Patents by Inventor Stanley D. Oliai

Stanley D. Oliai 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 and method for outputting a credit risk report based on debit data
    Patent number: 8694420
    Abstract: An apparatus and method for utilizing debit data to report credit risk, the apparatus having an inquiry server, a credit database, a debit database and a scorecard database. The inquiry server generating a credit risk score and report based solely on credit data when sufficient, based on a combination of credit and data when credit data is present but insufficient, and based solely on debit data when no credit data is present.
    Type: Grant
    Filed: June 21, 2010
    Date of Patent: April 8, 2014
    Assignee: Experian Information Solutions, Inc.
    Inventor: Stanley D. Oliai