The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Sep. 22, 2026
Filed:
Nov. 04, 2024
American Express Travel Related Services Company, Inc., New York, NY (US);
Alaric M. Eby, Scottsdale, AZ (US);
Andras L. Ferenczi, Scottsdale, AZ (US);
American Express Travel Related Services Company, Inc., New York, NY (US);
Abstract
Disclosed herein are system, method, and computer program product embodiments for using generative AI to support an upsell engine. A point-of-sale (POS) system may combine transaction data, merchant data, and consumer data into a shared embedding space comprising a numerical matrix. A machine learning model in connection with the POS system may generate an offer based on the shared embedding of the transaction data, consumer data, and merchant inventory data. The offer may be unique to the transaction. The POS system may prevent merchant data from being transmitted to a banking server, and may prevent consumer data from being transmitted to a merchant server. The POS system may output the offer.