Patents by Inventor Melissa Schwartz
Melissa Schwartz 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: 8571919Abstract: The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided.Type: GrantFiled: January 20, 2010Date of Patent: October 29, 2013Assignee: American Express Travel Related Services Company, Inc.Inventors: Rajendra R. Rane, Melissa Schwartz
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Patent number: 8255268Abstract: The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided.Type: GrantFiled: January 20, 2010Date of Patent: August 28, 2012Assignee: American Express Travel Related Services Company, Inc.Inventors: Rajendra R. Rane, Melissa Schwartz
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Publication number: 20110178846Abstract: The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided.Type: ApplicationFiled: January 20, 2010Publication date: July 21, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Rajendra R. Rane, Melissa Schwartz
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Publication number: 20110178843Abstract: The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided.Type: ApplicationFiled: January 20, 2010Publication date: July 21, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Rajendra R. Rane, Melissa Schwartz
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Publication number: 20110178842Abstract: The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided.Type: ApplicationFiled: January 20, 2010Publication date: July 21, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Rajendra R. Rane, Melissa Schwartz
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Publication number: 20110178848Abstract: The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided.Type: ApplicationFiled: January 20, 2010Publication date: July 21, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Rajendra R. Rane, Melissa Schwartz
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Publication number: 20110178845Abstract: The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided.Type: ApplicationFiled: January 20, 2010Publication date: July 21, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Rajendra R. Rane, Melissa Schwartz
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Publication number: 20110178841Abstract: The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided.Type: ApplicationFiled: January 20, 2010Publication date: July 21, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Rajendra R. Rane, Melissa Schwartz
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Publication number: 20110178844Abstract: The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided.Type: ApplicationFiled: January 20, 2010Publication date: July 21, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Rajendra R. Rane, Melissa Schwartz
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Publication number: 20110178849Abstract: The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided.Type: ApplicationFiled: January 20, 2010Publication date: July 21, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Rajendra R. Rane, Melissa Schwartz
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Publication number: 20110178847Abstract: The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided.Type: ApplicationFiled: January 20, 2010Publication date: July 21, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Rajendra R. Rane, Melissa Schwartz
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Publication number: 20110178855Abstract: The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided.Type: ApplicationFiled: January 20, 2010Publication date: July 21, 2011Applicant: American Express travel Related Services Company,Inventors: Rajendra R. Rane, Melissa Schwartz