Patents by Inventor Ram Narayan

Ram Narayan 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).

  • Systems and computer-implemented processes for model-based underwriting
    Patent number: 11334941
    Abstract: Systems and methods are disclosed for determining one or more credit lines based on statistical approximations of credit line optimization models. By approximating the results of the optimization model, the disclosed embodiments may provide real-time account level credit line determinations based on fewer criteria than used in the optimization models. Other aspects of the disclosed embodiments are described herein.
    Type: Grant
    Filed: July 27, 2020
    Date of Patent: May 17, 2022
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Antonello Loddo, Lu Su, Leonard Roseman, Ram Narayan
  • SYSTEMS AND COMPUTER-IMPLEMENTED PROCESSES FOR MODEL-BASED UNDERWRITING
    Publication number: 20200357063
    Abstract: Systems and methods are disclosed for determining one or more credit lines based on statistical approximations of credit line optimization models. By approximating the results of the optimization model, the disclosed embodiments may provide real-time account level credit line determinations based on fewer criteria than used in the optimization models. Other aspects of the disclosed embodiments are described herein.
    Type: Application
    Filed: July 27, 2020
    Publication date: November 12, 2020
    Applicant: Capital One Services, LLC
    Inventors: Antonello Loddo, Lu Su, Leonard Roseman, Ram Narayan
  • Systems and computer-implemented processes for model-based underwriting
    Patent number: 10762560
    Abstract: Systems and methods are disclosed for determining one or more credit lines based on statistical approximations of credit line optimization models. By approximating the results of the optimization model, the disclosed embodiments may provide real-time account level credit line determinations based on fewer criteria than used in the optimization models. Other aspects of the disclosed embodiments are described herein.
    Type: Grant
    Filed: February 23, 2018
    Date of Patent: September 1, 2020
    Assignee: Capital One Services, LLC
    Inventors: Antonello Loddo, Lu Su, Leonard Roseman, Ram Narayan
  • Systems and computer-implemented processes for model-based underwriting
    Patent number: 10643276
    Abstract: Systems and methods are disclosed for determining one or more credit lines based on statistical approximations of credit line optimization models. By approximating the results of the optimization model, the disclosed embodiments may provide real-time account level credit line determinations based on fewer criteria than used in the optimization models. Other aspects of the disclosed embodiments are described herein.
    Type: Grant
    Filed: March 10, 2014
    Date of Patent: May 5, 2020
    Assignee: Capital One Services, LLC
    Inventors: Antonello Loddo, Lu Su, Leonard Roseman, Ram Narayan