Gary M Sullivan

US Patent:

6781096, Aug 24, 2004

Filed:

Aug 9, 2002

Appl. No.:

10/215425

Inventors:

Gary Dale Sullivan - Arvada CO

Assignee:

Matrix Innovations, LLC - Denver CO

International Classification:

H05B 102

US Classification:

219492, 219490

Abstract:

A generic, self-tuning control system deployable in a wide variety of systems is achieved from a digital system effectuating a matrix chain. Each matrix in the chain yields an output based upon two or more inputs. The outputs of the various matrices making up the chain are used as inputs to other matrices in the chain. Measured inputs are state variables of the system under control. Some inputs that are generated by other matrices are state variables. Consequently, the set of values generated by the matrices results from the state variables describing the system at a given point in time. Initially, the matrices exhibit a quality referred to as symmetry. This quality serves to cause the system under control to transition to desired state. In addition to the controlling force exerted by virtue of the symmetry of the matrices, a learning algorithm may be introduced to the matrix chain. The learning algorithm strategically introduces asymmetries into one or more matrices, so as to cause the matrix chain to better reflect the dynamics of the system it is controlling.

US Patent:

20100125532, May 20, 2010

Filed:

Nov 20, 2008

Appl. No.:

12/275017

Inventors:

MICHAEL COHEN - Denver CO, US
Gary J. Sullivan - San Francisco CA, US
Chenyang Lian - El Cerrito CA, US

International Classification:

G06Q 40/00

US Classification:

705 36 R, 705 35

Abstract:

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.

US Patent:

20120246048, Sep 27, 2012

Filed:

Mar 26, 2012

Appl. No.:

13/430359

Inventors:

Michael Cohen - Denver CO, US
Chenyang Lian - Richmond CA, US
Andrew Leverentz - San Francisco CA, US
Frederic Huynh - Novato CA, US
Erik Franco - Napa CA, US
Gary Sullivan - San Francisco CA, US
Jeffrey Feinstein - Atlanta GA, US
Hui Zhu - Boston MA, US
Chetan Bhat - San Diego CA, US

International Classification:

G06Q 40/00

US Classification:

705 35

Abstract:

A cross-sectional model is provided that determines the relationship between macroeconomic factors and the odds to score relationship of a scoring model. The cross-sectional model takes economic data from various economic regions, as opposed to time periods, as input, and produces, as output, a prediction of the curve-of-best fit that relates a score to a probability (i.e., the probability of the outcome in question such as paying back a loan or filing an insurance claim, etc.). Related systems, methods and articles are also described.