Patents by Inventor Kumar H Javarayappa

Kumar H Javarayappa 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).

  • DECISION ENGINE FOR ACCOUNT OFFERS
    Publication number: 20250217854
    Abstract: Disclosed are various examples for utilizing a predictive model to generate alternative offers for customers viewing an initial account offer. Various user parameters can be collected from internal and external data sources. An analysis of the user parameters as well as user activity can be conducted. A predictive model can generate an alternative or personalized offer based at least in part upon the analysis.
    Type: Application
    Filed: December 29, 2023
    Publication date: July 3, 2025
    Inventors: Manmeet Singh Duggal, Saurabh Gupta, Kumar H Javarayappa, Mohit Mehra, Paul Soumya, Arch Ratliff, Thangavel Subramaniam, Man Chon U