Melissa A Schwartz

US Patent:

8571919, Oct 29, 2013

Filed:

Jan 20, 2010

Appl. No.:

12/690693

Inventors:

Rajendra R. Rane - Edison NJ, US
Melissa Schwartz - Brooklyn NY, US

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06Q 10/00

US Classification:

705 733

Abstract:

The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e. g. , consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided.

US Patent:

20110178841, Jul 21, 2011

Filed:

Jan 20, 2010

Appl. No.:

12/690669

Inventors:

Rajendra R. Rane - Edison NJ, US
Melissa Schwartz - Brooklyn NY, US

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06Q 10/00

US Classification:

705 731

Abstract:

The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided.

US Patent:

20110178843, Jul 21, 2011

Filed:

Jan 20, 2010

Appl. No.:

12/690712

Inventors:

Rajendra R. Rane - Edison NJ, US
Melissa Schwartz - Brooklyn NY, US

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06Q 10/00
G06Q 30/00

US Classification:

705 731

Abstract:

The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided.

US Patent:

20110178844, Jul 21, 2011

Filed:

Jan 20, 2010

Appl. No.:

12/690725

Inventors:

Rajendra R. Rane - Edison NJ, US
Melissa Schwartz - Brooklyn NY, US

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06Q 10/00
G06Q 30/00
G06F 17/30

US Classification:

705 731, 705347, 707748, 707E17046

Abstract:

The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided.

US Patent:

20110178845, Jul 21, 2011

Filed:

Jan 20, 2010

Appl. No.:

12/690739

Inventors:

Rajendra R. Rane - Edison NJ, US
Melissa Schwartz - Brooklyn NY, US

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06Q 10/00
G06F 17/30

US Classification:

705 731, 707737, 707E17089

Abstract:

The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided.

US Patent:

20110178846, Jul 21, 2011

Filed:

Jan 20, 2010

Appl. No.:

12/690759

Inventors:

Rajendra R. Rane - Edison NJ, US
Melissa Schwartz - Brooklyn NY, US

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06Q 10/00
G06F 17/30

US Classification:

705 731, 707737, 707748, 707E17089

Abstract:

The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided.

US Patent:

20110178847, Jul 21, 2011

Filed:

Jan 20, 2010

Appl. No.:

12/690784

Inventors:

Rajendra R. Rane - Edison NJ, US
Melissa Schwartz - Brooklyn NY, US

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06Q 10/00

US Classification:

705 731

Abstract:

The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided.

US Patent:

20110178848, Jul 21, 2011

Filed:

Jan 20, 2010

Appl. No.:

12/690798

Inventors:

Rajendra R. Rane - Edison NJ, US
Melissa Schwartz - Brooklyn NY, US

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06Q 10/00
G06Q 99/00
G06F 17/30

US Classification:

705 731, 707737, 707758, 707E17014, 707E17089, 707748

Abstract:

The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided.