Company Filing History:
Years Active: 2025
Title: Innovator Spotlight: Kshitij Gangwar and His Groundbreaking Patent
Introduction: Kshitij Gangwar, hailing from Bareilly, India, is an accomplished inventor whose work at Mastercard International Incorporated has made a significant impact in the realm of financial technology. With a focus on leveraging artificial intelligence, he has contributed to advanced methodologies that enhance risk assessment for cardholders.
Latest Patents: Kshitij holds a notable patent titled "Methods and Systems for Predicting Account-Level Risk Scores of Cardholders." This innovative invention incorporates AI-driven methods to evaluate account-level risk scores associated with cardholders. The process includes accessing payment transaction data alongside cardholder risk data, analyzing variables from past transactions performed at Point of Interaction (POI) terminals within designated time frames. The patent details how to generate comprehensive cardholder profile data and utilize a trained machine learning model to determine key risk assessments, including wallet reload risk scores, account reissuance risk scores, and transaction channel risk scores. The outcomes of this method enable the transmission of insightful recommendation messages to card issuers, ultimately enhancing decision-making processes regarding cardholder management.
Career Highlights: As an integral part of Mastercard International Incorporated, Kshitij Gangwar has immersed himself in the intersection of finance and technology. His role emphasizes the importance of innovation in the rapidly evolving digital payment landscape. Through his pioneering work, Kshitij is helping to fortify the financial ecosystem against potential risks while contributing to a safer banking environment for consumers.
Collaborations: In his professional journey, Kshitij collaborates with talented individuals such as Bhargav Pandillapalli and Rajesh Kumar Ranjan. Together, they form a dynamic team focused on advancing the understanding of risk assessment in financial transactions and enhancing the tools used for safeguarding cardholders.
Conclusion: Kshitij Gangwar stands out as a remarkable inventor whose patent for predicting account-level risk scores showcases the powerful combination of artificial intelligence and financial technology. His contributions not only strengthen Mastercard International's offerings but also represent a significant stride toward a safer and more efficient banking experience. As the realm of innovations continues to expand, Kshitij's work exemplifies the vital role of inventors in shaping the future of technology and finance.