Houman Motaharian

Title: Innovations of Houman Motaharian

Introduction

Houman Motaharian is a notable inventor based in Glen Rock, NJ (US). He holds a total of seven patents, showcasing his contributions to the field of technology and innovation. His work primarily focuses on enhancing transaction processes and financial systems.

Latest Patents

One of his latest patents is titled "Pseudo Authorization Messages." This invention allows a consumer to use a web client to transmit purchase information associated with a transaction to a merchant server. The purchase information is sent via a web acceleration server, which identifies enhanced authorization data related to the transaction. The server then creates a pseudo authorization message and transmits it to a transaction account issuer. The merchant server subsequently sends an authorization request to the issuer, which merges the authorization request and the pseudo authorization message to perform a fraud analysis before transmitting an authorization response back to the merchant.

Another significant patent is "Systems and Methods for Bill Payment with Dynamic Loan Capacity." This system detects an outstanding account of a borrower with an outstanding amount. It displays a loan-request interface activated in response to the outstanding amount being within a dynamically calculated loan capacity. The system receives input via the interface to request a loan based on the outstanding amount, and a request for the loan is transmitted in response to this input.

Career Highlights

Houman Motaharian is currently employed at American Express Travel Related Services Company, Inc. His role at this prominent financial services company allows him to apply his innovative ideas in real-world applications, contributing to advancements in transaction processing and financial technology.

Collaborations

Some of his notable coworkers include Marcel Leyva and Robert Phelan. Their collaboration in various projects has likely contributed to the successful development of innovative solutions in their field.

Conclusion

Houman Motaharian's contributions to technology through his patents reflect his innovative spirit and dedication to improving financial systems. His work continues to influence the way transactions are processed, showcasing the importance of innovation in today's digital economy.