Patents by Inventor Weichiang Hu

Weichiang Hu 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).

  • System and method for mitigating merchant debit balances
    Patent number: 8447686
    Abstract: A system and method for collecting data about merchants or service establishments that accept credit cards or charge cards as payment for goods and services, segmenting the merchants into groups, generating risk scores for the merchants based upon each merchants' group and, based upon the risk scores, providing information to a card issuer to take remedial action for merchants that are at higher risk for entering into a debit balance.
    Type: Grant
    Filed: September 22, 2004
    Date of Patent: May 21, 2013
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Qingli Wang, David Yu, Salvator Nkunzimana, Jin Wu, Weichiang Hu