| Patent application number | Description | Published |
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| 20090037208 | Using a reason code to indicate a reason for a rating of a network interaction - Providing a reason code for a network interaction is disclosed. One or more data regarding a new incoming network interaction originated from a third party device over a network is received. A rating of the network interaction is determined based at least in part on the one or more data regarding the network interaction. A reason code is determined. The reason code indicates a reason for the rating. The reason code for the network interaction is provided. | 02-05-2009 |
| 20090037323 | METHOD AND APPARATUS SYSTEM FOR MODELING CONSUMER CAPACITY FOR FUTURE INCREMENTAL DEBT IN CREDIT SCORING - Predicting impact of future actions on subsequent creditworthiness involves developing a prediction model that predicts a statistical interaction of performance expectation with likely post-scoring behavior. Including sensitivity to new, post-scoring date credit behaviors in the analytic solution greatly improves snapshot score predictions. The modeling approach involves multiple snapshots: predictive and performance snapshots, plus an intermediate snapshot shortly after the predictive snapshot to quantify interim consumer behavior post-scoring date. Predictive interaction variables are calculated on the predictive data using simulated consumer profiles before and after assuming a sizeable simulated balance to infer the consumer's tolerance for incremental future debt. Using an adjustor approach in predicting capacity allows isolation of the confounding effect of risk from the capacity determination. A resulting capacity index can be used to rank order originations and line increases according to capacity in consumer, bankcard, automobile and mortgage lending. | 02-05-2009 |
| 20100049665 | BASEL ADAPTIVE SEGMENTATION HEURISTICS - A system and method for identifying homogeneous risk pools used in the calculation of minimum capital requirements for a number of segments of a population of portfolios is presented. An F-ratio objective function representing a probability of a risk event across all of the number of segments of the population is calculated using an F-ratio objective function engine. An input dataset that defines a decision tree structure for the population is received. The F-ratio objective function of the risk event is maximized using a generic algorithm-based search engine to optimize the decision tree structure to group the number of segments according to one or more of the homogeneous risk pools, and a score for each homogeneous risk pool is then generated. | 02-25-2010 |
| 20100125532 | METHOD AND APPARATUS FOR MODELING ECONOMIC CONDITIONS AS APPLIED TO MULTIPLE RISK GRADES - A computerized method includes scoring a plurality of loans, and banding the plurality of loans into risk pools on the basis of the scores associated with the plurality of loans. The computerized method also includes modeling a change in y-intercept and slope of the natural log of the odds to the loan scores relationship, using that predicted log odds to calculate the probability of default for the plurality of risk pools over time as a function of a set of macro-economic data. A machine readable medium provides instructions that, when executed by a machine, cause the machine to perform the above on a system for determining an amount of capital to hold in reserve for a plurality of loan risk pools and to set strategies for managing risk for a plurality of risk pools. | 05-20-2010 |
| Patent application number | Description | Published |
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| 20080198936 | SIGNALING AND USE OF CHROMA SAMPLE POSITIONING INFORMATION - Rules for the signaling and interpretation of chroma position are described. One rule, called the short rule, defines fifteen discrete chroma centering positions and corresponding four-bit syntax element. Another rule, called the extended rule, defines 81 discrete chroma centering positions and corresponding seven-bit syntax elements. A described method includes receiving digital media data at a digital media encoder, determining chroma position information for the received digital media data, and representing the chroma position information with one or more syntax elements in an encoded bitstream. The one or more syntax elements are operable to communicate the chroma position information to a digital media decoder. The chroma position information facilitates an image rotation or flip. | 08-21-2008 |
| 20080232452 | Parameterized filters and signaling techniques - Filter taps for filters are specified by filter coefficient parameters. The filter taps are greater in number than the coefficient parameters from which the filter taps are calculated. For example, two coefficient parameters are used to specify a four-tap filter. Filter information can be signaled in a bitstream, such as by signaling one or more family parameters for a filter family and, for each filter in a family, signaling one or more filter tap parameters from which filter taps can be derived. Family parameters can include a number of filters parameter, a resolution parameter, a scaling bits parameter, and/or a full integer position filter present parameter that indicates whether or not the filters include an integer position filter. Filter parameters can be signaled and used to determine coefficient parameters from which filter taps are calculated. | 09-25-2008 |
| 20090168805 | METHODS AND SYSTEMS FOR START CODE EMULATION PREVENTION AND DATA STUFFING - Methods and systems provide approaches to start code emulation prevention at a granularity higher than the bit level. By operating at a level other than the bit level, processing capability requirements on both the encoder and decoder side can be reduced. In accordance with one or more embodiments, a start code emulation prevention method looks for data patterns relative to fixed-size data portions larger than single bits. When a particular pattern is found, start code emulation prevention data is inserted to prevent start code emulation. The inserted data is larger than a single bit and, in some embodiments, comprises a byte. When a decoder decodes data that has had start code emulation prevention data inserted, it can easily identify legitimate start codes and then can remove the start code emulation prevention data to provide the original data that was protected. In addition, a data stuffing method is described which allows payload data to be rounded up in size to an integer number of byte sizes, and then allows filler data to be added in a manner which is easily detectable by a decoder. | 07-02-2009 |
| 20090297054 | REDUCING DC LEAKAGE IN HD PHOTO TRANSFORM - In certain embodiments, to eliminate DC leakage into surrounding AC values, scaling stage within a photo overlap transform operator is modified such that the off-diagonal elements of the associated scaling matrix have the values of 0. In certain embodiments, the on-diagonal scaling matrix are given the values (0.5, 2). In some embodiments, the scaling is performed using a combination of reversible modulo arithmetic and lifting steps. In yet other embodiments, amount of DC leakage is estimated at the encoder, and preprocessing occurs to mitigate amount of leakage, with the bitstream signaling that preprocessing has occurred. A decoder may then read the signal and use the information to mitigate DC leakage. | 12-03-2009 |
| 20100092098 | REDUCED DC GAIN MISMATCH AND DC LEAKAGE IN OVERLAP TRANSFORM PROCESSING - In certain embodiments, overlap operators are applied during encoding and/or decoding of digital media, where the overlap operators have reduced DC gain mismatch and/or DC leakage between interior overlap operators and overlap operators at the edge and/or corner. In other embodiments, information indicating a selected tile boundary option for overlap processing can be encoded and/or decoded. The selected tile boundary option indicates one of a hard tile boundary option and a soft tile boundary option for processing with overlap operators. Overlap transform processing can then be applied based at least in part on the selected tile boundary option. | 04-15-2010 |
