Patents by Inventor Prasanta Sahu
Prasanta Sahu 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: 9898779Abstract: The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers.Type: GrantFiled: May 16, 2014Date of Patent: February 20, 2018Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
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Publication number: 20140258096Abstract: The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers.Type: ApplicationFiled: May 16, 2014Publication date: September 11, 2014Applicant: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
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Patent number: 8762261Abstract: The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers.Type: GrantFiled: January 25, 2013Date of Patent: June 24, 2014Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
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Patent number: 8386379Abstract: The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers.Type: GrantFiled: April 18, 2012Date of Patent: February 26, 2013Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
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Publication number: 20120203688Abstract: The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers.Type: ApplicationFiled: April 18, 2012Publication date: August 9, 2012Applicant: American Express Travel Rated Services Company, Inc.Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
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Patent number: 8180703Abstract: The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers.Type: GrantFiled: July 18, 2011Date of Patent: May 15, 2012Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
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Patent number: 8121940Abstract: The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers.Type: GrantFiled: July 18, 2011Date of Patent: February 21, 2012Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
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Patent number: 8078530Abstract: The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers.Type: GrantFiled: July 18, 2011Date of Patent: December 13, 2011Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
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Publication number: 20110276471Abstract: The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers.Type: ApplicationFiled: July 18, 2011Publication date: November 10, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
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Publication number: 20110276470Abstract: The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers.Type: ApplicationFiled: July 18, 2011Publication date: November 10, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
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Publication number: 20110276469Abstract: The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers.Type: ApplicationFiled: July 18, 2011Publication date: November 10, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
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Patent number: 8015108Abstract: The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers.Type: GrantFiled: December 22, 2010Date of Patent: September 6, 2011Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
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Patent number: 8010449Abstract: The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers.Type: GrantFiled: December 15, 2010Date of Patent: August 30, 2011Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
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Publication number: 20110112958Abstract: The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers.Type: ApplicationFiled: December 15, 2010Publication date: May 12, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
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Publication number: 20110093383Abstract: The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers.Type: ApplicationFiled: December 22, 2010Publication date: April 21, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
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Patent number: 7912795Abstract: Predictive models are developed automatically for a plurality of modeling variables. The plurality of modeling variables is transformed, based on a transformation rule. A clustering of the transformed modeling variables is performed to create variable clusters. A set of variables is selected from the variable clusters based on a selection rule. A regression of the set of variables is performed to determine prediction variables. The prediction variables are utilized in developing a predictive model. The development of the predictive model may include modification of the predictive model, review of the plurality of transformations, and validation of the predictive model.Type: GrantFiled: April 7, 2010Date of Patent: March 22, 2011Assignee: American Express Travel Related services Company, Inc.Inventors: Jayatu Sen Chaudhury, Amber Gupta, Prasanta Sahu, Tirthankar Choudhuri
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Patent number: 7882027Abstract: The present invention generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present invention relates to rating consumer lenders based on the predicted spend capacity of their consumers.Type: GrantFiled: March 28, 2008Date of Patent: February 1, 2011Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
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Patent number: 7877323Abstract: The present invention generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present invention relates to rating consumer lenders based on the predicted spend capacity of their consumers.Type: GrantFiled: March 28, 2008Date of Patent: January 25, 2011Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
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Patent number: 7844544Abstract: The present invention generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present invention relates to rating consumer lenders based on the predicted spend capacity of their consumers.Type: GrantFiled: March 28, 2008Date of Patent: November 30, 2010Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
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Patent number: 7805363Abstract: The present invention generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present invention relates to rating consumer lenders based on the predicted spend capacity of their consumers.Type: GrantFiled: March 28, 2008Date of Patent: September 28, 2010Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan