Patents by Inventor Venkat Varadachary
Venkat Varadachary 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: 20240127286Abstract: A system and method for generating personalized content for a user device. In one example, a system can cause a computing device to display a first plurality of search results on a user interface of a user device based at least in part on a first request. Clickstream data can be identifier from the user interface displayed on the user device. The clickstream data comprises a user-specified sort of the first plurality of search results on the user interface. A sorting habit for the user can be determined based at least in part on the user-specified sort of the first plurality of search results on the user interface. The computing device can display on the user interface a second plurality of search results. The second plurality of search results are sorted for display based at least in part on the sorting habit for the user.Type: ApplicationFiled: December 20, 2023Publication date: April 18, 2024Inventors: Emily E. Gould, Kristen N. Oldenburger, Alice Park, Seth M. Ross, Mohammad Torkzahrani, Venkat Varadachary
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Patent number: 11893605Abstract: A system and method for generating personalized content for a user device. In one example, a system can cause a computing device to generate a merchant score for a plurality of merchants based at least in part on merchant statistics and display a user interface on a user device of a user. The user interface includes a subset of the merchants that have been identified for a user based at least in part on the merchant score. Clickstream data can be received from the user interface displayed on the user device. An updated merchant score can be generated based at least in part on the user preference. A sorting habit for the user is determined based at least in part on a user-specified sort received from the user interface. A modified subset of the merchants is displayed on the user device based on the sorting habit.Type: GrantFiled: February 11, 2022Date of Patent: February 6, 2024Assignee: American Express Travel Related Services Company, Inc.Inventors: Emily E. Gould, Kristen N. Oldenburger, Alice Park, Seth M. Ross, Mohammad Torkzahrani, Venkat Varadachary
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Patent number: 11762883Abstract: The present disclosure includes a system, method, and article of manufacture for generating an entity graph. The method may comprise determining a relationship between a first entity and a second entity based upon internal data, external data, and/or online data associated with the first entity, and generating the entity graph comprising at least two nodes and an edge connecting the at least two nodes. The method may further comprise, in various embodiments, tailoring marketing to the first entity based upon the entity graph, detecting fraud against the first entity based upon the entity graph, periodically updating the entity graph based upon new internal data and new online data, and/or adjusting the edge based upon a change in the relationship between the first entity and the second entity.Type: GrantFiled: November 18, 2019Date of Patent: September 19, 2023Assignee: American Express Travel Related Services Company, Inc.Inventors: Abhijit Bose, Winnie Cheng, Anthony Mavromatis, Huiming Qu, Benjamin Schulte, Kendell Timmers, Venkat Varadachary, Wei Yin, Hao Zhou
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Patent number: 11741483Abstract: The systems and methods described herein may be used to recommend an item to a consumer. The methods may comprise determining, based on a collaborative filtering algorithm, a consumer relevance value associated with an item, and transmitting, based on the consumer relevance value, information associated with the item to a consumer. A collaborative filtering algorithm may receive as an input at least one of: a transaction history associated with the consumer, a demographic of the consumer, a consumer profile, a type of transaction account, a transaction account associated with the consumer, a period of time that the consumer has held a transaction account, a size of wallet, a share of wallet, and/or the like.Type: GrantFiled: December 14, 2017Date of Patent: August 29, 2023Assignee: American Express Travel Related Services Company, Inc.Inventors: Lee Chau, Terrence Fischer, Anthony Mavromatis, Andrew K. Smith, Venkat Varadachary, Henry Yuan
