Mario N Spivak

US Patent:

7761351, Jul 20, 2010

Filed:

Apr 29, 2004

Appl. No.:

10/834664

Inventors:

Chas Gastineau - Beverly Hills MI, US
David Hamley - Wexford PA, US
Garth Waldron - Ypsilanti MI, US
Idowu Olorunfemi - LaSalle, CA
Mario Spivak - Ann Arbor MI, US
Robert Camp - Winston-Salem NC, US
Tom Knoll - Highlands Ranch CO, US
Todd Kolchinsky - Farmington Hills MI, US
Winnie Lin - Ann Arbor MI, US

Assignee:

Ford Motor Company - Dearborn MI

International Classification:

G06Q 40/00

US Classification:

705 35, 705 38, 705 36 R

Abstract:

The present invention relates to a method and system of assessing the risk of a vehicle dealership defaulting on a financial obligation. A preferred method embodiment of the present invention includes receiving at least one financial factor with a plurality of point weights and vehicle dealership financial statement information and determining a dealership point weight for each financial factor based on the plurality of point weights and the financial statement data to obtain a default risk rating based on the dealership point weight(s).

US Patent:

20020198797, Dec 26, 2002

Filed:

Jun 22, 2001

Appl. No.:

09/681902

Inventors:

Christine Cooper - Hornchurch Essex, GB
Mike Gulkewicz - Canton MI, US
Mario Spivak - Ann Arbor MI, US
Mark Turner - West Bloomfield MI, US
Neil Schloss - West Bloomfield MI, US
Paul McCarthy - Ann Arbor MI, US
Ron Pollard - Novi MI, US
Yong Yang - Ann Arbor MI, US

International Classification:

G06F017/60

US Classification:

705/035000

Abstract:

Risk-based method for assessing an automotive finance company's equity adequacy wherein sources of creditor protection comprises equity, reserves, net deferred tax liability in the event of an overall loss, future tax liability and lifetime profits. Potential unexpected worst-case losses for each of a plurality of exposures is estimated with 99.9% confidence and compared with the company's creditor protection to demonstrate the company's equity adequacy.