American Express was granted a patent for an AI-powered upsell engine

{
  "signal_id": "350fb223-afdc-500d-8357-dbd8a4d9383b",
  "signal_type": "patents-company",
  "signal_subtype": "patentGrant",
  "detected_at": "2026-09-23T15:08:23+00:00",
  "company": {
    "name": "S&P Global",
    "domain": "spglobal.com"
  },
  "data": {
    "cpc": [
      {
        "code": "G06Q 30/0238",
        "label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
      }
    ],
    "tags": [
      "Intellectual Property",
      "Research & Development",
      "Artificial Intelligence",
      "Machine Learning",
      "CRM"
    ],
    "detail": "In September 2026 American Express patented personalized offer generation for point-of-sale transactions, matching customers with relevant merchant products and services.",
    "summary": "American Express was granted a patent for an AI-powered upsell engine",
    "event_at": "2026-09-22",
    "inventors": [
      {
        "name": "Alaric M. Eby",
        "status": "resolved",
        "is_primary": true,
        "linkedin_url": "https://www.linkedin.com/in/alariceby"
      },
      {
        "name": "Andras L. Ferenczi",
        "status": "resolved",
        "is_primary": false,
        "linkedin_url": "https://www.linkedin.com/in/andras-l-ferenczi"
      }
    ],
    "tech_area": "business methods / CRM / fintech",
    "event_kind": "grant_date",
    "grant_date": "2026-09-22",
    "source_url": "https://patents.google.com/patent/US12743711",
    "cpc_primary": {
      "code": "G06Q 30/0238",
      "label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
    },
    "patent_title": "Generative artificial intelligence upsell engine",
    "patent_number": "US12743711",
    "uspto_assignee": "American Express Travel Related Services Company, Inc.",
    "patent_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.",
    "precision_class": "structural",
    "invention_explanation": "A system that combines purchase, customer, and inventory information so generative AI can create a tailored offer during checkout.",
    "technologies_mentioned": [
      "generative AI",
      "machine learning",
      "point-of-sale systems",
      "personalized offers"
    ]
  }
}

curl https://signals.autobound.ai/v1/signals/350fb223-afdc-500d-8357-dbd8a4d9383b \
  -H "X-API-KEY: $AUTOBOUND_API_KEY"

curl -X POST https://signals.autobound.ai/v1/companies/enrich \
  -H "X-API-KEY: $AUTOBOUND_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"domain":"spglobal.com","limit":20}'