Patents by Inventor Shinichi Takaku

Shinichi Takaku 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 computer program product for managing credit decisions
    Patent number: 7941363
    Abstract: A system, computer program product and method for deciding whether to make a loan to an applicant and/or terms of the loan. A first program function determines a credit risk of the applicant. A second program function computes a default probability of the applicant over time based on the credit risk. The second program function determines a surviving probability of an applicant based on the applicant's credit risk. The second program function determines the default probability for each month of the term of the loan based in part on the surviving probability. A third program function computes a sum of the expected profit during each month of a term of the loan based in part on the default probability.
    Type: Grant
    Filed: August 12, 2003
    Date of Patent: May 10, 2011
    Assignee: International Business Machines Corporation
    Inventors: Satoshi Tanaka, Yasutaka Maeda, Shinichi Takaku
  • System, method and computer program for managing credit decisions
    Publication number: 20040107161
    Abstract: A system, computer program product and method for deciding whether to make a loan to an applicant and/or terms of the loan. A first program function determines a credit risk of the applicant. A second program function computes a default probability of the applicant over time based on the credit risk. The second program function determines a surviving probability of an applicant based on the applicant's credit risk. The second program function determines the default probability for each month of the term of the loan based in part on the surviving probability. A third program function computes a sum of the expected profit during each month of a term of the loan based in part on the default probability.
    Type: Application
    Filed: August 12, 2003
    Publication date: June 3, 2004
    Applicant: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Satoshi Tanaka, Yasutaka Maeda, Shinichi Takaku