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Patent number: 11734699Abstract: The systems and methods may be used to recommend an item to a consumer. The methods may comprise determining, based on a collaborative filtering algorithm, a consumer relevance value associated with an item, and transmitting, based on the consumer relevance value, information associated with the item to a consumer. A collaborative filtering algorithm may receive as an input a transaction history associated with the consumer, a demographic of the consumer, a consumer profile, a type of transaction account, a transaction account associated with the consumer, a period of time that the consumer has held a transaction account, a size of wallet, and/or a share of wallet. The method may further comprise generating a ranked list of items based upon consumer relevance values, transmitting a ranked list of items to a consumer, and/or re-ranking a ranked list of items based upon a merchant goal.Type: GrantFiled: October 30, 2015Date of Patent: August 22, 2023Assignee: American Express Travel Related Services Company, Inc.Inventors: Lee Chau, Terrence Fischer, Anthony Mavromatis, Venkat Varadachary, Michael Wang
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Patent number: 11367086Abstract: The systems and methods may be used to recommend an item to a consumer. The methods may comprise determining, based on a collaborative filtering algorithm, a consumer relevance value associated with an item, and transmitting, based on the consumer relevance value, information associated with the item to a consumer. A collaborative filtering algorithm may receive as an input a transaction history associated with the consumer, a demographic of the consumer, a consumer profile, a type of transaction account, a transaction account associated with the consumer, a period of time that the consumer has held a transaction account, a size of wallet, and/or a share of wallet. The method may further comprise generating a ranked list of items based upon consumer relevance values, transmitting a ranked list of items to a consumer, and/or re-ranking a ranked list of items based upon a merchant goal.Type: GrantFiled: October 30, 2015Date of Patent: June 21, 2022Assignee: American Express Travel Related Services Company, Inc.Inventors: Lee Chau, Terrence Fischer, Anthony Mavromatis, Venkat Varadachary, Michael Wang
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Publication number: 20220164829Abstract: A system and method for generating personalized content for a user device. In one example, a system can cause a computing device to generate a merchant score for a plurality of merchants based at least in part on merchant statistics and display a user interface on a user device of a user. The user interface includes a subset of the merchants that have been identified for a user based at least in part on the merchant score. Clickstream data can be received from the user interface displayed on the user device. An updated merchant score can be generated based at least in part on the user preference. A sorting habit for the user is determined based at least in part on a user-specified sort received from the user interface. A modified subset of the merchants is displayed on the user device based on the sorting habit.Type: ApplicationFiled: February 11, 2022Publication date: May 26, 2022Inventors: Emily E. Gould, Kristen N. Oldenburger, Alice Park, Seth M. Ross, Mohammad Torkzahrani, Venkat Varadachary
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Patent number: 11276077Abstract: A system may generate a first transaction history from a plurality of records of charge. The system may select a plurality of merchants based on the plurality of records of charge, and generate a first user profile in response to the first transaction history and the plurality of merchants. The first user profile may comprise a merchant score for a merchant appearing in the first transaction history. The first transaction history may include transaction account issuer data. The system may receive a request for content that identifies a user account associated with the first user profile. The system may further generate the content based on the merchant score in response to the request for the content. The request may be automatically generated by the application or may be in response to an action by the first user.Type: GrantFiled: June 3, 2019Date of Patent: March 15, 2022Assignee: American Express Travel Related Services Company, Inc.Inventors: Emily E. Gould, Kristen N. Oldenburger, Alice Park, Seth M. Ross, Mohammad Torkzahrani, Venkat Varadachary
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Patent number: 11276115Abstract: Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data.Type: GrantFiled: November 4, 2019Date of Patent: March 15, 2022Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Venkat Varadachary
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Patent number: 11170397Abstract: The systems are generally configured to provide rewards. The systems are capable of syncing transaction accounts with one or more reward programs and one or more channels. Moreover, the systems are capable dynamically provisioning rewards in one or more subsets to a rewards program to distribute high, medium and low value rewards to a reward program throughout the duration of the program.Type: GrantFiled: December 6, 2019Date of Patent: November 9, 2021Assignee: American Express Travel Related Services Company, Inc.Inventors: Priyabroto Chatterjee, Jaimie Daniels, Debasish Das, Kathleen King Goulart, Zhenling Huang, Marissa Eddings Lott, Anthony Mavromatis, Cristina Minervini, Olutokunbo Ojo-Ade, Sepehr Sarmadi, Venkat Varadachary
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Publication number: 20200380538Abstract: At least some embodiments are directed to a system that receives data generated when point of sale terminals are used. The point of sale terminals are associated with multiple merchants. The system generates a quantitative data from the received data. The system computes a quality of service score of a first merchant based on the quantitative data. The system generates an item data structure storing values that correlate multiple users with multiple merchants at least based on the quality of service score. The system determines users that are shared by multiple merchants and computes a customer relevance value associated with the user and the first merchant. The system outputs a user-specific recommendation associated with a second merchant to a user computing device, wherein the user-specific recommendation is computed at least in part based on the customer relevance value associated with the first merchant.Type: ApplicationFiled: July 15, 2020Publication date: December 3, 2020Inventors: Lee Chau, Terrence Fischer, Anthony Mavromatis, Venkat Varadachary, Michael Wang
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Patent number: 10504132Abstract: The systems are generally configured to provide rewards. The systems are capable of syncing transaction accounts with one or more reward programs and one or more channels. Moreover, the systems are capable dynamically provisioning rewards in one or more subsets to a rewards program to distribute high, medium and low value rewards to a reward program throughout the duration of the program.Type: GrantFiled: November 27, 2012Date of Patent: December 10, 2019Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Priyabroto Chatterjee, Jaimie Daniels, Debasish Das, Kathleen King Goulart, Zhenling Huang, Marissa Eddings Lott, Anthony Mavromatis, Cristina Minervini, Olutokunbo Ojo-Ade, Sepehr Sarmadi, Venkat Varadachary
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Patent number: 10497055Abstract: Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data.Type: GrantFiled: September 26, 2016Date of Patent: December 3, 2019Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Kathleen Haggerty, Venkat Varadachary
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Patent number: 10430829Abstract: A system may generate a first transaction history from a plurality of records of charge. The system may select a plurality of merchants based on the plurality of records of charge, and generate a first user profile in response to the first transaction history and the plurality of merchants. The first user profile may comprise a merchant score for a merchant appearing in the first transaction history. The first transaction history may include transaction account issuer data. The system may receive a request for content that identifies a user account associated with the first user profile. The system may further generate the content based on the merchant score in response to the request for the content. The request may be automatically generated by the application or may be in response to an action by the first user.Type: GrantFiled: January 28, 2016Date of Patent: October 1, 2019Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Emily E. Gould, Kristen N. Oldenburger, Alice Park, Seth M. Ross, Mohammad Torkzahrani, Venkat Varadachary
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Publication number: 20190287135Abstract: A system may generate a first transaction history from a plurality of records of charge. The system may select a plurality of merchants based on the plurality of records of charge, and generate a first user profile in response to the first transaction history and the plurality of merchants. The first user profile may comprise a merchant score for a merchant appearing in the first transaction history. The first transaction history may include transaction account issuer data. The system may receive a request for content that identifies a user account associated with the first user profile. The system may further generate the content based on the merchant score in response to the request for the content. The request may be automatically generated by the application or may be in response to an action by the first user.Type: ApplicationFiled: June 3, 2019Publication date: September 19, 2019Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Emily E. Gould, Kristen N. Oldenburger, Alice Park, Seth M. Ross, Mohammad Torkzahrani, Venkat Varadachary
