Patents by Inventor Michael A. Vapenik
Michael A. Vapenik has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Publication number: 20160004728Abstract: In an enterprise where a database maintains multiple accounts for business customers, a method, system, and computer program product correctly links accounts which are associated with a common business. Business identification information from one or more external data sources is obtained and the format of the business identification data is standardized. Data records of business accounts are compared according to a plurality of rules for matching one business account to another. When two business accounts are found to match according to the business matching rules, a common identifier is applied to both business accounts to flag the two accounts as being associated with the same business entity. One or more hierarchy rules are applied to accounts associated with a common business, to establish a hierarchy among the accounts for purposes of marketing and other business communications.Type: ApplicationFiled: September 11, 2015Publication date: January 7, 2016Inventors: Gregory J. BALET, David Y. CHOI, Young Choon LEE, Jon William SAWYER, Danielle L. SMITH, Atul K. SRIVASTAVA, Michael A. VAPENIK
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Publication number: 20150332391Abstract: Information can be shared across a pre-approved (PA) channel and a non pre-approved (NPA) channel to reduce unnecessary offers of a transactional instrument or transactional instrument upgrade to prospects. All prospects listed in the NPA channel that have been evaluated in the PA channel may be removed from a NPA offeree list. This may be done by matching the NPA prospect list with a list of prospects who have been evaluated in the PA channel. The list of prospects evaluated in the PA channel may include, for example, prospects who were pre-approved for an offer as well as prospects who were considered for a pre-approved offer but who were denied the offer. Prospects in the NPA channel that are removed from the NPA offer list may be dropped from further NPA processing, as such prospects are either unprofitable or do not meet a transactional account company's standards for credit.Type: ApplicationFiled: May 20, 2015Publication date: November 19, 2015Inventors: Atul K. Srivastava, Yanyan Guo, Michael A. Vapenik
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Publication number: 20140025489Abstract: Information can be shared across a pre-approved (PA) channel and a non pre-approved (NPA) channel to reduce unnecessary offers of a transactional instrument or transactional instrument upgrade to prospects. All prospects listed in the NPA channel that have been evaluated in the PA channel may he removed from a NPA offeree list. This may be done by matching the NPA prospect list with a list of prospects who have been evaluated in the PA channel. The list of prospects evaluated in the PA channel may include, for example, prospects who were pre-approved for an offer as well as prospects who were considered for a pre-approved offer but who were denied the offer. Prospects in the NPA channel that are removed from the NPA offer list may he dropped from further NPA processing, as such prospects are either unprofitable or do not meet a transactional account company's standards for credit.Type: ApplicationFiled: September 24, 2013Publication date: January 23, 2014Applicant: American Express Travel Related Services Company, Inc.Inventors: Atul K. Srivastava, Yanyan Guo, Michael A. Vapenik
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Patent number: 8571929Abstract: Information can be shared across a pre-approved (PA) channel and a non pre-approved (NPA) channel to reduce unnecessary offers of a transactional instrument or transactional instrument upgrade to prospects. All prospects listed in the NPA channel that have been evaluated in the PA channel may be removed from a NPA offeree list. This may be done by matching the NPA prospect list with a list of prospects who have been evaluated in the PA channel. The list of prospects evaluated in the PA channel may include, for example, prospects who were pre-approved for an offer as well as prospects who were considered for a pre-approved offer but who were denied the offer. Prospects in the NPA channel that are removed from the NPA offer list may be dropped from further NPA processing, as such prospects are either unprofitable or do not meet a transactional account company's standards for credit.Type: GrantFiled: April 30, 2012Date of Patent: October 29, 2013Assignee: American Express Travel Related Services Company, Inc.Inventors: Atul K. Srivastava, Yanyan Guo, Michael A. Vapenik
