1
James Christiansen, Sangita Fatnani, Jayashree Santosh Kolhatkar, Krishnakumar Srinivasan: Method and apparatus for generating segmentation scorecards for evaluating credit risk of bank card applicants. First USA Bank NA, Hunton & Williams, March 13, 2001: US06202053 (312 worldwide citation)

The present invention is a method and apparatus that uses a plurality of predetermined segments to group credit applicants to evaluate each applicant's credit risk. The segments are based on at least one of reported trades, reported delinquency, bank card utilization, and length of said credit ...


2
Mark R Pendleton, Krishnakumar Srinivasan: Method for providing credit offering and credit management information services. CompuCredit Intellectual Property Holdings Corp III, Thomas Kayden Horstemeyer & Risley, July 24, 2007: US07249076 (148 worldwide citation)

The present invention is related to a method for issuing a credit card to a customer in combination with providing credit management information services for the customer. The exact terms of the credit account offered depend on the creditworthiness of the customer. The customer also receives credit ...


3
Krishnakumar Srinivasan, Brian F Stone, Mark R Pendleton: System and method for providing a credit account for debt recovery. Compucredit Intellectual Property Holdings Corp II, Sentry Law Group, May 18, 2010: US07720757

The invention includes systems and methods for providing a credit account for debt recovery. A recovery credit account is provided for a customer with an existing charged-off debt. Some of the customer's charged-off debt may be forgiven as part of a settlement when the customer enrolls in the recove ...


4
Krishnakumar Srinivasan, Brian F Stone, Mark R Pendleton: System and method for providing a credit account for debt recovery. Lava Group Law By Smith & Frohwein, May 12, 2005: US20050102228-A1

The invention includes systems and methods for providing a credit account for debt recovery. A recovery credit account is provided for a customer with an existing charged-off debt. Some of the customer's charged-off debt may be forgiven as part of a settlement when the customer enrolls in the recove ...


5
Krishnakumar Srinivasan, Brian F Stone, Mark R Pendleton: System and Mehtod for Providing a Credit Account for Debt Recovery. Philip H Burrus Iv, August 12, 2010: US20100205089-A1

The invention includes systems and methods for providing a credit account for debt recovery. A recovery credit account is provided for a customer with an existing charged-off debt. Some of the customer's charged-off debt may be forgiven as part of a settlement when the customer enrolls in the recove ...