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    Merchant Suggestions Based On A Merchant Score
    3.
    发明申请
    Merchant Suggestions Based On A Merchant Score 审中-公开

    公开(公告)号：US20190287135A1

    公开(公告)日：2019-09-19

    申请号：US16429505

    申请日：2019-06-03

    申请人： AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.

    发明人： Emily E. Gould ,  Kristen N. Oldenburger ,  Alice Park ,  Seth M. Ross ,  Mohammad Torkzahrani ,  Venkat Varadachary

    IPC分类号： G06Q30/02 ,  G06F16/24 ,  G06Q50/14 ,  G06Q30/06

    摘要： 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.

    System and Method for an Estimated Consumer Price
    5.
    发明申请
    System and Method for an Estimated Consumer Price 审中-公开
    估计消费者价格的制度和方法

    公开(公告)号：US20160071122A1

    公开(公告)日：2016-03-10

    申请号：US14928786

    申请日：2015-10-30

    申请人： American Express Travel Related Services Company, Inc.

    发明人： Lee Chau ,  Terrence Fischer ,  Anthony Mavromatis ,  Venkat Varadachary ,  Michael Wang

    IPC分类号： G06Q30/02

    摘要： 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.

    摘要翻译： 系统和方法可以用于向消费者推荐物品。 方法可以包括基于协作过滤算法来确定与项目相关联的消费者相关性值，并且基于消费者相关性值将与该项目相关联的信息发送给消费者。 协作过滤算法可以作为输入接收与消费者相关联的交易历史，消费者的人口统计，消费者简档，交易账户类型，与消费者相关联的交易账户，消费者持有的时间段 交易账户，钱包的大小和/或钱包的份额。 该方法还可以包括基于消费者相关性值来生成排序的项目列表，基于商家目标向商品发送商品的排序列表和/或重新排列商品的列表。

    Systems and Methods for Dynamic Construction of Entity Graphs
    6.
    发明申请
    Systems and Methods for Dynamic Construction of Entity Graphs 有权
    实体图动态构建系统与方法

    公开(公告)号：US20150294028A1

    公开(公告)日：2015-10-15

    申请号：US14750017

    申请日：2015-06-25

    申请人： American Express Travel Related Services Company, Inc.

    发明人： Abhijit Bose ,  Winnie Cheng ,  Anthony Mavromatis ,  Huiming Qu ,  Benjamin Schulte ,  Kendell Timmers ,  Venkat Varadachary ,  Wei Yin ,  Hao Zhou

    IPC分类号： G06F17/30

    CPC分类号： G06F17/30958 ,  G06F17/30312 ,  G06F17/30604 ,  G06Q20/4016 ,  G06Q30/0269 ,  G06Q40/00

    摘要： 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.

    摘要翻译： 本公开包括用于生成实体图的系统，方法和制品。 该方法可以包括基于与第一实体相关联的内部数据，外部数据和/或在线数据来确定第一实体和第二实体之间的关系，以及生成包括至少两个节点的实体图和连接在第 最少两个节点。 该方法还可以包括在各种实施例中，基于实体图对第一实体定制营销，基于实体图检测针对第一实体的欺诈，基于新的内部数据和新的在线数据周期性地更新实体图，以及 /或者基于第一实体和第二实体之间的关系的改变来调整边缘。

    System and Method for a Service Sentiment Indictor
    7.
    发明申请
    System and Method for a Service Sentiment Indictor 审中-公开

    公开(公告)号：US20200380538A1

    公开(公告)日：2020-12-03

    申请号：US16929508

    申请日：2020-07-15

    申请人： American Express Travel Related Services Company, Inc.

    发明人： Lee Chau ,  Terrence Fischer ,  Anthony Mavromatis ,  Venkat Varadachary ,  Michael Wang

    IPC分类号： G06Q30/02 ,  G06Q30/06 ,  G06Q20/20

    摘要： 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.

    System and Method for a Relative Consumer Cost
    8.
    发明申请
    System and Method for a Relative Consumer Cost 审中-公开

    公开(公告)号：US20160055508A1

    公开(公告)日：2016-02-25

    申请号：US14928855

    申请日：2015-10-30

    申请人： American Express Travel Related Services Company, Inc.

    发明人： Lee Chau ,  Terrence Fischer ,  Anthony Mavromatis ,  Venkat Varadachary ,  Michael Wang

    IPC分类号： G06Q30/02

    摘要： 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.

    Systems and methods for an analysis cycle to determine interest merchants
    9.
    发明授权
    Systems and methods for an analysis cycle to determine interest merchants 有权
    分析周期的系统和方法来确定兴趣商

    公开(公告)号：US09195988B2

    公开(公告)日：2015-11-24

    申请号：US13715792

    申请日：2012-12-14

    申请人： American Express Travel Related Services Company, Inc.

    发明人： Terrence Fischer ,  Anthony Harry Mavromatis ,  Monique M. Navarro ,  Benjamin Schulte ,  Venkat Varadachary

    IPC分类号： G06Q30/02

    CPC分类号： G06Q30/0631 ,  G06Q30/0201 ,  G06Q30/0204 ,  G06Q30/0255 ,  G06Q50/01

    摘要： The method of processing an analysis cycle to determine interest merchants may include selecting a seed merchant relevant to a topic interest, identifying consumers that have completed a transaction with the seed merchant to generate a list of identified consumers, determining merchants visited by the identified consumers, scoring all the merchants based on network connectivity, activity, and merchant over-index, updating the seed merchant in response to the list of scored merchants relative to a scoring threshold, and scoring the list of identified consumers based on the number of distinct merchants in transaction and over-indexing. Additionally, the method may further comprise producing a list of updated interest merchants and a list of updated identified consumers, where the updated interest merchants and the updated identified consumers are relevant to the topic interest.

    摘要翻译： 处理分析周期以确定兴趣商家的方法可以包括选择与主题兴趣相关的种子商家，识别已经与种子商家完成交易的消费者以产生已识别消费者的列表，确定由所识别的消费者访问的商家， 基于网络连接性，活动和商家过度索引对所有商家进行评分，响应于得分商家的列表相对于得分阈值更新种子商家，并基于不同商家的数量对所识别的消费者列表进行评分 交易和超索引。 另外，该方法还可以包括生成更新的兴趣商家的列表以及更新的所识别的消费者的列表，其中更新的兴趣商家和更新的识别的消费者与主题兴趣相关。