Patents by Inventor Vipin Ramani

Vipin Ramani 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 system to manage a credit portfolio and to trigger credit actions
    Patent number: 8131635
    Abstract: A method to trigger credit actions may include determining a quantity of triggers flagged for a selected creditor. The method may also include establishing an action plan in response to the quantity of flagged triggers being greater than the predetermined number. In accordance with another embodiment of the present invention, a system to trigger credit actions may include a processor and at least one trigger. The system may also include a credit action program operable on the processor to generate a sires of inquiries and to determine a quantity of the at least one trigger being flagged based on the responses to the series of inquiries for a selected creditor.
    Type: Grant
    Filed: April 20, 2004
    Date of Patent: March 6, 2012
    Assignee: Bank of America Corporation
    Inventors: Kris Gagnon, Bridget Garavalia, Hetty E. Harlan, Michael McKay, Jackie Noble, Arun Pinto, Vipin Ramani
  • Private Institutional Credit Derivative
    Publication number: 20080103961
    Abstract: Systems and methods are disclosed for providing a credit derivative to protect against the credit risk associated with a private debt on an individual basis. A financial institution lending money to a private entity may desire a credit derivative product that allows the financial institution to protect against the risk of default by the private entity. Such a credit derivative product allows the financial institution to bifurcate the cash flow from the privately issued loan into a no-risk portion and a credit risk portion. Once an agreement for a credit derivative product is executed, the information for the derivative product may be recorded and maintained in the institution's bookkeeping system. In some instances, the agreement may include an early termination option for the protection buyer.
    Type: Application
    Filed: November 1, 2006
    Publication date: May 1, 2008
    Applicant: BANK OF AMERICA
    Inventors: Vipin Ramani, Daniel Angres, Glen Danziger, Colin J. McClary, Stephen T. Monahan, Arrington Hearn Mixon, Charles L. Ruifrok
  • METHOD AND SYSTEM TO MANAGE A CREDIT PORTFOLIO AND TO TRIGGER CREDIT ACTIONS
    Publication number: 20050234792
    Abstract: A method to trigger credit actions may include determining a quantity of triggers flagged for a selected creditor. The method may also include establishing an action plan in response to the quantity of flagged triggers being greater than the predetermined number. In accordance with another embodiment of the present invention, a system to trigger credit actions may include a processor and at least one trigger. The system may also include a credit action program operable on the processor to generate a sires of inquiries and to determine a quantity of the at least one trigger being flagged based on the responses to the series of inquiries for a selected creditor.
    Type: Application
    Filed: April 20, 2004
    Publication date: October 20, 2005
    Inventors: Kris Gagnon, Bridget Garavalia, Hetty Harlan, Michael McKay, Jackie Noble, Arun Pinto, Vipin Ramani