Patents by Inventor Nikhil MALGATTI
Nikhil MALGATTI 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: 10726429Abstract: A method for creating a control group for campaign measurements includes: storing a plurality of consumer profiles, each profile including data related to a consumer including an account identifier, spend behavior, and microsegment associated with the consumer; receiving a plurality of measurement profiles, each profile including data related to a consumer including a specific account identifier and indication of participation or non-participation in a campaign; associating each consumer profile with a measurement profile where the included account identifier corresponds to the specific account identifier of the measurement profile; identifying a campaign group, the campaign group including consumer profiles, each profile including a common microsegment and spend behavior and associated with a measurement profile indicating participation in the campaign; and identifying a control group, the control group including consumer profiles, each profile including the common microsegment and spend behavior and associaType: GrantFiled: November 13, 2017Date of Patent: July 28, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Serge Bernard, Nikhil Malgatti
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Patent number: 10445838Abstract: According to some embodiments, transaction information associated with payments made via a payment account may be retrieved from a transaction database. The retrieved transaction information may then be analyzed to automatically determine periodic payment information (e.g., associated with a subscription or membership) associated with the payment account. The automatically determined periodic payment information may then be output. For example, a predicted next periodic payment due date might be calculated and output.Type: GrantFiled: December 6, 2013Date of Patent: October 15, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Kenny Unser, Serge Bernard, Nikhil Malgatti
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Patent number: 10181129Abstract: A method and a system are provided for identifying optimal rewards programs. The method involves retrieving from one or more databases a first set of information comprising payment card holder transaction information including at least purchasing activities and optionally payment activities attributable to the payment card holder, and retrieving from one or more databases a second set of information comprising a plurality of rewards programs. One or more predictive behavioral spend profiles are generated based on the first set of information. The one or more predictive behavioral spend profiles and the second set of information are then analyzed to identify one or more correlations between the one or more predictive behavioral spend profiles and the plurality of rewards programs. Targeted information, based on the one or more correlations, is provided to one or more entities (e.g., payment card holder or merchant).Type: GrantFiled: December 11, 2013Date of Patent: January 15, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Kenny Unser, Serge Bernard, Nikhil Malgatti
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Publication number: 20180068331Abstract: A method for creating a control group for campaign measurements includes: storing a plurality of consumer profiles, each profile including data related to a consumer including an account identifier, spend behavior, and microsegment associated with the consumer; receiving a plurality of measurement profiles, each profile including data related to a consumer including a specific account identifier and indication of participation or non-participation in a campaign; associating each consumer profile with a measurement profile where the included account identifier corresponds to the specific account identifier of the measurement profile; identifying a campaign group, the campaign group including consumer profiles, each profile including a common microsegment and spend behavior and associated with a measurement profile indicating participation in the campaign; and identifying a control group, the control group including consumer profiles, each profile including the common microsegment and spend behavior and associaType: ApplicationFiled: November 13, 2017Publication date: March 8, 2018Applicant: Mastercard International IncorporatedInventors: Serge BERNARD, Nikhil MALGATTI
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Patent number: 9836758Abstract: A method for creating a control group for campaign measurements includes: storing a plurality of consumer profiles, each profile including data related to a consumer including an account identifier, spend behavior, and microsegment associated with the consumer; receiving a plurality of measurement profiles, each profile including data related to a consumer including a specific account identifier and indication of participation or non-participation in a campaign; associating each consumer profile with a measurement profile where the included account identifier corresponds to the specific account identifier of the measurement profile; identifying a campaign group, the campaign group including consumer profiles, each profile including a common microsegment and spend behavior and associated with a measurement profile indicating participation in the campaign; and identifying a control group, the control group including consumer profiles, each profile including the common microsegment and spend behavior and associaType: GrantFiled: November 14, 2013Date of Patent: December 5, 2017Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Serge Bernard, Nikhil Malgatti
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Publication number: 20170169453Abstract: A system, method, and computer readable storage medium configured to the process, analyze, and model of large amounts of data resulting in improved functionality over a generic computer.Type: ApplicationFiled: December 9, 2015Publication date: June 15, 2017Inventors: Henry WEINBERGER, Shweta KHATTAR, Nikhil MALGATTI, Anshul PANDEY, Ankur ARORA
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Publication number: 20160379236Abstract: A method for estimating a consumer geolocation using filtered transaction data includes: storing transaction data entries, each including an account identifier, merchant identifier, and merchant category code; storing filtering rules, each including one or more merchant category codes; receiving a location request including a specific account identifier and specific filtering rule; identifying a subset of transaction data entries including the specific account identifier; filtering the subset of transaction data entries to remove transaction data entries where the merchant category code does not correspond to one of the merchant category codes included in the specific filtering rule; identifying a geographic location for each transaction data entry in the subset based on the respective included merchant identifier; estimating a geographic location based on the geographic location identified for each transaction data entry in the filtered subset; and electronically transmitting the estimated geographic locatioType: ApplicationFiled: June 14, 2016Publication date: December 29, 2016Applicant: MasterCard International IncorporatedInventors: Harrison Reid SIEGEL, Serge BERNARD, Nikhil MALGATTI
