Patents by Inventor Houman Motaharian
Houman Motaharian 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: 10909533Abstract: A method of anonymously matching a buyer to a seller comprises receiving, at a server from the buyer, an approval model in byte code format, encrypting, by the seller, customer data to produce encrypted customer data, executing, by the server, the approval model using the encrypted customer data as an input, generating, by the server from the executed approval model, a transaction response, determining, by the server, that the transaction response comprises an approval of at least one product, publishing, to the server by the seller, the product lead, receiving, at the server from the buyer, an acceptance of the product lead based on the approval, and sending, by the server, the customer data to the buyer in response to receiving the acceptance of the product lead. The customer data can correspond to a product lead.Type: GrantFiled: March 13, 2019Date of Patent: February 2, 2021Assignee: Stream Source TechnologiesInventors: Tushar Srivastava, Prerit Srivastava, Mayank Tewari, Houman Motaharian
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Publication number: 20200320619Abstract: Embodiments of the disclosure relate to systems and methods of detecting and preventing fraud in financial institution accounts. In various embodiments, data associated with tradelines may be received from credit reporting bureaus. The data may be used to generate a graph that represents a community of shared tradelines based on matches between attributes associated with tradelines such as account numbers or account type. A set of machine learning models can be trained using a training dataset to provide a set of rules that is optimized for evaluating the graph to detect synthetic identities. The set of rules can be evaluated against one or more nodes in the graph to determine whether an identity represented by each respective node in the graph is a synthetic identity.Type: ApplicationFiled: April 8, 2020Publication date: October 8, 2020Inventors: HOUMAN MOTAHARIAN, MENISH GUPTA
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Publication number: 20200311808Abstract: A method of providing a loan credit to a customer before the customer requests the loan comprises obtaining, by a server, personal information for a customer by a credit broker application executing on the server, executing, on the server, a plurality of lender approval models using the personal information for the customer as input to each lender approval model, where each lender approval model is stored on the computer system in a byte code format as part of a private blockchain system, generating, by the server, a plurality of loan, evaluating, by a credit broker application executing on the server, the plurality of loan approvals based on a credit broker rule set, selecting, by the credit broker application, one of the loan approvals by the credit broker application, and presenting information to the customer comprising the terms of the selected loan approval by the credit broker application.Type: ApplicationFiled: March 26, 2019Publication date: October 1, 2020Inventors: Tushar SRIVASTAVA, Prerit SRIVASTAVA, Mayank TEWARI, Houman MOTAHARIAN
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Patent number: 10789595Abstract: A consumer uses a web client to transmit purchase information associated with a transaction to a merchant server. The purchase information is transmitted via a web acceleration server. The web acceleration server identifies enhanced authorization data associated with the transaction. The web acceleration server creates a pseudo authorization message. The web acceleration server transmits the pseudo authorization message to a transaction account issuer. The merchant server transmits an authorization request to the transaction account issuer. The transaction account issuer determines that the authorization request and the pseudo authorization message are associated with the same transaction. The transaction account issuer merges the authorization request and the pseudo authorization message and performs a fraud analysis. The transaction account issuer transmits an authorization response to the merchant.Type: GrantFiled: April 24, 2017Date of Patent: September 29, 2020Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Marcel Leyva, Houman Motaharian, Robert Phelan, Hing Seng Too
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Publication number: 20200294037Abstract: A method of anonymously matching a buyer to a seller comprises receiving, at a server from the buyer, an approval model in byte code format, encrypting, by the seller, customer data to produce encrypted customer data, executing, by the server, the approval model using the encrypted customer data as an input, generating, by the server from the executed approval model, a transaction response, determining, by the server, that the transaction response comprises an approval of at least one product, publishing, to the server by the seller, the product lead, receiving, at the server from the buyer, an acceptance of the product lead based on the approval, and sending, by the server, the customer data to the buyer in response to receiving the acceptance of the product lead. The customer data can correspond to a product lead.Type: ApplicationFiled: March 13, 2019Publication date: September 17, 2020Inventors: Tushar SRIVASTAVA, Prerit SRIVASTAVA, Mayank TEWARI, Houman MOTAHARIAN
