Patents by Inventor Bansi L. Sharma
Bansi L. Sharma has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Publication number: 20090150288Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also enables the allocation of a portion or all of a charge or loyalty points to different transaction accounts issued by different issuers, or to sub-accounts.Type: ApplicationFiled: January 16, 2009Publication date: June 11, 2009Applicant: American Express Travel Related Services CompanyInventors: Fred A. Bishop, Bansi L. Sharma, Tracey R. Thomas
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Publication number: 20090138388Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also enables the allocation of a portion or all of a charge or loyalty points to different transaction accounts issued by different issuers, or to sub-accounts.Type: ApplicationFiled: December 1, 2008Publication date: May 28, 2009Applicant: American Express Travel Related Services Company, Inc.Inventors: Fred A. Bishop, Bansi L. Sharma, Tracey R. Thomas
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Publication number: 20090125426Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also enables the allocation of a portion or all of a charge or loyalty points to different transaction accounts issued by different issuers, or to sub-accounts.Type: ApplicationFiled: January 16, 2009Publication date: May 14, 2009Applicant: American Express Travel Related Services Company, Inc.Inventors: Fred A. Bishop, Bansi L. Sharma, Tracey R. Thomas
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Publication number: 20090083181Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also enables the allocation of a portion or all of a charge or loyalty points to different transaction accounts issued by different issuers, or to sub-accounts.Type: ApplicationFiled: December 1, 2008Publication date: March 26, 2009Applicant: American Express Travel Related Services Company, Inc.Inventors: Fred A. Bishop, Bansi L. Sharma, Tracey R. Thomas
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Publication number: 20090076957Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also enables the allocation of a portion or all of a charge or loyalty points to different transaction accounts issued by different issuers, or to sub-accounts.Type: ApplicationFiled: December 1, 2008Publication date: March 19, 2009Applicant: American Express Travel Related Services Company, Inc.Inventors: Fred A. Bishop, Bansi L. Sharma, Tracey R. Thomas
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Publication number: 20090076956Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also enables the allocation of a portion or all of a charge or loyalty points to different transaction accounts issued by different issuers, or to sub-accounts.Type: ApplicationFiled: December 1, 2008Publication date: March 19, 2009Applicant: American Express Travel Related Services Company, Inc.Inventors: Fred A. Bishop, Bansi L. Sharma, Tracey R. Thomas
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Publication number: 20090076958Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also enables the allocation of a portion or all of a charge or loyalty points to different transaction accounts issued by different issuers, or to sub-accounts.Type: ApplicationFiled: December 1, 2008Publication date: March 19, 2009Applicant: American Express Travel Related Services Company, Inc.Inventors: Fred A. Bishop, Bansi L. Sharma, Tracey R. Thomas
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Publication number: 20090048886Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.Type: ApplicationFiled: September 30, 2008Publication date: February 19, 2009Applicant: American Express Travel Related Services Company, Inc.Inventors: Fred Bishop, Bansi L. Sharma, Tracey R. Thomas
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Publication number: 20090048969Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.Type: ApplicationFiled: September 30, 2008Publication date: February 19, 2009Applicant: American Express Travel Related Services Company, Inc.Inventors: Fred Bishop, Bansi L. Sharma, Tracey R. Thomas
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Publication number: 20090048885Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.Type: ApplicationFiled: September 30, 2008Publication date: February 19, 2009Applicant: American Express Travel Related Services Company, Inc.Inventors: Fred Bishop, Bansi L. Sharma, Tracey R. Thomas
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Publication number: 20090048963Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.Type: ApplicationFiled: September 30, 2008Publication date: February 19, 2009Applicant: American Express Travel Related Services Company, Inc.Inventors: Fred Bishop, Bansi L. Sharma, Tracey R. Thomas
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Publication number: 20090048968Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.Type: ApplicationFiled: September 30, 2008Publication date: February 19, 2009Applicant: American Express Travel Related Services Company, Inc.Inventors: Fred Bishop, Bansi L. Sharma, Tracey R. Thomas
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Publication number: 20090048887Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.Type: ApplicationFiled: September 30, 2008Publication date: February 19, 2009Applicant: American Express Travel Related Services Company, Inc.Inventors: Fred Bishop, Bansi L. Sharma, Tracey R. Thomas
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Publication number: 20090048952Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.Type: ApplicationFiled: September 30, 2008Publication date: February 19, 2009Applicant: American Express Travel Related Services Company, Inc.Inventors: Fred Bishop, Bansi L. Sharma, Tracey R. Thomas
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Publication number: 20090048951Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.Type: ApplicationFiled: September 30, 2008Publication date: February 19, 2009Applicant: American Express Travel Related Services Company, Inc.Inventors: Fred Bishop, Bansi L. Sharma, Tracey R. Thomas
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Publication number: 20090043705Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.Type: ApplicationFiled: September 30, 2008Publication date: February 12, 2009Applicant: American Express Travel Related Services Company, Inc.Inventors: Fred Bishop, Bansi L. Sharma, Tracey R. Thomas