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).

  • Patent number: 10068252
    Abstract: 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: Grant
    Filed: February 29, 2016
    Date of Patent: September 4, 2018
    Assignee: 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
  • Publication number: 20180129717
    Abstract: 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: Application
    Filed: July 28, 2017
    Publication date: May 10, 2018
    Inventors: David S. Bonalle, Michael S. Lemberger, Patrick R. Lowery, Rajendra R. Rane
  • Patent number: 9940628
    Abstract: 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: Grant
    Filed: August 5, 2011
    Date of Patent: April 10, 2018
    Assignee: 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
  • Patent number: 9720987
    Abstract: 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: Grant
    Filed: January 30, 2014
    Date of Patent: August 1, 2017
    Assignee: III Holdings 1, LLC
    Inventors: David S. Bonalle, Michael S. Lemberger, Patrick R. Lowery, Rajendra R. Rane
  • Patent number: 9589271
    Abstract: 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: Grant
    Filed: August 5, 2011
    Date of Patent: March 7, 2017
    Assignee: 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
  • Patent number: 9530143
    Abstract: 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: Grant
    Filed: August 5, 2011
    Date of Patent: December 27, 2016
    Assignee: 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
  • Publication number: 20160180387
    Abstract: 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: Application
    Filed: February 29, 2016
    Publication date: June 23, 2016
    Applicant: 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
  • Publication number: 20160110693
    Abstract: 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: Application
    Filed: October 16, 2014
    Publication date: April 21, 2016
    Inventors: Justin X. Howe, Patrick R. Lowery, Clara Salazar
  • Patent number: 9311653
    Abstract: 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: Grant
    Filed: January 11, 2012
    Date of Patent: April 12, 2016
    Assignee: 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
  • Patent number: 9208510
    Abstract: 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: Grant
    Filed: January 11, 2012
    Date of Patent: December 8, 2015
    Assignee: 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
  • Publication number: 20140149338
    Abstract: 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: Application
    Filed: January 30, 2014
    Publication date: May 29, 2014
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: DAVID S. BONALLE, MICHAEL S. LEMBERGER, PATRICK R. LOWERY, RAJENDRA R. RANE
  • Patent number: 8676992
    Abstract: 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: Grant
    Filed: June 14, 2011
    Date of Patent: March 18, 2014
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: David S. Bonalle, Michael S. Lemberger, Patrick R. Lowery, Rajendra R. Rane
  • Publication number: 20130036014
    Abstract: 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: Application
    Filed: August 5, 2011
    Publication date: February 7, 2013
    Applicant: 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
  • Publication number: 20130036004
    Abstract: 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: Application
    Filed: August 5, 2011
    Publication date: February 7, 2013
    Applicant: 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
  • Publication number: 20130036015
    Abstract: 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: Application
    Filed: August 5, 2011
    Publication date: February 7, 2013
    Applicant: 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
  • Publication number: 20120323632
    Abstract: 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: Application
    Filed: June 14, 2011
    Publication date: December 20, 2012
    Applicant: American Express Travel Related Services Company, Inc
    Inventors: Brian C. Bender, David S. Bonalle, Patrick R. Lowery, Rajendra R. Rane, Pranay K. Reddy
  • Publication number: 20120323954
    Abstract: 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: Application
    Filed: June 14, 2011
    Publication date: December 20, 2012
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: David S. Bonalle, Michael Lemberger, Patrick R. Lowery, Rajendra R. Rane
  • Publication number: 20120323631
    Abstract: 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: Application
    Filed: June 14, 2011
    Publication date: December 20, 2012
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Brian C. Bender, David S. Bonalle, Patrick R. Lowery, Rajendra R. Rane, Pranay K. Reddy