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Patent number: 10643277Abstract: A system may detect an outstanding account of a borrower having an outstanding amount. The system may also display a loan-request interface associated with the outstanding account with the loan-request interface activated in response to the outstanding amount being within the dynamically calculated loan capacity. The system may receive an input via the loan-request interface to request a loan based on the outstanding amount. A request for the loan may be transmitted in response to the input.Type: GrantFiled: March 16, 2016Date of Patent: May 5, 2020Assignee: American Express Travel Related Services Company, Inc.Inventors: Cecile Berta, Mehdi Esmail, Manish Gupta, Malerie Luciano, Houman Motaharian, Art Ricciardi, Aparna Sarin, Brett Sussman, Fernando Valdes
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Patent number: 10475057Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A business size arbitration network host may comprise various modules and engines as discussed herein wherein the size of the business (e.g., aggregate value of sales) may be identified as being relatively large, whereby the transaction network may tailor the handling of a transaction of the business, such as by adjusting handling speed, fees, etc., whereby the transaction network may actively encourage use of transaction products and services by relatively large businesses, and/or such as by delivering value-added services, such as electronically provided advertisements and/or offers, and/or other credit and/or lending products, whereby the transaction network more properly functions according to approved parameters.Type: GrantFiled: January 4, 2016Date of Patent: November 12, 2019Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Vernon Marshall, Houman Motaharian, Ashish Kapatia Sharma, Harry Singh, Ashwin Srinivasachary, Chao Yuan
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Publication number: 20190087914Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A SBO identification network host may comprise various modules and engines as discussed herein wherein the probability that a cardholder is a small business owner may be evaluated for establishing proper usage of differentiated transaction instruments according to their proper purposes, marketing and cross-marketing of differentiated transaction instruments, and provision of value-added services. For instance, a probable SBO may be identified, whereby the SBO identification network network may tailor the handling of the transactions, such as by denying them, whereby the transaction network may actively deter misuse of transaction products, or tailor the handling of electronically delivered advertisements, such as by targeting them, whereby the SBO identification network more properly functions according to approved parameters.Type: ApplicationFiled: November 8, 2018Publication date: March 21, 2019Applicant: American Express Travel Related Services Company, Inc.Inventors: VERNON MARSHALL, ARNAB BOSE, HOUMAN MOTAHARIAN, ASHISH KAPATIA SHARMA, SURABHI SINGHAL, CHAO YUAN
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Patent number: 10152754Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A SBO identification network host may comprise various modules and engines as discussed herein wherein the probability that a cardholder is a small business owner may be evaluated for establishing proper usage of differentiated transaction instruments according to their proper purposes, marketing and cross-marketing of differentiated transaction instruments, and provision of value-added services. For instance, a probable SBO may be identified, whereby the SBO identification network network may tailor the handling of the transactions, such as by denying them, whereby the transaction network may actively deter misuse of transaction products, or tailor the handling of electronically delivered advertisements, such as by targeting them, whereby the SBO identification network more properly functions according to approved parameters.Type: GrantFiled: December 2, 2015Date of Patent: December 11, 2018Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Vernon Marshall, Arnab Bose, Houman Motaharian, Ashish Kapatia Sharma, Surabhi Singhal, Chao Yuan
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Publication number: 20170270603Abstract: A system may detect an outstanding account of a borrower having an outstanding amount. The system may also display a loan-request interface associated with the outstanding account with the loan-request interface activated in response to the outstanding amount being within the dynamically calculated loan capacity. The system may receive an input via the loan-request interface to request a loan based on the outstanding amount. A request for the loan may be transmitted in response to the input.Type: ApplicationFiled: March 16, 2016Publication date: September 21, 2017Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Cecile Berta, Mehdi Esmail, Manish Gupta, Malerie Luciano, Houman Motaharian, Art Ricciardi, Aparna Sarin, Brett Sussman, Fernando Valdes
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Publication number: 20170228736Abstract: A consumer uses a web client to transmit purchase information associated with a transaction to a merchant server. The purchase information is transmitted via a web acceleration server. The web acceleration server identifies enhanced authorization data associated with the transaction. The web acceleration server creates a pseudo authorization message. The web acceleration server transmits the pseudo authorization message to a transaction account issuer. The merchant server transmits an authorization request to the transaction account issuer. The transaction account issuer determines that the authorization request and the pseudo authorization message are associated with the same transaction. The transaction account issuer merges the authorization request and the pseudo authorization message and performs a fraud analysis. The transaction account issuer transmits an authorization response to the merchant.Type: ApplicationFiled: April 24, 2017Publication date: August 10, 2017Applicant: American Express Travel Related Services Company, Inc.Inventors: Marcel Leyva, Houman Motaharian, Robert Phelan, Hing Seng Too
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Publication number: 20170193534Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A business size arbitration network host may comprise various modules and engines as discussed herein wherein the size of the business (e.g., aggregate value of sales) may be identified as being relatively large, whereby the transaction network may tailor the handling of a transaction of the business, such as by adjusting handling speed, fees, etc., whereby the transaction network may actively encourage use of transaction products and services by relatively large businesses, and/or such as by delivering value-added services, such as electronically provided advertisements and/or offers, and/or other credit and/or lending products, whereby the transaction network more properly functions according to approved parameters.Type: ApplicationFiled: January 4, 2016Publication date: July 6, 2017Applicant: American Express Travel Related Services Company, Inc.Inventors: Vernon Marshall, Houman Motaharian, Ashish Kapatia Sharma, Harry Singh, Ashwin Srinivasachary, Chao Yuan
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Publication number: 20170161842Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A SBO identification network host may comprise various modules and engines as discussed herein wherein the probability that a cardholder is a small business owner may be evaluated for establishing proper usage of differentiated transaction instruments according to their proper purposes, marketing and cross-marketing of differentiated transaction instruments, and provision of value-added services. For instance, a probable SBO may be identified, whereby the SBO identification network network may tailor the handling of the transactions, such as by denying them, whereby the transaction network may actively deter misuse of transaction products, or tailor the handling of electronically delivered advertisements, such as by targeting them, whereby the SBO identification network more properly functions according to approved parameters.Type: ApplicationFiled: December 2, 2015Publication date: June 8, 2017Applicant: American Express Travel Related Services Company, Inc.Inventors: VERNON MARSHALL, ARNAB BOSE, HOUMAN MOTAHARIAN, ASHISH KAPATIA SHARMA, SURABHI SINGHAL, CHAO YUAN
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Patent number: 9665869Abstract: A consumer uses a web client to transmit purchase information associated with a transaction to a merchant server. The purchase information is transmitted via a web acceleration server. The web acceleration server identifies enhanced authorization data associated with the transaction. The web acceleration server creates a pseudo authorization message. The web acceleration server transmits the pseudo authorization message to a transaction account issuer. The merchant server transmits an authorization request to the transaction account issuer. The transaction account issuer determines that the authorization request and the pseudo authorization message are associated with the same transaction. The transaction account issuer merges the authorization request and the pseudo authorization message and performs a fraud analysis. The transaction account issuer transmits an authorization response to the merchant.Type: GrantFiled: March 14, 2014Date of Patent: May 30, 2017Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Marcel Leyva, Houman Motaharian, Robert Phelan, Hing Seng Too
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Publication number: 20140201082Abstract: A consumer uses a web client to transmit purchase information associated with a transaction to a merchant server. The purchase information is transmitted via a web acceleration server. The web acceleration server identifies enhanced authorization data associated with the transaction. The web acceleration server creates a pseudo authorization message. The web acceleration server transmits the pseudo authorization message to a transaction account issuer. The merchant server transmits an authorization request to the transaction account issuer. The transaction account issuer determines that the authorization request and the pseudo authorization message are associated with the same transaction. The transaction account issuer merges the authorization request and the pseudo authorization message and performs a fraud analysis. The transaction account issuer transmits an authorization response to the merchant.Type: ApplicationFiled: March 14, 2014Publication date: July 17, 2014Applicant: American Express Travel Related Services Company, Inc.Inventors: Marcel Leyva, Houman Motaharian, Robert Phelan, Hing Seng Too
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Patent number: 8719167Abstract: A consumer uses a web client to transmit purchase information associated with a transaction to a merchant server. The purchase information is transmitted via a web acceleration server. The web acceleration server identifies enhanced authorization data associated with the transaction. The web acceleration server creates a pseudo authorization message. The web acceleration server transmits the pseudo authorization message to a transaction account issuer. The merchant server transmits an authorization request to the transaction account issuer. The transaction account issuer determines that the authorization request and the pseudo authorization message are associated with the same transaction. The transaction account issuer merges the authorization request and the pseudo authorization message and performs a fraud analysis. The transaction account issuer transmits an authorization response to the merchant.Type: GrantFiled: March 2, 2012Date of Patent: May 6, 2014Assignee: American Express Travel Related Services Company, Inc.Inventors: Marcel Leyva, Houman Motaharian, Robert Phelan, Hing Seng Too
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Patent number: 8650120Abstract: A consumer uses a web client to transmit purchase information associated with a transaction to a merchant server. The purchase information is transmitted via a web acceleration server. The web acceleration server identifies enhanced authorization data associated with the transaction. The web acceleration server creates a pseudo authorization message. The web acceleration server transmits the pseudo authorization message to a transaction account issuer. The merchant server transmits an authorization request to the transaction account issuer. The transaction account issuer determines that the authorization request and the pseudo authorization message are associated with the same transaction. The transaction account issuer merges the authorization request and the pseudo authorization message and performs a fraud analysis. The transaction account issuer transmits an authorization response to the merchant.Type: GrantFiled: March 2, 2012Date of Patent: February 11, 2014Assignee: American Express Travel Related Services Company, Inc.Inventors: Marcel Leyva, Houman Motaharian, Robert Phelan, Hing Seng Too
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Publication number: 20130232069Abstract: A consumer uses a web client to transmit purchase information associated with a transaction to a merchant server. The purchase information is transmitted via a web acceleration server. The web acceleration server identifies enhanced authorization data associated with the transaction. The web acceleration server creates a pseudo authorization message. The web acceleration server transmits the pseudo authorization message to a transaction account issuer. The merchant server transmits an authorization request to the transaction account issuer. The transaction account issuer determines that the authorization request and the pseudo authorization message are associated with the same transaction. The transaction account issuer merges the authorization request and the pseudo authorization message and performs a fraud analysis. The transaction account issuer transmits an authorization response to the merchant.Type: ApplicationFiled: March 2, 2012Publication date: September 5, 2013Applicant: American Express Travel Related Services Company, Inc.Inventors: Marcel Leyva, Houman Motaharian, Robert Phelan, Hing Seng Too
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Publication number: 20130232068Abstract: A consumer uses a web client to transmit purchase information associated with a transaction to a merchant server. The purchase information is transmitted via a web acceleration server. The web acceleration server identifies enhanced authorization data associated with the transaction. The web acceleration server creates a pseudo authorization message. The web acceleration server transmits the pseudo authorization message to a transaction account issuer. The merchant server transmits an authorization request to the transaction account issuer. The transaction account issuer determines that the authorization request and the pseudo authorization message are associated with the same transaction. The transaction account issuer merges the authorization request and the pseudo authorization message and performs a fraud analysis. The transaction account issuer transmits an authorization response to the merchant.Type: ApplicationFiled: March 2, 2012Publication date: September 5, 2013Applicant: American Express Travel Related Services Company, Inc.Inventors: Marcel Leyva, Houman Motaharian, Robert Phelan, Hing Seng Too