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Publication number: 20120215606Abstract: Information can be shared across a pre-approved (PA) channel and a non pre-approved (NPA) channel to reduce unnecessary offers of a transactional instrument or transactional instrument upgrade to prospects. All prospects listed in the NPA channel that have been evaluated in the PA channel may be removed from a NPA offeree list. This may be done by matching the NPA prospect list with a list of prospects who have been evaluated in the PA channel. The list of prospects evaluated in the PA channel may include, for example, prospects who were pre-approved for an offer as well as prospects who were considered for a pre-approved offer but who were denied the offer. Prospects in the NPA channel that are removed from the NPA offer list may be dropped from further NPA processing, as such prospects are either unprofitable or do not meet a transactional account company's standards for credit.Type: ApplicationFiled: April 30, 2012Publication date: August 23, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: Atul K. Srivastava, Yanyan Guo, Michael A. Vapenik
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Patent number: 8190470Abstract: Information can be shared across a pre-approved (PA) channel and a non pre-approved (NPA) channel to reduce unnecessary offers of a transactional instrument or transactional instrument upgrade to prospects. All prospects listed in the NPA channel that have been evaluated in the PA channel may be removed from a NPA offeree list. This may be done by matching the NPA prospect list with a list of prospects who have been evaluated in the PA channel. The list of prospects evaluated in the PA channel may include, for example, prospects who were pre-approved for an offer as well as prospects who were considered for a pre-approved offer but who were denied the offer. Prospects in the NPA channel that are removed from the NPA offer list may be dropped from further NPA processing, as such prospects are either unprofitable or do not meet a transactional account company's standards for credit.Type: GrantFiled: February 16, 2007Date of Patent: May 29, 2012Assignee: American Express Travel Related Services CompanyInventors: Atul K. Srivastava, Yanyan Guo, Michael A. Vapenik
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Publication number: 20100037299Abstract: A method, system, and computer program product are used to identify an authorized officer of a business. In accordance with an exemplary method, titles of executives associated with the business are received from a plurality of data sources. Each executive's title may be classified as authorized, non-authorized or undecided, and each executive's title classified as undecided may be further classified as authorized or non-authorized by using information on the business. For each executive, conformance across the data sources of the executive's title classification is assessed, and each executive is classified as being an authorized officer, a non-authorized officer or a potential authorized officer based on the title classification and the assessed conformance. A measure of confidence is associated with each executive classification.Type: ApplicationFiled: August 8, 2008Publication date: February 11, 2010Applicant: American Express Travel Related Services Company, Inc.Inventors: Zev W. Karasick, Atul K. Srivastava, Michael A. Vapenik
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Publication number: 20080208735Abstract: In an enterprise where a database maintains multiple accounts for business customers, a method, system, and computer program product correctly links accounts which are associated with a common business. Business identification information from one or more external data sources is obtained and the format of the business identification data is standardized. Data records of business accounts are compared according to a plurality of rules for matching one business account to another. When two business accounts are found to match according to the business matching rules, a common identifier is applied to both business accounts to flag the two accounts as being associated with the same business entity. One or more hierarchy rules are applied to accounts associated with a common business, to establish a hierarchy among the accounts for purposes of marketing and other business communications.Type: ApplicationFiled: February 22, 2007Publication date: August 28, 2008Inventors: Gregory J. Balet, David Y. Choi, Young Choon Lee, Jon William Sawyer, Danielle L. Smith, Atul K. Srivastava, Michael A. Vapenik
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Publication number: 20080197189Abstract: Information can be shared across a pre-approved (PA) channel and a non pre-approved (NPA) channel to reduce unnecessary offers of a transactional instrument or transactional instrument upgrade to prospects. All prospects listed in the NPA channel that have been evaluated in the PA channel may be removed from a NPA offeree list. This may be done by matching the NPA prospect list with a list of prospects who have been evaluated in the PA channel. The list of prospects evaluated in the PA channel may include, for example, prospects who were pre-approved for an offer as well as prospects who were considered for a pre-approved offer but who were denied the offer. Prospects in the NPA channel that are removed from the NPA offer list may be dropped from further NPA processing, as such prospects are either unprofitable or do not meet a transactional account company's standards for credit.Type: ApplicationFiled: February 16, 2007Publication date: August 21, 2008Applicant: American Express Travel Related Services Company, Inc.Inventors: Atul K. Srivastava, Yanyan Guo, Michael A. Vapenik