Patents by Inventor Anant Nambiar

Anant Nambiar 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).

  • Publication number: 20100088204
    Abstract: A method includes receiving transaction data associated with a payment transaction. The transaction data includes a payment account identifier. The payment account identifier identifies a payment account. The method further includes obtaining a spending history associated with the payment account identified by the payment account identifier. The spending history reflects a total amount of spending transactions charged to the payment account during a period of time. The method also includes providing an indication of the spending history to an acquirer.
    Type: Application
    Filed: October 7, 2009
    Publication date: April 8, 2010
    Inventors: Anant Nambiar, James Carrington, Denise Torreyson, Steven J. Jonas
  • Patent number: 7627531
    Abstract: The present invention provides a system and method for facilitating a transaction using a secondary transaction number that is associated with a cardholder's primary account. The cardholder provides the secondary transaction number, often with limited-use conditions associated therewith, to a merchant to facilitate a more secure and confident transaction.
    Type: Grant
    Filed: March 7, 2001
    Date of Patent: December 1, 2009
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Lydia Breck, Jessica Zoob, Glen Salow, Fred Bishop, William Schwarz, Elliot Glazer, David Johnstone, Katie Cunningham, Anant Nambiar, Jan Nunney Belt, Martin Wittwer, David Armes, Christina Chow
  • Publication number: 20090192876
    Abstract: A computer-based method for enrolling financial transaction cardholders into a payment card program that includes features that are directed to an empty nester segment of society is described. The method includes creating at least one spending profile representing an empty nester target group. The empty nester target group includes transaction cardholders within the empty nester segment of society targeted for receiving a marketing campaign. The method also includes storing in the database transaction data for transaction card accounts, identifying cardholders included within the empty nester target group by comparing the transaction data to the at least one empty nester spending profile, and offering a payment card program having at least one rewards feature directed to the empty nester segment of society to the cardholders identified as being within the empty nester target group.
    Type: Application
    Filed: November 26, 2008
    Publication date: July 30, 2009
    Inventors: Sruba De, Anant Nambiar, Sheryl Sleeva, Lauren Stephens, Marc Del Bene, Marianne Iannace, Trina Reuben-Williams
  • Publication number: 20090192875
    Abstract: A method for associating transaction card accounts with life stage segments is described. The method includes analyzing survey results to define the plurality of life stage segments based on at least one of demographics, transaction categories, and card usage. The method further includes creating at least one spending profile for a life stage target group that includes transaction card holders within at least one of the defined life stages for which a marketing campaign is targeted, developing a survey-based life stage model based on the target group and the profiles, creating a transaction data-based life stage model by applying the survey-based life stage model to a portion of the transaction data, applying the transaction-based life stage model to the transaction data to identifies cardholder accounts included within the life stage target group, and ranking the transaction card accounts stored within the database based on a likelihood the accounts are included within the target group.
    Type: Application
    Filed: November 26, 2008
    Publication date: July 30, 2009
    Inventors: Marc Del Bene, Marianne Iannace, Anant Nambiar, Trina Reuben-Williams
  • Publication number: 20090063333
    Abstract: Techniques for payment card account personalization include obtaining access to data describing a first set of parameters associated with the payment card account and obtaining indications of a first change in a life situation of an account holder. The first change may be one that has occurred since establishment of the first set of parameters. Presentation of a first menu of updated parameter choices to the holder is facilitated. The presentation of the first menu can be based upon the first change in the life situation of the holder. A holder selection can be obtained from the first menu, including data describing a second set of parameters associated with the payment card account, the second set of parameters being different than the first set of parameters. The payment card account then operates according to the second set of parameters. In some instances, account parameters can be updated across multiple financial institutions, by a service provider.
    Type: Application
    Filed: August 31, 2007
    Publication date: March 5, 2009
    Applicant: MasterCard International Incorporated
    Inventors: Anant Nambiar, Marc Del Bene, Jared H. Levin, Geetha Panchapakesan
  • Publication number: 20080147523
    Abstract: A system, method, apparatus, means and computer program products for establishing, monitoring and maintaining spending controls in a payment system are provided.
    Type: Application
    Filed: December 18, 2006
    Publication date: June 19, 2008
    Inventors: Tatiana Mulry, Anant Nambiar, Simon Blythe
  • Publication number: 20080133325
    Abstract: A payment card product targeted to specific consumer market segments is provided. The payment card product has features, benefits and functions that are responsive to consumer needs, aspirations and habits, which evolve over time and across consumer market segments. The consumer market segments are comprehensively characterized using a combination of demographic, attitudinal and behavioral analyses and research. Consumer ideation processes used in product design ensure that the card features, benefits and functions are relevant to consumers. Quantitative methods are used to optimize the product design with respect to consumer market segment characteristics.
