Chao M Yuan

This inventor holds 73 USPTO granted patents and 12 published patent applications, primarily in Consumer Behavior Analysis (CPC class G06Q). Top assignee: American Express Travel Related Services Company, Inc.. Active years: 2009-2019.

IDiyas Innovation Intelligence. (2026). Inventor Profile: Chao M Yuan. Retrieved from https://idiyas.com/inventor/chao-m-yuan

Data source: USPTO (United States Patent and Trademark Office) public patent records. Weekly synchronization. How IDiyas builds this profile

USPTO Granted Patents = 73 (Patent Applications = 12)

% Patents Active = 93.2

Average Co-Inventor Count = 5.2

ph-index = 29

Forward Citations = 2,394(Granted Patents)

Forward Citations (Not Self Cited) = 2,280(Dec 10, 2025)

Inventors with similar research interests:

Location History:

Montclair, NJ (US) (2009 - 2019)
New York, NY (US) (2019)

Company Filing History:

73 out of 1,512

American Express Travel Related Services Company, Inc.

patents

Years Active: 2009-2019

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Areas of Expertise:

Transaction Volume

Consumer Spend Capacity

Small Business Identification

Structural Risk Model

Commercial Share of Wallet

Lender Behaviors

Credit Score Development

Investment Rating

Vendor Management

Marketing Company Lists

Financial Databases

73 patents (USPTO):Sort by Forward CitationsExplore Patents

1. 10475057 - System and method for transaction volume determination (2019-11-12),

2. 10360575 - Consumer household spend capacity (2019-07-23),

3. 10152754 - System and method for small business owner identification (2018-12-11),

4. 10019757 - Total structural risk model (2018-07-10),

5. 9898779 - Consumer behaviors at lender level (2018-02-20),

6. 9754271 - Estimating the spend capacity of consumer households (2017-09-05),

7. 8788388 - Using commercial share of wallet to rate business prospects (2014-07-22),

8. 8781933 - Determining commercial share of wallet (2014-07-15),

9. 8775301 - Reducing risks related to check verification (2014-07-08),

10. 8775290 - Using commercial share of wallet to rate investments (2014-07-08),

11. 8762261 - Consumer behaviors at lender level (2014-06-24),

12. 8744944 - Using commercial share of wallet to make lending decisions (2014-06-03),

13. 8694403 - Using commercial share of wallet to rate investments (2014-04-08),

14. 8682770 - Using commercial share of wallet in private equity investments (2014-03-25),

15. 8630929 - Using commercial share of wallet to make lending decisions (2014-01-14),

Title: Chao M Yuan: A Leader in Transaction Network Innovations

Introduction

Chao M Yuan is a prominent inventor based in Montclair, NJ, known for his significant contributions to the field of transaction networks. With an impressive portfolio of 73 patents, Yuan has developed innovative systems and methods that enhance the operation and efficiency of transaction networks and devices.

Latest Patents

Yuan’s latest patents include groundbreaking technologies such as a system and method for transaction volume determination. This invention focuses on improving the operation of a transaction network by tailoring the handling of transactions based on the business size, which allows for optimized handling speed and fees. Additionally, he has developed a method illustrating that a consumer household's spend capacity increases with the number of consumers within the household. By aggregating the financial data from all consumers, Yuan’s technology provides a more accurate estimation of spend capacity, which is crucial for transaction services.

Career Highlights

Chao M Yuan currently works at American Express Travel Related Services Company, Inc., where he applies his expertise to enhance service offerings in the realm of transaction processing. His extensive experience and innovative mindset have allowed him to lead the development of various technologies that streamline financial transactions for businesses and consumers alike.

Collaborations

During his career, Yuan has collaborated with numerous talented individuals, including coworkers Kathleen Haggerty and Benedict O Okoh. These partnerships have fostered a creative environment that facilitates the exchange of ideas and solutions, further driving innovation in transaction networks.

Conclusion

Chao M Yuan’s contributions to the field of transaction network innovations are significant and impactful. With 73 patents to his name and a commitment to advancing technology within the financial sector, Yuan continues to play a crucial role in shaping the future of transaction services, making them more efficient and consumer-friendly.

Profile summary based on public USPTO records.

Data Sources: USPTO Patent Grant XML, Patent Center, EPO & CIPO • Normalized by IDiyas Innovation Graph. Methodology & provenance architecturePlease report any incorrect information to [email protected]

12 patents pending: