Patents by Inventor Amber Gupta

Amber Gupta 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).

  • Total structural risk model
    Patent number: 10019757
    Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.
    Type: Grant
    Filed: November 20, 2013
    Date of Patent: July 10, 2018
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
  • SYSTEM AND METHOD FOR MACHINE LEARNING BASED LINE ASSIGNMENT
    Publication number: 20170249697
    Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A line prediction host may comprise various modules and engines, wherein lookalike records may be identified wherein the line assignment of a credit limit to a prospective account holder may be enhanced for enhanced account member value, wherein the transaction network more properly functions according to approved parameters.
    Type: Application
    Filed: February 26, 2016
    Publication date: August 31, 2017
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Sanjay S. Agrawal, Anand Bhushan, Anjali Dewan, Amber Gupta, Vivek Hasija, Biplab Mukherjee, Shalu Wadhwa, Di Xu, Hao Zhou
  • TOTAL STRUCTURAL RISK MODEL
    Publication number: 20140081835
    Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.
    Type: Application
    Filed: November 20, 2013
    Publication date: March 20, 2014
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
  • Total structural risk model
    Patent number: 8620801
    Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.
    Type: Grant
    Filed: February 16, 2012
    Date of Patent: December 31, 2013
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Tirthankar Choudhuri, Dewan Anjali, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
  • Total structural risk model
    Patent number: 8566228
    Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.
    Type: Grant
    Filed: February 16, 2012
    Date of Patent: October 22, 2013
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
  • Total structural risk model
    Patent number: 8566229
    Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.
    Type: Grant
    Filed: February 16, 2012
    Date of Patent: October 22, 2013
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Tirthankar Choudhuri, Dewan Anjali, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
  • Total structural risk model
    Patent number: 8554666
    Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.
    Type: Grant
    Filed: June 21, 2011
    Date of Patent: October 8, 2013
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Tirthankar Choudhuri, Dewan Anjali, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
  • Total structural risk model
    Patent number: 8554667
    Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.
    Type: Grant
    Filed: February 16, 2012
    Date of Patent: October 8, 2013
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
  • Total structural risk model
    Patent number: 8458083
    Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.
    Type: Grant
    Filed: February 29, 2008
    Date of Patent: June 4, 2013
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
  • TOTAL STRUCTURAL RISK MODEL
    Publication number: 20120150722
    Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.
    Type: Application
    Filed: February 16, 2012
    Publication date: June 14, 2012
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
  • TOTAL STRUCTURAL RISK MODEL
    Publication number: 20120150723
    Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.
    Type: Application
    Filed: February 16, 2012
    Publication date: June 14, 2012
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
  • TOTAL STRUCTURAL RISK MODEL
    Publication number: 20120150721
    Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.
    Type: Application
    Filed: February 16, 2012
    Publication date: June 14, 2012
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
  • TOTAL STRUCTURAL RISK MODEL
    Publication number: 20120150724
    Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.
    Type: Application
    Filed: February 16, 2012
    Publication date: June 14, 2012
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
  • TOTAL STRUCTURAL RISK MODEL
    Publication number: 20110251948
    Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.
    Type: Application
    Filed: June 21, 2011
    Publication date: October 13, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
  • Total structural risk model
    Patent number: 7991690
    Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.
    Type: Grant
    Filed: November 2, 2010
    Date of Patent: August 2, 2011
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
  • Automated predictive modeling of business future events based on transformation of modeling variables
    Patent number: 7912795
    Abstract: Predictive models are developed automatically for a plurality of modeling variables. The plurality of modeling variables is transformed, based on a transformation rule. A clustering of the transformed modeling variables is performed to create variable clusters. A set of variables is selected from the variable clusters based on a selection rule. A regression of the set of variables is performed to determine prediction variables. The prediction variables are utilized in developing a predictive model. The development of the predictive model may include modification of the predictive model, review of the plurality of transformations, and validation of the predictive model.
    Type: Grant
    Filed: April 7, 2010
    Date of Patent: March 22, 2011
    Assignee: American Express Travel Related services Company, Inc.
    Inventors: Jayatu Sen Chaudhury, Amber Gupta, Prasanta Sahu, Tirthankar Choudhuri
  • TOTAL STRUCTURAL RISK MODEL
    Publication number: 20110047071
    Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.
    Type: Application
    Filed: November 2, 2010
    Publication date: February 24, 2011
    Applicant: American Express Travel Related Services Compnay, Inc.
    Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
  • Total structural risk model
    Patent number: 7853520
    Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.
    Type: Grant
    Filed: February 29, 2008
    Date of Patent: December 14, 2010
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
  • Total structural risk model
    Patent number: 7849004
    Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.
    Type: Grant
    Filed: February 29, 2008
    Date of Patent: December 7, 2010
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
  • Total structural risk model
    Patent number: 7814008
    Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.
    Type: Grant
    Filed: February 29, 2008
    Date of Patent: October 12, 2010
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan