Iwao A Fusillo

US Patent:

8239250, Aug 7, 2012

Filed:

Dec 7, 2006

Appl. No.:

11/608179

Inventors:

Prashant Kalia - Fair Lawn NJ, US
Karlyn Heiner Crotty - Pennington NJ, US
Iwao Fusillo - Merrick NY, US

Assignee:

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

International Classification:

G06Q 30/00

US Classification:

705 10, 705 14, 705 35, 705 36

Abstract:

Consumer spend by industry is modeled based on the industry sizes of wallet of consumers having a high share of wallet with a financial institution. A size of wallet is calculated for each consumer in a plurality of consumers. A share of wallet for each consumer is also calculated. A subset of the plurality of consumers whose share of wallet is above a given percentage of their size of wallet is then determined. For each consumer in the subset, an industry size of wallet is determined. A correlation between the industry size of wallet of a given consumer and one or more characteristics of the given consumer is then derived using the industry size of wallet for the consumers in the subset.

US Patent:

8401947, Mar 19, 2013

Filed:

Jun 29, 2012

Appl. No.:

13/538936

Inventors:

Prashant Kalia - Fair Lawn NJ, US
Karlyn Heiner Crotty - Pennington NJ, US
Iwao Fusillo - Merrick NY, US

Assignee:

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

International Classification:

G06Q 40/00

US Classification:

705 35, 705 36, 705 37

Abstract:

Consumer spend by industry is modeled based on the industry sizes of wallet of consumers having a high share of wallet with a financial institution. A size of wallet is calculated for each consumer in a plurality of consumers. A share of wallet for each consumer is also calculated. A subset of the plurality of consumers whose share of wallet is above a given percentage of their size of wallet is then determined. For each consumer in the subset, an industry size of wallet is determined. A correlation between the industry size of wallet of a given consumer and one or more characteristics of the given consumer is then derived using the industry size of wallet for the consumers in the subset.

US Patent:

8615458, Dec 24, 2013

Filed:

Feb 25, 2013

Appl. No.:

13/776178

Inventors:

Karlyn Heiner Crotty - Pennington NJ, US
Iwao Fusillo - Merrick NY, US

Assignee:

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

International Classification:

G06Q 40/00

US Classification:

705 35, 705 36 R, 705 37

Abstract:

Consumer spend by industry is modeled based on the industry sizes of wallet of consumers having a high share of wallet with a financial institution. A size of wallet is calculated for each consumer in a plurality of consumers. A share of wallet for each consumer is also calculated. A subset of the plurality of consumers whose share of wallet is above a given percentage of their size of wallet is then determined. For each consumer in the subset, an industry size of wallet is determined. A correlation between the industry size of wallet of a given consumer and one or more characteristics of the given consumer is then derived using the industry size of wallet for the consumers in the subset.

US Patent:

20070288299, Dec 13, 2007

Filed:

Jun 13, 2006

Appl. No.:

11/451542

Inventors:

Rajendra R. Rane - Woodbridge NJ, US
David Juang - Forest Hills NY, US
Eduardo J. Alvarez - West Windsor NJ, US
Iwao Fusillo - Merrick NY, US

Assignee:

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

International Classification:

G06F 17/30

US Classification:

705 10

Abstract:

According to embodiments of the present invention there is provided a computer-based method and a computer program product for automatically sorting customers who make purchases from merchants using a credit card. The computer-based method includes the following steps. An adjusted index is calculated for a customer based on an amount of money the customer spent across merchants during a time period. The adjusted index is compared to a cut-off value. The customer is classified based on the comparison of the adjusted index to the cut-off value. In an embodiment, the method also includes re-classifying the customer based on at least one of (i) information about the merchants, or (ii) a number of transactions in a predetermined industry.