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Publication number: 20180114235Abstract: The systems and methods described herein may be used to recommend an item to a consumer. The methods may comprise determining, based on a collaborative filtering algorithm, a consumer relevance value associated with an item, and transmitting, based on the consumer relevance value, information associated with the item to a consumer. A collaborative filtering algorithm may receive as an input at least one of: a transaction history associated with the consumer, a demographic of the consumer, a consumer profile, a type of transaction account, a transaction account associated with the consumer, a period of time that the consumer has held a transaction account, a size of wallet, a share of wallet, and/or the like.Type: ApplicationFiled: December 14, 2017Publication date: April 26, 2018Applicant: American Express Travel Related Services Company, Inc.Inventors: LEE CHAU, TERRENCE FISCHER, ANTHONY MAVROMATIS, ANDREW K. SMITH, VENKAT VARADACHARY, HENRY YUAN
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Patent number: 9881309Abstract: The systems and methods described herein may be used to recommend an item to a consumer. The methods may comprise determining, based on a collaborative filtering algorithm, a consumer relevance value associated with an item, and transmitting, based on the consumer relevance value, information associated with the item to a consumer. A collaborative filtering algorithm may receive as an input at least one of: a transaction history associated with the consumer, a demographic of the consumer, a consumer profile, a type of transaction account, a transaction account associated with the consumer, a period of time that the consumer has held a transaction account, a size of wallet, a share of wallet, and/or the like.Type: GrantFiled: March 11, 2013Date of Patent: January 30, 2018Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Lee Chau, Terrence Fischer, Anthony Mavromatis, Andrew K. Smith, Venkat Varadachary, Henry Yuan
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Publication number: 20170228454Abstract: The present disclosure includes a system, method, and article of manufacture for generating an entity graph. The method may comprise determining a relationship between a first entity and a second entity based upon internal data, external data, and/or online data associated with the first entity, and generating the entity graph comprising at least two nodes and an edge connecting the at least two nodes. The method may further comprise, in various embodiments, tailoring marketing to the first entity based upon the entity graph, detecting fraud against the first entity based upon the entity graph, periodically updating the entity graph based upon new internal data and new online data, and/or adjusting the edge based upon a change in the relationship between the first entity and the second entity.Type: ApplicationFiled: April 24, 2017Publication date: August 10, 2017Applicant: American Express Travel Related Services Company, Inc.Inventors: Abhijit Bose, Winnie Cheng, Anthony Mavromatis, Huiming Qu, Benjamin Schulte, Kendell Timmers, Venkat Varadachary, Wei Yin, Hao Zhou
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Patent number: 9665661Abstract: The present disclosure includes a system, method, and article of manufacture for generating an entity graph. The method may comprise determining a relationship between a first entity and a second entity based upon internal data, external data, and/or online data associated with the first entity, and generating the entity graph comprising at least two nodes and an edge connecting the at least two nodes. The method may further comprise, in various embodiments, tailoring marketing to the first entity based upon the entity graph, detecting fraud against the first entity based upon the entity graph, periodically updating the entity graph based upon new internal data and new online data, and/or adjusting the edge based upon a change in the relationship between the first entity and the second entity.Type: GrantFiled: June 25, 2015Date of Patent: May 30, 2017Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMANY, INC.Inventors: Abhijit Bose, Winnie Cheng, Anthony Mavromatis, Huiming Qu, Benjamin Schulte, Kendell Timmers, Venkat Varadachary, Wei Yin, Hao Zhou
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Patent number: 9665874Abstract: The systems and methods may be used to recommend an item to a consumer. The methods may comprise determining, based on a collaborative filtering algorithm, a consumer relevance value associated with an item, and transmitting, based on the consumer relevance value, information associated with the item to a consumer. A collaborative filtering algorithm may receive as an input a transaction history associated with the consumer, a demographic of the consumer, a consumer profile, a type of transaction account, a transaction account associated with the consumer, a period of time that the consumer has held a transaction account, a size of wallet, and/or a share of wallet. The method may further comprise generating a ranked list of items based upon consumer relevance values, transmitting a ranked list of items to a consumer, and/or re-ranking a ranked list of items based upon a merchant goal.Type: GrantFiled: March 11, 2013Date of Patent: May 30, 2017Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Lee Chau, Terrence Fischer, Anthony Mavromatis, Venkat Varadachary, Michael Wang