Patents by Inventor Raymond P. Dalessandro

Raymond P. Dalessandro 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).

  • DATA STRATIFICATION AND CORRESPONDENCE GENERATION SYSTEM
    Publication number: 20110313912
    Abstract: Some embodiments may relate to a computerized data stratification and correspondence generation process. For instance, in some embodiments a processor may retrieve a guarantor's income predictor, number of dependents, Open Auto, Mortgage, Open To Buy, HCPI, Derogatories, Open To Buy, and Total Charges from a plurality of data sources, and the processor may take the sum of the guarantor's HCPI and HCPI adjustment amounts. Such a calculation may result in a payment probability indicator. In some embodiments the indicator may correspond to one or more debt collection methodologies.
    Type: Application
    Filed: June 9, 2011
    Publication date: December 22, 2011
    Applicant: ETACTICS, LLC
    Inventors: Michael Teutsch, Carl Trownson, JR., Raymond P. Dalessandro, Eric P. Svonavec, James M. Balint, Stephen E. Smith