Patent №
US 8,150,765
Granted
2012-04-03
Filed 2010
Owner
THE PNC FINANCIAL SERVICES GROUP, INC.
Lab
—
AI components
2
ml · planning
Assignment
Recorded
Dataset
AIPD
2023_r1 edition
Application
12861523
A method for one of approving and denying a credit offering to a borrower is disclosed. The method includes calculating a probability of default rating of the borrower and calculating a loss given default rating for the borrower. The method also includes integrating the probability of default rating and the loss given default rating with other information relating to the credit offering to produce a credit memorandum and automatically outputting the credit memorandum to a user so that the user can recommend one of approval and denial of the credit offering.
AI classification
Ownership
THE PNC FINANCIAL SERVICES GROUP, INC.
assignment · 248960822
Assignors
BARIE, CYNTHIA, WICKER, DOUGLAS, HARRINGTON, MICHAEL, MCCRUM, ALAN, KUHS, HOLLY, ZIELONKA, BOBBIE, HUFFNER, BERENICE
On an employer assignment, the assignors are typically the inventors.