Patents by Inventor Theodore P. Washburne

Theodore P. Washburne 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).

  • Method and apparatus for pattern generation
    Patent number: 6598030
    Abstract: Methods and apparatus for transforming scoreable transaction data into financial data features are disclosed. In one aspect, a computer-implemented method transforms transaction data into a financial data feature for assessing credit risks. The financial data feature is extracted from the transaction data. The method involves obtaining the transaction data from a data source, and performing a set of operations on the transaction data to transform the transaction data into the financial data feature. The set of operations is selected only from a predefined set of classes of operations which are interrelated by a predefined order of precedence. Each operation in the set of operations is performed in an order based on the predefined order of precedence of a class associated with each operator.
    Type: Grant
    Filed: December 3, 1999
    Date of Patent: July 22, 2003
    Assignee: Visa International Service Association
    Inventors: Kevin P. Siegel, Patrick L. Faith, Theodore P. Washburne
  • Method and apparatus for pattern generation
    Patent number: 6018723
    Abstract: Methods and apparatus for transforming scoreable transaction data into financial data features are disclosed. In one aspect, a computer-implemented method transforms transaction data into a financial data feature for assessing credit risks. The financial data feature is extracted from the transaction data. The method involves obtaining the transaction data from a data source, and performing a set of operations on the transaction data to transform the transaction data into the financial data feature. The set of operations is selected only from a predefined set of classes of operations which are interrelated by a predefined order of precedence. Each operation in the set of operations is performed in an order based on the predefined order of precedence of a class associated with each operator.
    Type: Grant
    Filed: May 27, 1997
    Date of Patent: January 25, 2000
    Assignee: Visa International Service Association
    Inventors: Kevin P. Siegel, Patrick L. Faith, Theodore P. Washburne