US Patent:

20080091508, Apr 17, 2008

Filed:

Sep 29, 2006

Appl. No.:

11/529730

Inventors:

Rajendra Rane - Woodbridge NJ, US
David Juang - Forest Hills NY, US
Eduardo J. Alvarez - West Windsor NJ, US
Iwao Fusillo - Merrick NY, US

Assignee:

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

International Classification:

G07G 1/00

US Classification:

705 10

Abstract:

A method and computer program product for identifying attributes of customers and potential customers, allowing marketing to be directed at such consumers. Information is received regarding each of a number of consumers. This information can include demographic information, data regarding spending habits, and information as to how such attributes may have changed over time. Once attributes have been determined, and any changes over time to such attributes have been determined, a correlation of the attributes is performed. Such combined attributes are denoted as composite dimensions. Given the composite dimensions, as well as attributes that may not have been correlated with any other attributes, consumers are plotted in the resulting multi-dimensional space. Sets of consumers that appear to be grouped in this multi-dimensional space are then identified. Common attributes of this consumer group are identified. Unique attributes of a given consumer in such a group are also identified.

US Patent:

20090012839, Jan 8, 2009

Filed:

Jul 3, 2007

Appl. No.:

11/772947

Inventors:

Iwao Fusillo - Merrick NY, US
Prashant Kalia - Fair Lawn NJ, US
Suby P. Philip - Queens Village NY, US
Danny M. Yelle - Stamford CT, US

Assignee:

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

International Classification:

G06F 17/30

US Classification:

705 10

Abstract:

To determine brand affiliation, a consumer criterion may be identified. A filtered group of one or more consumers may be created in which each consumer in the filtered group is subject to the consumer criterion. A percentage of consumers in the filtered group of consumers having at least one transaction with a brand of interest may then be determined. A percentage of consumers in a control group of consumers having at least one transaction with the brand of interest may also be determined. A ratio comparing the percentage of consumers in the filtered group to the percentage of consumers in the control group may then be calculated. Based on the calculated ratio, the brand affiliation between the consumer criterion and the brand of interest is determined. This affiliation can be leveraged to target marketing materials for one of the brands to consumers of the second brand.

US Patent:

20100131400, May 27, 2010

Filed:

Jan 28, 2010

Appl. No.:

12/695928

Inventors:

Rajendra R. Rane - Woodbridge NJ, US
David Juang - Forest Hills NY, US
Eduardo J. Alvarez - West Windsor NJ, US
Iwao Fusillo - Merrick NY, US

Assignee:

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

International Classification:

G06Q 40/00

US Classification:

705 35

Abstract:

According to embodiments of the present invention there is provided a computer-based method and a computer program product for automatically sorting customers who make purchases from merchants using a credit card. The computer-based method includes the following steps. An adjusted index is calculated for a customer based on an amount of money the customer spent across merchants during a time period. The adjusted index is compared to a cut-off value. The customer is classified based on the comparison of the adjusted index to the cut-off value. In an embodiment, the method also includes re-classifying the customer based on at least one of (i) information about the merchants, or (ii) a number of transactions in a predetermined industry.

US Patent:

20110099202, Apr 28, 2011

Filed:

Oct 23, 2009

Appl. No.:

12/605052

Inventors:

Mehmet E. Dedeoglu - Plainsboro NJ, US
Iwao Fusillo - Merrick NY, US
Eddie J. Alvarez - West Windsor NJ, US
Qaiser S. Shakeel - Piscataway NJ, US
Andrew E. Roth - Scarsdale NY, US
Lewis A. Tierney - New York NY, US

Assignee:

AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. - New York NY

International Classification:

G06F 17/30

US Classification:

707780, 707E17044

Abstract:

A third party facilitates exchange of customer data between first and second entities while maintaining customer privacy. Personally identifiable information (PII) and first entity customer attributes of a first set of customers are received from a first entity. PII for a second set of customers is received from a second entity. First and second set common customers are identified using the PII of the first and the second set of customers. Subsequently, a list of third set of customers is sent to the second entity. The list of third set of customers includes the common customers and a plurality of other customers from the second set of customers. Second entity customer attributes are received for each customer in the list of third set of customers. Further, the first entity customer attributes of the common customers and the second entity customer attributes of the common customers are linked.