    Type: Application
    Filed: May 30, 2007
    Publication date: June 5, 2008
    Inventors: Sruba De, Anant Nambiar, Sheryl Sleeva
  • Publication number: 20070150352
    Abstract: A method for coordinating transaction data for targeted offer generation includes facilitating opt-in to a cardholder offer generation scheme, and facilitating obtaining transaction data associated with a card transaction, via a payment card processing network. The transaction data includes (i) attribute data indicative of an attribute of at least one item purchased, and (ii) an account number of the card. Storage of at least the attribute data in a data warehouse is facilitated, in association with indicia of the holder. The steps can be repeated for a plurality of transactions at a plurality of sales entities, to generate a cross-transaction, cross-entity, actual-product-purchased-based data warehouse profile of the holder. Generating a non-real-time offer to the holder by an operator of the payment card network is facilitated, based, at least in part, on data mining performed on the data warehouse profile.
    Type: Application
    Filed: December 20, 2006
    Publication date: June 28, 2007
    Applicant: MasterCard International Incorporated
    Inventors: Carole Kelly-Frank, Sara Fiebiger, Anant Nambiar, Julie Wang
  • Publication number: 20040210448
    Abstract: The present invention provides a system and method for facilitating a transaction using a secondary transaction number that is associated with a cardholder's primary account. The cardholder provides the secondary transaction number, often with limited-use conditions associated therewith, to a merchant to facilitate a more secure and confident transaction.
    Type: Application
    Filed: June 10, 2004
    Publication date: October 21, 2004
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Lydia Breck, Jessica Zoob, Glen Salow, Fred Bishop, William Schwarz, Elliot Glazer, David Johnstone, Katie Cunningham, Anant Nambiar, Jan Nunney Belt, Martin Wittwer, David Armes, Christina Chow
  • Publication number: 20040210449
    Abstract: The present invention provides a system and method for facilitating a transaction using a secondary transaction number that is associated with a cardholder's primary account. The cardholder provides the secondary transaction number, often with limited-use conditions associated therewith, to a merchant to facilitate a more secure and confident transaction.
    Type: Application
    Filed: June 10, 2004
    Publication date: October 21, 2004
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Lydia Breck, Jessica Zoob, Glen Salow, Fred Bishop, William Schwarz, Elliot Glazer, David Johnstone, Katie Cunningham, Anant Nambiar, Jan Nunney Belt, Martin Wittwer, David Armes, Christina Chow
  • Publication number: 20040158532
    Abstract: The present invention provides a system and method for facilitating a transaction using a secondary transaction number that is associated with a cardholder's primary account. The cardholder provides the secondary transaction number, often with limited-use conditions associated therewith, to a merchant to facilitate a more secure and confident transaction.
    Type: Application
    Filed: February 26, 2004
    Publication date: August 12, 2004
    Inventors: Lydia Breck, Jessica Zoob, Glen Salow, Fred Bishop, William Schwarz, Elliot Glazer, David Johnstone, Katie Cunningham, Anant Nambiar, Jan Nunney Belt, Martin Wittwer, David Armes, Christina Chow
  • Publication number: 20020128977
    Abstract: A microchip-enabled online transaction system and method that emulates a “card-present” transaction in an online or remote environment by using an improved authentication and transaction system. More specifically, this system uses an authenticating instrument (e.g., smart card), an authenticating instrument reader (e.g., smart card reader), and a user-specific identification signature (e.g., user PIN) to better authenticate an online purchaser. Additionally, this system may also employ techniques (1) for transmitting to a merchant a secondary transaction number in place of the user's primary transaction account number, and (2) for automatically filling an online merchant's payment and shipping web pages with the appropriate profiled user information.
    Type: Application
    Filed: September 12, 2001
    Publication date: September 12, 2002
    Inventors: Anant Nambiar, Geoffrey Stern
  • Publication number: 20020112170
    Abstract: The present invention includes a system and method for using a first financial instrument to facilitate access to a second financial instrument. A method of authentication for facilitating activation of the first financial instrument is identified. The method of authentication is validated in connection with the first financial instrument. The first financial instrument is used to authenticate a user in connection with gaining access to a second financial instrument. In the example of a smart card and PIN authentication method, a smart card and PIN may be used to authorize access to a brokerage account. Thus, the first financial instrument may be used to authenticate the user in connection with gaining access to the second financial instrument.
    Type: Application
    Filed: January 3, 2002
    Publication date: August 15, 2002
    Inventors: James M. Foley, Rick D. Johnson, Anant Nambiar
  • Publication number: 20020087894
    Abstract: The present invention facilitates access to a restricted service related to secure transactions via a network. The present invention allows a user to select a minimum security level of authentication for its own login to a restricted service. The user's selected minimum security level of authentication may be registered in an authentication method system, so that the user must use the selected minimum security level for authentication in order to gain access to the restricted service. Alternatively, the user may specify that the selected minimum security level for authentication may be over-turned by the user, or optionally re-set to a new authentication method depending on the needs of the user. As such, the present invention allows the user the flexibility to select its own authentication method for accessing a restricted service.
    Type: Application
    Filed: December 27, 2001
    Publication date: July 4, 2002
    Inventors: James M. Foley, Rick D. Johnson, Anant Nambiar