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Patent number: 9390429Abstract: A system for correlating customer payment card purchases and contemporaneous weather conditions. The system comprises a first data storage device containing payment card transaction data and a second data storage device comprising historic weather data. A processor is provided and configured to identify correlations between payment card transactions and weather conditions contemporaneous to the transactions or otherwise associated therewith.Type: GrantFiled: May 13, 2014Date of Patent: July 12, 2016Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Kenny Unser, Serge Bernard, Nikhil A. Malgatti
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Publication number: 20160048858Abstract: A method for generating a micro-neighborhood of consumers includes: storing a plurality of account profiles, each profile including data related to a consumer including account data, a micro-neighborhood location identifier, and a plurality of transaction data entries, each entry being related to a payment transaction involving the related consumer and including transaction data; scoring each account profile stored in the account database by application of a scoring model to the transaction data included in one or more transaction data entries included in the respective account profile; and identifying a plurality of account profile groupings, each grouping including a subset of the plurality of account profiles identified based on the score for and micro-neighborhood location identifier included in each account profile included in the subset, wherein the subset of the plurality of account profiles included in each account profile grouping includes at least a predetermined number of account profiles.Type: ApplicationFiled: August 13, 2014Publication date: February 18, 2016Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Serge BERNARD, Po Hu, Nikhil Malgatti
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Publication number: 20150347991Abstract: A method for identifying agency entitlements includes: storing a plurality of transaction data entries, each entry including data related to a payment transaction including a specific account identifier associated with a payment account involved in the transaction and transaction data; storing a plurality of account profiles, each profile including data related to a payment account including an account identifier associated with the account and account data; identifying entitlement rules, wherein each o entitlement rule is associated with an agency entitlement and is configured to identify recipients of the entitlement; applying, to account profiles, the entitlement rules to (i) the account identifier and/or account data included in the respective profile, and/or (ii) the transaction data included in transaction data entries associated with the respective account profile, to identify an agency entitlement associated with the account; and updating account profiles to include the identified entitlement associatType: ApplicationFiled: May 28, 2014Publication date: December 3, 2015Applicant: MasterCard International IncorporatedInventors: Kenny UNSER, Nikhil MALGATTI, Serge BERNARD
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Publication number: 20150339685Abstract: A method for identifying influencers in nomadic subcultures includes: storing a plurality of transaction data entries, each including data related to a payment transaction including a plurality of merchant data values, a consumer identifier, and a plurality of transaction data values; storing a plurality of consumer profiles, each including data related to a consumer including a consumer identifier and consumer data; identifying merchant data values and transaction data values associated with a nomadic subculture; identifying a subset of transaction data entries where the merchant data values and transaction data values includes at least one of the merchant data values and transaction data values associated with the nomadic subculture; identifying one or more consumer identifiers included in at least two transaction data entries in the subset; and identifying a consumer profile including a consumer identifier of the identified one or more consumer identifiers.Type: ApplicationFiled: May 20, 2014Publication date: November 26, 2015Applicant: MasterCard International IncorporatedInventors: Kenneth UNSER, Nikhil MALGATTI, Serge BERNARD
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Publication number: 20150332292Abstract: A system for determining market information of unregulated utility services comprises: a data storage device containing payment card transaction data of customers including customer information and information identifying a category of unregulated utility services; a filter configured to identify those transactions associated with the category of unregulated utility services from the payment card transaction data within a predetermined geographic region; a data storage device containing market or industry data related to the category of unregulated utility services; a processor; a memory storing program instructions, the processor being operative with the program instructions to: analyze the identified payment card transactions and the market or industry data related to the category of unregulated utility services; determine a score indicator representative of a given customer's probability of switching utility providers; compare the score indicator with a threshold value; and identifying those customers whosType: ApplicationFiled: May 13, 2014Publication date: November 19, 2015Applicant: MASTERCARD INTERNATIONAL INCORPOATEDInventors: Kenny Unser, Serge Bernard, Nikhil A. Malgatti
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Publication number: 20150332286Abstract: A system for identifying a holder of re-sellable commodities is provided. The system includes one or more data storage devices containing payment card transaction data of a plurality of customers and a filter configured to identify payment card transactions associated with a predetermined re-sellable commodity from the payment card transaction data. The system further comprises one or more additional data storage devices containing at least one of market or industry data related to the predetermined re-sellable commodity. A processor is provided and configured to analyze the card payment transaction data and the market or industry data related to the predetermined re-sellable commodity for identifying a customer likely to be in possession of the predetermined re-sellable commodity.Type: ApplicationFiled: May 13, 2014Publication date: November 19, 2015Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Kenny Unser, Serge Bernard, Nikhil A. Malgatti
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Publication number: 20150332414Abstract: A system for analyzing data comprising: an input module for receiving a transaction record corresponding to a product purchase; a database for storing the transaction received by the input module; a computerized predictive model for determining an indicator for the transaction record based on at least one of a customer identifier, a class of merchant, an amount of the transaction, and a terminal identifier, wherein the indicator is indicative of a likelihood of a correct product determination; and one or more processors for: executing the predictive models; and processing the transaction record based upon the indicator determined by the computerized predictive model.Type: ApplicationFiled: May 13, 2014Publication date: November 19, 2015Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Kenny Unser, Serge Bernard, Nikhil A. Malgatti
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Publication number: 20150332284Abstract: A system for determining service intervals of a serviceable property based on payment card transaction data. A data storage device contains payment card transaction data of a plurality customers and merchants. A processor is configured to identify purchasers of a serviceable property based on processing payment card transaction data including statistical analysis of the payment card transaction data to identify relationships between different payment card transactions representing a correlation of a given property of a purchaser with a particular service linked to the property. Characteristic traits and service frequencies are determined for purchasers of the serviceable property. A particular serviceable property is selected from the payment card transaction data, and the determined profile data is applied, along with selected data characteristics of a given service, to obtain data representative of an updated service interval for a given service associated with the serviceable property.Type: ApplicationFiled: May 13, 2014Publication date: November 19, 2015Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Kenny Unser, Serge Bernard, Nikhil A. Malgatti
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Publication number: 20150332285Abstract: A system for correlating customer payment card purchases and contemporaneous weather conditions. The system comprises a first data storage device containing payment card transaction data and a second data storage device comprising historic weather data. A processor is provided and configured to identify correlations between payment card transactions and weather conditions contemporaneous to the transactions or otherwise associated therewith.Type: ApplicationFiled: May 13, 2014Publication date: November 19, 2015Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Kenny Unser, Serge Bernard, Nikhil A. Malgatti
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Publication number: 20150324822Abstract: A system and a method for predicting the transient population of a geographic location or region using point of sale transaction data are disclosed. Historical purchase data is used to develop logic for predicting a transient population at any given time, or predicting or determining the present transient population. The logic can be tested against transaction data to qualify its accuracy. Statistical techniques are used to develop the logic with a sample of payment cardholders during an analytical phase. The logic can be applied to a broader universe of cardholders to ascertain a higher level of confidence that can be assigned to the prediction.Type: ApplicationFiled: May 6, 2014Publication date: November 12, 2015Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Kenny Unser, Serge Bernard, Nikhil Malgatti
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Publication number: 20150324823Abstract: A method and a system are provided for identifying associated geolocations. The method involves retrieving from one or more databases a first set of information including payment card transaction information, and retrieving from one or more databases a second set of information including external information. The method further includes analyzing the first set of information and the second set of information to construct (i) one or more definitions of geography, (ii) one or more definitions of time, and (iii) one or more payment card holder lists by geography and by time period to identify payment card holder overlap, and creating one or more groupings of geographies and time periods based on the payment card holder overlap. The method and system provide advantages in fraud prevention, and can also be used by merchants or businesses to better target customers or enhance existing customer relationships.Type: ApplicationFiled: May 6, 2014Publication date: November 12, 2015Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Kenny Unser, Serge Bernard, Nikhil Malgatti
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Publication number: 20150324816Abstract: A system and a method for predicting the location of a person using prior point of sale transaction data are disclosed. Historical purchase data is used to develop logic for predicting a present or future location at any given time of the cardholder. The logic can be tested against transaction data to qualify its accuracy. Statistical techniques are used to develop the logic with a sample of payment cardholders during an analytical phase. The logic can be applied to a broader universe of cardholders to ascertain a higher level of confidence that can be assigned to the prediction.Type: ApplicationFiled: May 6, 2014Publication date: November 12, 2015Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Kenny Unser, Serge Bernard, Nikhil Malgatti
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Publication number: 20150324809Abstract: A method and a system are provided for determining political affiliations and/or attitudes of payment card holders. The method involves retrieving from one or more databases a first set of information including payment card transaction information, and retrieving from one or more databases a second set of information comprising external information. The external information includes merchant political affiliation and/or attitude information and payment card holder political affiliation and/or attitude information. The method further includes analyzing the first set of information and the second set of information to identify one or more associations between the payment card transaction information and the external information, and determining political affiliation and/or attitude of one or more payment card holders based on the one or more associations. The method and system can be used by merchants or businesses to better target customers or enhance existing customer relationships.Type: ApplicationFiled: May 6, 2014Publication date: November 12, 2015Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Kenny Unser, Serge Bernard, Nikhil Malgatti