Two AI patents, filed before the industry caught up
Imran Baghirov is a hands-on AI practitioner, not only a strategist — he configures and deploys AI-driven personalization, loyalty and risk platforms, and holds two patents at the intersection of AI, identity and financial services.
Patent 1 — AI Clone Agent (Flagship)
"Managing Assets of a User" — EP4604044A1. A machine-learning model trained on a user's transaction history and the motivations behind each transaction, used to predict and act on future financial decisions autonomously. One of the first patents of its kind, conceived in 2023 — before AI agents became an industry theme.
Patent 2 — AI-Driven eKYC for Telecom
"Validation of User Information in a Distributed System" — EP4679346A1. Lets a user access a digital service (such as an eSIM or access credential) through a financial institution, which validates the user's identifying information and returns a result the service provider can act on. Officially published.
Rigor behind the models
- Lean Six Sigma Master Black Belt (Sandholm Associates, Sweden)
- Advanced analytics & business intelligence — 5+ years
- Built the region's first Analytical Competence Building program across 8 countries
AI platforms he runs at Mastercard
Sharing the playbook publicly
TEDx speaker — innovation, technology & career
Radio host — "Texnopolis" weekly tech program
LinkedIn followers, 24,000+ connections
Featured speaker at MMA Global; author at baghirov.com
About the patents
What is Imran Baghirov's AI Clone Agent patent?
Published as EP4604044A1, "Managing Assets of a User," assigned to Mastercard International Inc. It covers a machine-learning model trained on a user's transaction history and motivations, used to predict and act on future financial decisions autonomously — one of the first patents of its kind, conceived before AI agents became a mainstream industry theme. View on Google Patents ↗
What is Imran Baghirov's AI eKYC patent?
Published as EP4679346A1, "Validation of User Information in a Distributed System," assigned to Mastercard International Inc. It covers secure digital identity validation through a financial institution so a service provider can activate a digital credential, such as an eSIM. View on Google Patents ↗
What AI platforms does Imran Baghirov deploy at Mastercard?
He configures and deploys Dynamic Yield for hyper-personalization and SessionM for next-generation loyalty, alongside Test & Learn, Digital Labs and Cyber & Intelligence platforms, and leads data monetization programs across 12 markets.