Henry Weinberger

US Patent:

60291532, Feb 22, 2000

Filed:

Sep 11, 1997

Appl. No.:

8/927683

Inventors:

Renee Bauchner - New York NY
Henry Weinberger - New York NY
Wilbur E. Wright - Elmsford NY
Al Newman - Huntington NY

Assignee:

Citibank, N.A. - New York NY

International Classification:

G06F 1520
G06F 1540
G06F 1700
G04B 1922

US Classification:

705 42

Abstract:

A system and method for identifying and communicating the availability of additional products to at least one customer of a financial institution is disclosed. A processor analyses data about the customer and identifies characteristics indicative of financial products compatible with the customer's financial needs. The customer's files are appropriately electronically tagged and representatives of the financial institution are alerted of the marketing opportunity and, in turn, communicate the availability of the product to said customer. The representative may be a teller, branch manager, telemarketer or direct mail supervisor. Reporting of tagging is also provided.

US Patent:

20180181963, Jun 28, 2018

Filed:

Dec 23, 2016

Appl. No.:

15/389637

Inventors:

- Purchase NY, US
Henry M. Weinberger - New York NY, US
Michael J. Cardamone - New Windsor NY, US
Po Hu - Norwalk CT, US
Heather Marie Kowalczyk - Oakland NJ, US
Avyaktanand Tiwary - Gugaon, IN

International Classification:

G06Q 20/40
G06Q 20/38
G06Q 20/32

Abstract:

Methods, apparatus and systems, the method including receiving, by a processor of a consumer mobile device, a request from a user for a purchase pre-authorization; receiving, by a biometric input component of the consumer mobile device, biometric data that uniquely identifies the user; sending a representation of the biometric data to a pre-purchase authentication server; receiving, by the mobile device processor from the pre-purchase server, a message including a unique code, the unique code being associated with a payment card account of the user and valid to use to authorize future purchase transactions using the payment card account for a finite period of time and a specific amount of funds of the payment card account; and displaying, on a display screen component of the consumer mobile device in response to the request, the unique code.

US Patent:

20170186021, Jun 29, 2017

Filed:

Dec 29, 2015

Appl. No.:

14/982675

Inventors:

- Purchase NY, US
Pavel Umanski - Brooklyn NY, US
Serge Bernard - Danbury CT, US
Henry Weinberger - New York NY, US

Assignee:

MasterCard International Incorporated - Purchase NY

International Classification:

G06Q 30/02
G06Q 50/00
G06Q 40/00

Abstract:

A method for identifying a high growth business from combined data sets comprising: storing, a plurality of data elements configured to store at least a merchant identifier, acceptance flag, transaction date, and transaction amount; receiving, a merchant growth request command including at least a specific merchant identifier associated with a specific merchant; executing, a query on the transaction database to identify a subset of transaction messages; determining, a transaction volume over time for the specific merchant based on at least the transaction amount and transaction date; identifying, social media data associated with the specific merchant, and a growth index for the specific merchant based on at least the transaction volume over time determined for the specific merchant and the measure of social media presence over time based on the associated dates.

US Patent:

20170177618, Jun 22, 2017

Filed:

Dec 22, 2015

Appl. No.:

14/978735

Inventors:

- Purchase NY, US
Henry Weinberger - New York NY, US

International Classification:

G06F 17/30
H04W 4/02

Abstract:

Exemplary embodiments of systems and methods are provided for determining detailed locations of entities. One exemplary method includes receiving at least one signal record for a communication device associated with a user. The at least one signal record includes multiple signal strengths, a temporal indicator, and an identifier unique to the communication device. The exemplary method further includes accessing multiple discrete event records associated with the entity, correlating one of the multiple discrete event records to the at least one signal record based on the temporal indicator included in the at least one signal record, and generating a location range associated with the entity, based on the signal strengths included in the at least one signal record, whereby a location of the entity, distinct from one or more other entities, is indicated by the location range.

US Patent:

20170178189, Jun 22, 2017

Filed:

Dec 22, 2015

Appl. No.:

14/978706

Inventors:

- Purchase NY, US
Henry Weinberger - New York NY, US
Shen Xi Meng - Millwood NY, US
Jean-Pierre Gerard - Croton-On-Hudson NY, US

International Classification:

G06Q 30/02
H04W 4/02

Abstract:

Exemplary systems and methods are provided for directing offer content to consumers at communication devices, while the consumers are at merchants. An exemplary method includes detecting an application identifier associated with a communication device at or near a merchant, and receiving signal strength records from the communication device indicative of signal strengths for wireless networking devices at a given time and associated with the application identifier. The method also includes accessing a zone map for the merchant that includes different zones each defining a position of at least one product, and plotting a path of the communication device, per given time, relative to the zone map. The method further includes displaying an offer for a product to the communication device, based on the path of the consumer through the merchant, along with other factors such as historical behavior patterns of the consumer, similar patterns from other consumers, etc.

US Patent:

20170169450, Jun 15, 2017

Filed:

Dec 11, 2015

Appl. No.:

14/966986

Inventors:

- Purchase NY, US
Anshul PANDEY - Gurgaon, IN
Henry WEINBERGER - New York NY, US

International Classification:

G06Q 30/02
G06Q 40/00
G06Q 10/06
G06F 17/30

Abstract:

A system, method, and computer readable storage medium configured to process, analyze, and model of large amounts of data from a sample of accountholders that is representative of the overall consumer population across key geographic, demographic, and behavior dimensions in an in-memory modeling environment.

US Patent:

20170061457, Mar 2, 2017

Filed:

Sep 2, 2015

Appl. No.:

14/843183

Inventors:

- Purchase NY, US
Henry Weinberger - New York City NY, US
Curtis Villars - Chatham NJ, US
Bruce MacNair - Stamford CT, US

International Classification:

G06Q 30/02

Abstract:

Methods and systems for determining consumer spend analytics are provided. The method includes identifying a plurality of microsegments of a population, retrieving transaction data associated with a first cardholder from a payment processing network, and matching the first cardholder to a first microsegment of the plurality of microsegments. The method also includes calculating, based at least in part on the typical income and the typical spend of the consumers in the first microsegment, a cardable spend for the first cardholder. The method further includes calculating, based at least in part on the cardable spend and the transaction data, a carded spend share that the first cardholder spent using a first payment device over the payment processing network; determining at least one consumer spend analytic based on the carded spend share; and reporting the carded spend share and the at least one consumer spend analytic.

US Patent:

20160066136, Mar 3, 2016

Filed:

Jul 1, 2015

Appl. No.:

14/789305

Inventors:

- Purchase NY, US
Justin X. Howe - San Fransico CA, US
Henry Weinberger - New York NY, US
Po Hu - Norwalk CT, US

International Classification:

H04W 4/02

Abstract:

Disclosed are exemplary embodiments of systems and methods for identifying a merchant location based on transaction records for the merchant. In an exemplary embodiment, a method generally includes accessing multiple router records. Each router record is assigned to one of multiple cells of a grid structure indicative of geographic location. Each router record is associated with a target merchant. The method further includes, for each of the multiple router records, searching for a match between the router record and at least one of multiple transactions at the target merchant, based on time, and reporting one or more of the multiple cells as a location associated with the target merchant, when a number of matching router records assigned to said one or more of the multiple cells exceeds a predetermined threshold.