Patents by Inventor Tirthankar Choudhuri
Tirthankar Choudhuri 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: 11900401Abstract: The present disclosure presents systems and related methods for creating real-time predictions. One such method comprises receiving, by a computing device, a first set of data and a second set of data, wherein the first set of data comprises a plurality of items available from a first source for a first set of users and the second set of data comprises transaction purchase data for a second set of users that have reward accounts, utilizing a predictive data model that determines a propensity score for a user from only behavior data that is not attributed to the user; receiving a third set of data from a third source comprising social media channel data for a third set of users; and updating the predictive data model to determine the propensity score for the user based at least in part on the third set of data.Type: GrantFiled: May 9, 2023Date of Patent: February 13, 2024Assignee: American Express Travel Related Services Company, Inc.Inventors: Lee Chau, Tirthankar Choudhuri, Ajay Choudhary, Vikas Grover, Mohd Arshad Naeem, Subhajit Sanyal, Dawn Thomas, Amit Jagdish Agarwal, Pranav Mehta, Kamal Gupta, Subhra Purkayastha, Prakruthi Prabhakar
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Publication number: 20230306452Abstract: The present disclosure presents systems and related methods for creating real-time predictions. One such method comprises receiving, by a computing device, a first set of data and a second set of data, wherein the first set of data comprises a plurality of items available from a first source for a first set of users and the second set of data comprises transaction purchase data for a second set of users that have reward accounts, utilizing a predictive data model that determines a propensity score for a user from only behavior data that is not attributed to the user; receiving a third set of data from a third source comprising social media channel data for a third set of users; and updating the predictive data model to determine the propensity score for the user based at least in part on the third set of data.Type: ApplicationFiled: May 9, 2023Publication date: September 28, 2023Inventors: Lee Chau, Tirthankar Choudhuri, Ajay Choudhary, Vikas Grover, Mohd Arshad Naeem, Subhajit Sanyal, Dawn Thomas, Amit Jagdish Agarwal, Pranav Mehta, Kamal Gupta, Subhra Purkayastha, Prakruthi Prabhakar
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Patent number: 11710140Abstract: The systems, methods and computer program products (collectively “system”) described herein relate to customized real time data delivery. The system may be configured to receive, by a performance marketing cluster, first data from a first data source. The system may also receive, by the performance marketing cluster, second data from a second data source. The system may determine, by the marketing cluster, an analysis scheme for the first data and the second data based on the first data source. The system may also determine, by the marketing cluster, at least one of a propensity to act or a recommendation selected from a predefined number of available options for a population based on the analysis scheme and the first data source.Type: GrantFiled: January 21, 2020Date of Patent: July 25, 2023Assignee: American Express Travel Related Services Company, Inc.Inventors: Lee Chau, Tirthankar Choudhuri, Ajay Choudhary, Vikas Grover, Mohd Arshad Naeem, Subhajit Sanyal, Dawn Thomas, Amit Jagdish Agarwal, Pranav Mehta, Kamal Gupta, Subhra Purkayastha, Prakruthi Prabhakar
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Patent number: 10019757Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.Type: GrantFiled: November 20, 2013Date of Patent: July 10, 2018Assignee: American Express Travel Related Services Company, Inc.Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
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Publication number: 20170046727Abstract: The systems, methods and computer program products (collectively “system”) described herein relate to customized real time data delivery. The system may be configured to receive, by a performance marketing cluster, first data from a first data source. The system may also receive, by the performance marketing cluster, second data from a second data source. The system may determine, by the marketing cluster, an analysis scheme for the first data and the second data based on the first data source. The system may also determine, by the marketing cluster, at least one of a propensity to act or a recommendation selected from a predefined number of available options for a population based on the analysis scheme and the first data source.Type: ApplicationFiled: December 7, 2015Publication date: February 16, 2017Applicant: American Express Travel Related Services Company, Inc.Inventors: Lee Chau, Tirthankar Choudhuri, Ajay Choudhary, Vikas Grover, Mohd Arshad Naeem, Subhajit Sanyal, Dawn Thomas, Amit Jagdish Agarwal, Pranav Mehta, Kamal Gupta, Subhra Purkayastha, Prakruthi Prabhakar
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Publication number: 20140081835Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.Type: ApplicationFiled: November 20, 2013Publication date: March 20, 2014Applicant: American Express Travel Related Services Company, Inc.Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
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Patent number: 8620801Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.Type: GrantFiled: February 16, 2012Date of Patent: December 31, 2013Assignee: American Express Travel Related Services Company, Inc.Inventors: Tirthankar Choudhuri, Dewan Anjali, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
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Patent number: 8566228Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.Type: GrantFiled: February 16, 2012Date of Patent: October 22, 2013Assignee: American Express Travel Related Services Company, Inc.Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
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Patent number: 8566229Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.Type: GrantFiled: February 16, 2012Date of Patent: October 22, 2013Assignee: American Express Travel Related Services Company, Inc.Inventors: Tirthankar Choudhuri, Dewan Anjali, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
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Patent number: 8554666Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.Type: GrantFiled: June 21, 2011Date of Patent: October 8, 2013Assignee: American Express Travel Related Services Company, Inc.Inventors: Tirthankar Choudhuri, Dewan Anjali, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
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Patent number: 8554667Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.Type: GrantFiled: February 16, 2012Date of Patent: October 8, 2013Assignee: American Express Travel Related Services Company, Inc.Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
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Patent number: 8458083Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.Type: GrantFiled: February 29, 2008Date of Patent: June 4, 2013Assignee: American Express Travel Related Services Company, Inc.Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
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Publication number: 20120150722Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.Type: ApplicationFiled: February 16, 2012Publication date: June 14, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
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Publication number: 20120150723Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.Type: ApplicationFiled: February 16, 2012Publication date: June 14, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
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Publication number: 20120150721Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.Type: ApplicationFiled: February 16, 2012Publication date: June 14, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
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Publication number: 20120150724Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.Type: ApplicationFiled: February 16, 2012Publication date: June 14, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
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Publication number: 20110251948Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.Type: ApplicationFiled: June 21, 2011Publication date: October 13, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
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Patent number: 7991690Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.Type: GrantFiled: November 2, 2010Date of Patent: August 2, 2011Assignee: American Express Travel Related Services Company, Inc.Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, 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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Publication number: 20110047071Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.Type: ApplicationFiled: November 2, 2010Publication date: February 24, 2011Applicant: American Express Travel Related Services Compnay, Inc.Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan