Patents by Inventor Patrick R. Lowery
Patrick R. Lowery 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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Patent number: 10068252Abstract: The present disclosure includes a system, method, and article of manufacture for measuring the effectiveness of an advertisement. In various embodiments, the system may compare exposed data indicating that a first customer was exposed to a targeted advertisement to a first spending activity associated with the first customer. The system may further compare unexposed data indicating that a second customer was exposed to a neutral advertisement to a second spending activity associated with the second customer. Further still, the system may, in various embodiments, generate a spend report based on the comparing the exposed data to the first spending activity and the comparing the unexposed data to the second spending activity.Type: GrantFiled: February 29, 2016Date of Patent: September 4, 2018Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: David S. Bonalle, Brian C. Bender, Mehmet E. Dedeoglu, Rajendra R. Rane, Tamara F. Odinec, Patrick R. Lowery
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Publication number: 20180129717Abstract: Various systems and methods for financial analysis are provided. A system is provided comprising a first node comprising a public facing data store in communication with a private facing data store, wherein the first node further comprises a cooperative lookup module configured to locate a second node, a secure data connection between the first node and the second node, and wherein the first node is configured to request processed internal data from the second node.Type: ApplicationFiled: July 28, 2017Publication date: May 10, 2018Inventors: David S. Bonalle, Michael S. Lemberger, Patrick R. Lowery, Rajendra R. Rane
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Patent number: 9940628Abstract: Various systems and methods for measuring ad impression effectiveness are provided. A method is provided comprising selecting, by an ad impression processor, a target consumer for an ad impression, delivering the ad impression to the target consumer, determining, by the processor, a behavior of the target consumer after a time period elapses, wherein the determining comprises analyzing internal data relating to the target consumer.Type: GrantFiled: August 5, 2011Date of Patent: April 10, 2018Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Brian C. Bender, David S. Bonalle, Mehmet Dedeoglu, Patrick R. Lowery, Tamara F. Odinec, Rajendra R. Rane
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Patent number: 9720987Abstract: Various systems and methods for financial analysis are provided. A system is provided comprising a first node comprising a public facing data store in communication with a private facing data store, wherein the first node further comprises a cooperative lookup module configured to locate a second node, a secure data connection between the first node and the second node, and wherein the first node is configured to request processed internal data from the second node.Type: GrantFiled: January 30, 2014Date of Patent: August 1, 2017Assignee: III Holdings 1, LLCInventors: David S. Bonalle, Michael S. Lemberger, Patrick R. Lowery, Rajendra R. Rane
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Patent number: 9589271Abstract: Various systems and methods for measuring ad impression effectiveness are provided. A method is provided comprising selecting, by an ad impression processor, a target consumer for an ad impression, delivering the ad impression to the target consumer, determining, by the processor, a behavior of the target consumer after a time period elapses, wherein the determining comprises analyzing internal data relating to the target consumer.Type: GrantFiled: August 5, 2011Date of Patent: March 7, 2017Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Brian C. Bender, David S. Bonalle, Mehmet Dedeoglu, Patrick R. Lowery, Tamara F. Odinec, Rajendra R. Rane
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Patent number: 9530143Abstract: Various systems and methods for measuring ad impression effectiveness are provided. A method is provided comprising selecting, by an ad impression processor, a target consumer for an ad impression, delivering the ad impression to the target consumer, determining, by the processor, a behavior of the target consumer after a time period elapses, wherein the determining comprises analyzing internal data relating to the target consumer.Type: GrantFiled: August 5, 2011Date of Patent: December 27, 2016Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Brian C. Bender, David S. Bonalle, Mehmet Dedeoglu, Patrick R. Lowery, Tamara F. Odinec, Rajendra R. Rane
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Publication number: 20160180387Abstract: The present disclosure includes a system, method, and article of manufacture for measuring the effectiveness of an advertisement. In various embodiments, the system may compare exposed data indicating that a first customer was exposed to a targeted advertisement to a first spending activity associated with the first customer. The system may further compare unexposed data indicating that a second customer was exposed to a neutral advertisement to a second spending activity associated with the second customer. Further still, the system may, in various embodiments, generate a spend report based on the comparing the exposed data to the first spending activity and the comparing the unexposed data to the second spending activity.Type: ApplicationFiled: February 29, 2016Publication date: June 23, 2016Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: DAVID S. BONALLE, BRIAN C. BENDER, Mehmet E. Dedeoglu, Rajendra R. Rane, Tamara F. Odine, Patrick R. Lowery
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Publication number: 20160110693Abstract: A computer implemented method for performing payment account billing address verification. The method comprises the steps of receiving an authorization request, including payment account information and billing address information, from a merchant. The authorization request is transmitted to an issuer associated with the payment account. At the same time, an address verification request is transmitted, including the payment account information and billing address information, to an outside service provider. The authorization response from the issuer and the results of the address verification address are received. An indication is made on the authorization response regarding the results of the address verification request, and the authorization response is transmitted to the merchant.Type: ApplicationFiled: October 16, 2014Publication date: April 21, 2016Inventors: Justin X. Howe, Patrick R. Lowery, Clara Salazar
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Patent number: 9311653Abstract: The present disclosure includes a system, method, and article of manufacture for measuring the effectiveness of an advertisement. In various embodiments, the system may compare exposed data indicating that a first customer was exposed to a targeted advertisement to a first spending activity associated with the first customer. The system may further compare unexposed data indicating that a second customer was exposed to a neutral advertisement to a second spending activity associated with the second customer. Further still, the system may, in various embodiments, generate a spend report based on the comparing the exposed data to the first spending activity and the comparing the unexposed data to the second spending activity.Type: GrantFiled: January 11, 2012Date of Patent: April 12, 2016Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: David S. Bonalle, Brian C. Bender, Mehmet E. Dedeoglu, Rajendra R. Rane, Tamara F. Odinec, Patrick R. Lowery
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Patent number: 9208510Abstract: The present disclosure includes a system, method, and article of manufacture for spend based targeting. In various embodiments, the system may transmit, to a third party system, a spend data file associating a first party cookie ID with spend data, as well as a first party cookie ID and/or a third party cookie ID to a web client. The web client may transmit the first party cookie ID and/or the third party cookie ID to the third party system, and the third party system may generate a look alike model for targeting advertisements to the web client based on the spend data file and clickstream data associated with the web client. In various embodiments, the third party system may match the third party cookie ID with the first party cookie ID in the spend data file, which may associate a customer with a segment.Type: GrantFiled: January 11, 2012Date of Patent: December 8, 2015Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: David S. Bonalle, Brian C. Bender, Mehmet E. Dedeoglu, Rajendra R. Rane, Tamara F. Odinec, Patrick R. Lowery
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Publication number: 20140149338Abstract: Various systems and methods for financial analysis are provided. A system is provided comprising a first node comprising a public facing data store in communication with a private facing data store, wherein the first node further comprises a cooperative lookup module configured to locate a second node, a secure data connection between the first node and the second node, and wherein the first node is configured to request processed internal data from the second node.Type: ApplicationFiled: January 30, 2014Publication date: May 29, 2014Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: DAVID S. BONALLE, MICHAEL S. LEMBERGER, PATRICK R. LOWERY, RAJENDRA R. RANE
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Patent number: 8676992Abstract: Various systems and methods for financial analysis are provided. A system is provided comprising a first node comprising a public facing data store in communication with a private facing data store, wherein the first node further comprises a cooperative lookup module configured to locate a second node, a secure data connection between the first node and the second node, and wherein the first node is configured to request processed internal data from the second node.Type: GrantFiled: June 14, 2011Date of Patent: March 18, 2014Assignee: American Express Travel Related Services Company, Inc.Inventors: David S. Bonalle, Michael S. Lemberger, Patrick R. Lowery, Rajendra R. Rane
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Publication number: 20130036014Abstract: Various systems and methods for measuring ad impression effectiveness are provided. A method is provided comprising selecting, by an ad impression processor, a target consumer for an ad impression, delivering the ad impression to the target consumer, determining, by the processor, a behavior of the target consumer after a time period elapses, wherein the determining comprises analyzing internal data relating to the target consumer.Type: ApplicationFiled: August 5, 2011Publication date: February 7, 2013Applicant: American Express Travel Related Services Company, Inc.Inventors: Brian C. Bender, David S. Bonalle, Mehmet Dedeoglu, Patrick R. Lowery, Tamara F. Odinec, Rajendra R. Rane
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Publication number: 20130036004Abstract: Various systems and methods for measuring ad impression effectiveness are provided. A method is provided comprising selecting, by an ad impression processor, a target consumer for an ad impression, delivering the ad impression to the target consumer, determining, by the processor, a behavior of the target consumer after a time period elapses, wherein the determining comprises analyzing internal data relating to the target consumer.Type: ApplicationFiled: August 5, 2011Publication date: February 7, 2013Applicant: American Express Travel Related Services Company, Inc.Inventors: Brian C. Bender, David S. Bonalle, Mehmet Dedeoglu, Patrick R. Lowery, Tamara F. Odinec, Rajendra R. Rane
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Publication number: 20130036015Abstract: Various systems and methods for measuring ad impression effectiveness are provided. A method is provided comprising selecting, by an ad impression processor, a target consumer for an ad impression, delivering the ad impression to the target consumer, determining, by the processor, a behavior of the target consumer after a time period elapses, wherein the determining comprises analyzing internal data relating to the target consumer.Type: ApplicationFiled: August 5, 2011Publication date: February 7, 2013Applicant: American Express Travel Related Services Company, Inc.Inventors: Brian C. Bender, David S. Bonalle, Mehmet Dedeoglu, Patrick R. Lowery, Tamara F. Odinec, Rajendra R. Rane
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Publication number: 20120323632Abstract: Various systems and methods for tracking industry spend are provided herein in various embodiments. A method if provided comprising summing consumer spend with a first company over a time period to yield a raw consumer spend, wherein the consumer spend is derived from internal data, extrapolating an estimated consumer spend with the first company using the raw consumer spend for the first company and the internal data, and estimating, by the processor, top line revenue for the first company using the estimated consumer spend.Type: ApplicationFiled: June 14, 2011Publication date: December 20, 2012Applicant: American Express Travel Related Services Company, IncInventors: Brian C. Bender, David S. Bonalle, Patrick R. Lowery, Rajendra R. Rane, Pranay K. Reddy
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Publication number: 20120323954Abstract: Various systems and methods for financial analysis are provided. A system is provided comprising a first node comprising a public facing data store in communication with a private facing data store, wherein the first node further comprises a cooperative lookup module configured to locate a second node, a secure data connection between the first node and the second node, and wherein the first node is configured to request processed internal data from the second node.Type: ApplicationFiled: June 14, 2011Publication date: December 20, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: David S. Bonalle, Michael Lemberger, Patrick R. Lowery, Rajendra R. Rane
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Publication number: 20120323631Abstract: Various systems and methods for tracking industry spend are provided herein in various embodiments. A method if provided comprising summing consumer spend with a first company over a time period to yield a raw consumer spend, wherein the consumer spend is derived from internal data, extrapolating an estimated consumer spend with the first company using the raw consumer spend for the first company and the internal data, and estimating, by the processor, top line revenue for the first company using the estimated consumer spend.Type: ApplicationFiled: June 14, 2011Publication date: December 20, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: Brian C. Bender, David S. Bonalle, Patrick R. Lowery, Rajendra R. Rane, Pranay K. Reddy