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).
-
Patent number: 7853520Abstract: 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: December 14, 2010Assignee: American Express Travel Related Services Company, Inc.Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
-
Patent number: 7849004Abstract: 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: December 7, 2010Assignee: American Express Travel Related Services Company, Inc.Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
-
Patent number: 7814008Abstract: 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: October 12, 2010Assignee: American Express Travel Related Services Company, Inc.Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
-
Publication number: 20100198762Abstract: 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: ApplicationFiled: April 7, 2010Publication date: August 5, 2010Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Jayatu Sen Chaudhury, Amber Gupta, Prasanta Sahu, Tirthankar Choudhuri
-
Patent number: 7720782Abstract: 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: December 22, 2006Date of Patent: May 18, 2010Assignee: American Express Travel Related Services Company, Inc.Inventors: Jayatu Sen Chaudhury, Amber Gupta, Prasanta Sahu, Tirthankar Choudhuri
-
Publication number: 20090222377Abstract: 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 29, 2008Publication date: September 3, 2009Applicant: American Express Travel Related Services Company, Inc.Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
-
Publication number: 20090222373Abstract: 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 29, 2008Publication date: September 3, 2009Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
-
Publication number: 20090222380Abstract: 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 29, 2008Publication date: September 3, 2009Applicant: American Express Travel Related Services Company, IncInventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
-
Publication number: 20090222374Abstract: 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 29, 2008Publication date: September 3, 2009Applicant: American Express Travel Related Services Company, Inc.Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
-
Publication number: 20090222379Abstract: 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 29, 2008Publication date: September 3, 2009Applicant: American Express Travel Related Services Company, Inc.Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
-
Publication number: 20090222376Abstract: 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 29, 2008Publication date: September 3, 2009Applicant: American Express Travel Related Services Company, Inc.Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
-
Publication number: 20090222375Abstract: 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 29, 2008Publication date: September 3, 2009Applicant: American Express Travel Related Services Company, Inc.Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
-
Publication number: 20090222378Abstract: 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 29, 2008Publication date: September 3, 2009Applicant: American Express Travel Related Services Company, Inc.Inventors: Tirthankar Choudhuri, Anjali Dewan, Amber Gupta, Kathleen Haggerty, Di Xu, Chao Yuan
-
Publication number: 20080154814Abstract: 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: ApplicationFiled: December 22, 2006Publication date: June 26, 2008Applicant: American Express Travel Related Services Company, Inc.Inventors: Jayatu Sen Chaudhury, Amber Gupta, Prasanta Sahu, Tirthankar Choudhuri