Patents by Inventor Sanjay Madaan
Sanjay Madaan 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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Publication number: 20230214846Abstract: The system may be configured to perform operations including receiving a transaction history for a consumer having transaction information associated with a plurality of transactions; detecting within the transaction information for each transaction a characteristic, resulting in a plurality of characteristics; calculating a respective value associated with each characteristic, wherein the respective value is at least one of a number or percentage of transactions having the characteristic; assigning a respective weight to each characteristic, producing an assigned respective weight for each characteristic; applying the assigned respective weight to the respective value associated with each characteristic to produce a respective weighted value for each characteristic; combining the respective weighted values of the plurality of characteristics; and/or producing a compliance score in response to the combining the respective weight values.Type: ApplicationFiled: January 3, 2022Publication date: July 6, 2023Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Bobby Chetal, Iwao Fusillo, Tushar Kant Gaur, Nilesh Anil Ghate, Anshul Jain, Vishal Jain, Abhishek Kachhara, Sanjay Madaan, Preetika Madan, Shriram Nalwade, Esha Paul, Harsimaran Singh
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Patent number: 11295326Abstract: A system, method, and computer readable medium (collectively, the “system”) is disclosed for generating real-time insights from a big data storage platform. The system may process transaction data stored in a big data management system (BDMS) to generate characteristic data associated with a plurality of demographics. The system may also model an account associated with a corporate ID to identify a demographic from the plurality of demographics associated with the corporate ID. The system may further compare the user data associated with the corporate ID to the characteristic data of the demographic associated with the corporate ID to generate a view responsive to a request. The system may also transmit the view in response to the request, for example, to an interface for use by a program administrator.Type: GrantFiled: January 31, 2017Date of Patent: April 5, 2022Assignee: American Express Travel Related Services Company, Inc.Inventors: Jane Cook, Michelle Geller, Yogaraj Jayaprakasam, Abhishek Kachhara, Sanjay Madaan
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Publication number: 20190287182Abstract: The system may be configured to perform operations including receiving a transaction history for a consumer having transaction information associated with a plurality of transactions; detecting within the transaction information for each transaction a characteristic, resulting in a plurality of characteristics; calculating a respective value associated with each characteristic, wherein the respective value is at least one of a number or percentage of transactions having the characteristic; assigning a respective weight to each characteristic, producing an assigned respective weight for each characteristic; applying the assigned respective weight to the respective value associated with each characteristic to produce a respective weighted value for each characteristic; combining the respective weighted values of the plurality of characteristics; and/or producing a compliance score in response to the combining the respective weight values.Type: ApplicationFiled: May 16, 2018Publication date: September 19, 2019Applicant: American Express Travel Related Services Company, Inc.Inventors: Bobby Chetal, Iwao Fusillo, Tushar Kant Gaur, Nilesh Anil Ghate, Anshul Jain, Vishal Jain, Abhishek Kachhara, Sanjay Madaan, Preetika Madan, Shriram Nalwade, Esha Paul, Harsimaran Singh
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Publication number: 20180218384Abstract: A system, method, and computer readable medium (collectively, the “system”) is disclosed for generating real-time insights from a big data storage platform. The system may process transaction data stored in a big data management system (BDMS) to generate characteristic data associated with a plurality of demographics. The system may also model an account associated with a corporate ID to identify a demographic from the plurality of demographics associated with the corporate ID. The system may further compare the user data associated with the corporate ID to the characteristic data of the demographic associated with the corporate ID to generate a view responsive to a request. The system may also transmit the view in response to the request, for example, to an interface for use by a program administrator.Type: ApplicationFiled: January 31, 2017Publication date: August 2, 2018Applicant: American Express Travel Related Services Company, Inc.Inventors: Jane Cook, Michelle Geller, Yogaraj Jayaprakasam, Abhishek Kachhara, Sanjay Madaan
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Patent number: 7309008Abstract: The invention facilitates the computation of expected approval rates based on historic transaction data relating to transaction classes, approved transactions and declined transactions. The invention provides a system and method by which a program administrator for a company may model varying client-imposed limit scenarios in order to determine one or more optimal monthly and/or transactional spending limits. Further, the present invention provides a means for setting varying monthly and/or transaction spending limits for purchases from any number of industries. Providing card members with information regarding optimal spending limits reduces the occurrences of declined credit transactions.Type: GrantFiled: October 23, 2006Date of Patent: December 18, 2007Assignee: American Express Travel Related Services Company, Inc.Inventors: Gordon Emory Anderson, Catherine J Campanaro, David S Connelly, Sanjay Madaan, Kevin L Moore, Sangarsh Nigam, Yulona Sue Wong
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Publication number: 20070040020Abstract: The invention facilitates the computation of expected approval rates based on historic transaction data relating to transaction classes, approved transactions and declined transactions. The invention provides a system and method by which a program administrator for a company may model varying client-imposed limit scenarios in order to determine one or more optimal monthly and/or transactional spending limits. Further, the present invention provides a means for setting varying monthly and/or transaction spending limits for purchases from any number of industries. Providing card members with information regarding optimal spending limits reduces the occurrences of declined credit transactions.Type: ApplicationFiled: October 23, 2006Publication date: February 22, 2007Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INCInventors: Gordon Anderson, Catherine Campanaro, David Connelly, Sanjay Madaan, Kevin Moore, Sangarsh Nigam, Yulona Wong
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Patent number: 7143936Abstract: The invention facilitates the computation of expected approval rates based on historic transaction data relating to transaction classes, approved transactions and declined transactions. The invention provides a system and method by which a program administrator for a company may model varying client-imposed limit scenarios in order to determine one or more optimal monthly and/or transactional spending limits. Further, the present invention provides a means for setting varying monthly and/or transaction spending limits for purchases from any number of industries. Providing card members with information regarding optimal spending limits reduces the occurrences of declined credit transactions.Type: GrantFiled: February 9, 2005Date of Patent: December 5, 2006Assignee: American Express Travel Related Services Company, Inc.Inventors: Gordon Emory Anderson, Catherine J. Campanaro, David S. Connelly, Sanjay Madaan, Kevin L. Moore, Sangarsh Nigam, Yulona Sue Wong
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Publication number: 20060178984Abstract: The invention facilitates the computation of expected approval rates based on historic transaction data relating to transaction classes, approved transactions and declined transactions. The invention provides a system and method by which a program administrator for a company may model varying client-imposed limit scenarios in order to determine one or more optimal monthly and/or transactional spending limits. Further, the present invention provides a means for setting varying monthly and/or transaction spending limits for purchases from any number of industries. Providing card members with information regarding optimal spending limits reduces the occurrences of declined credit transactions.Type: ApplicationFiled: February 9, 2005Publication date: August 10, 2006Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Gordon Anderson, Catherine Campanaro, David Connelly, Sanjay Madaan, Kevin Moore, Sangarsh Nigam, Yulona Wong