Sangarsh Nigam is an accomplished inventor based in Jersey City, NJ (US). He has made significant contributions to the field of data analytics and transaction networks. With a total of 4 patents, Nigam's work focuses on improving the efficiency and functionality of financial transactions.

Latest Patents

One of his latest patents is titled "System and method for data analytics." This invention discloses systems and methods aimed at enhancing the operation of a transaction network and its devices. The transaction network host may include various modules and engines that evaluate the probability of a transaction being business or personal. This evaluation helps in establishing the proper usage of differentiated transaction instruments according to their intended purposes. For example, a probable personal transaction may be identified as being associated with a business-oriented transaction card. This allows the transaction network to tailor the handling of the transaction, potentially denying it to deter misuse and ensure proper functionality according to approved parameters.

Another notable patent is "System and method for calculating recommended charge limits." This invention facilitates the compilation of client-imposed charge or credit limit reports based on declined purchase and payment transactions. It provides a system and method for account managers at financial institutions to analyze spending patterns of cardmembers. This analysis helps in determining an optimal client-imposed credit limit, thereby reducing the occurrences of declined transactions and recapturing lost revenues for the card issuer.

Career Highlights

Sangarsh Nigam is currently employed at American Express Travel Related Services Company, Inc. His role involves leveraging his innovative ideas to enhance financial services and improve customer experiences. His contributions have been instrumental in developing systems that address common issues faced by cardmembers.

Collaborations

Some of his notable coworkers include Gordon Emory Anderson and Catherine J Campanaro. Their collaboration has likely contributed to the successful development and implementation of various projects within the company.

Conclusion

Sangarsh Nigam's innovative work in the field of data analytics and transaction networks has led to significant advancements in financial services. His patents reflect a commitment to improving transaction efficiency and customer satisfaction.

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