturation component, an exogenous component and vintage calibration parameters for the portfolio. Known exogenous drivers are extracted from the exogenous component to create a residual exogenous component. Monthly changes in the residual exogenous component are computed, and the distribution of monthly changes in the residual exogenous component is measured. This information is used to generate a number of random potential future scenarios for the residual exogenous component and, utlimately, for the generation of a number of forecasts for key portfolio drivers.
    Type: Application
    Filed: February 7, 2003
    Publication date: December 4, 2003
    Inventors: Joseph L. Breeden, Michael A. Smith, R. David Franklin