Patents by Inventor Tracy Backes

Tracy Backes 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).

  • Strategic loan default scoring
    Patent number: 8751378
    Abstract: A strategic default score is determined for an entity that characterizes a likelihood of the entity voluntarily electing to default on a loan. Data characterizing credit data and valuation data of an asset owned by the entity is received. Using the received data, the strategic default score is generated which characterizes a likelihood of the entity to voluntarily elect to default on the loan when the entity is capable of paying-off the loan. Provision (e.g., display, transmission, storage, etc.) of the strategic default score is then initiated. Related apparatus, systems, techniques and articles are also described.
    Type: Grant
    Filed: February 17, 2012
    Date of Patent: June 10, 2014
    Assignee: Fair Isaac Corporation
    Inventors: Ethan Dornhelm, Lu Gao, Joanne Gaskin, Yan Wei, Tracy Backes, Andrew Leverentz
  • Strategic Loan Default Scoring
    Publication number: 20130218750
    Abstract: A strategic default score is determined for an entity that characterizes a likelihood of the entity voluntarily electing to default on a loan. Data characterizing credit data and valuation data of an asset owned by the entity is received. Using the received data, the strategic default score is generated which characterizes a likelihood of the entity to voluntarily elect to default on the loan when the entity is capable of paying-off the loan. Provision (e.g., display, transmission, storage, etc.) of the strategic default score is then initiated. Related apparatus, systems, techniques and articles are also described.
    Type: Application
    Filed: February 17, 2012
    Publication date: August 22, 2013
    Inventors: Ethan Dornhelm, Lu Gao, Joanne Gaskin, Yan Wei, Tracy Backes, Andrew Leverentz