US Patent Issued to Mastercard International on Dec. 16 for "Data analysis to determine offers made to credit card customers" (Indian Inventors)

ALEXANDRIA, Va., Dec. 16 -- United States Patent no. 12,499,469, issued on Dec. 16, was assigned to Mastercard International Inc. (Purchase, N.Y.).

"Data analysis to determine offers made to credit card customers" was invented by Bhargav Pandillapalli (Gurgaon, India), Yatin Katyal (Rohtak, India), Karamjit Singh (Gurugram, India), Sangam Verma (Gurugram, India) and Tanmoy Bhowmik (Bangalore, India).

According to the abstract* released by the U.S. Patent & Trademark Office: "A computing device for analyzing data from user spending patterns to determine offers to be presented to credit card customers comprises a processing element configured to: receive transaction data for a plurality of transactions for each of a plurality of credit card...