Patents by Inventor David Armes
David Armes 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: 20170061435Abstract: Systems and methods are configured to manage data sets associated with multiple transaction devices. The first and second data sets are associated with first and second owners, respectively, and are configured to be stored independent of each other The transaction devices user may be permitted to select at least one of the multiple data sets for transaction completion using a secondary identifier indicia. Where the user selects multiple accounts for transaction completion, the user may be permitted to allocate portions of a transaction to the selected transaction accounts from multiple transaction devices.Type: ApplicationFiled: June 30, 2005Publication date: March 2, 2017Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: David Armes, Fred Bishop, Peter D Saunders
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Patent number: 8788417Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: GrantFiled: December 15, 2011Date of Patent: July 22, 2014Assignee: Plati Networking, LLCInventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Patent number: 8719161Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: GrantFiled: December 15, 2011Date of Patent: May 6, 2014Assignee: Plati Networking, LLCInventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Patent number: 8666855Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: GrantFiled: June 30, 2003Date of Patent: March 4, 2014Assignee: Plati Networking, LLCInventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Patent number: 8577801Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: GrantFiled: December 15, 2011Date of Patent: November 5, 2013Assignee: Plati Networking, LLCInventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Patent number: 8504474Abstract: The present invention provides a system and method for providing and/or facilitating complete on-line payment services while protecting the privacy of the transaction participants. The comprehensive payment service is based upon a consolidated account used to store value acquired through on-line transactions. The invention provides private payment numbers for protecting the identities of the participants and includes processes for authenticating participants, authorizing transactions, and settling payments. Thus, the present invention enables merchants to effectively accept non-standard forms of payment without changing their current payment infrastructures and enables the provision of value for purchases at any network merchant using any source of value.Type: GrantFiled: July 28, 2010Date of Patent: August 6, 2013Assignee: American Express Travel Related Services Company, Inc.Inventors: David Armes, Fred A. Bishop, Lydia C. Breck, Jeff Fehlhaber, Gabriella P. Fitzgerald, Elliott Glazer, Sohail Hussain, Margaret C. Mitchell, Trey Neeman, Leah M. Sweet, Dirk White, Jessica Zoob
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Patent number: 8438109Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: GrantFiled: December 15, 2011Date of Patent: May 7, 2013Assignee: Plati Networking, LLCInventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Patent number: 8417745Abstract: The invention integrates multiple software products and functional components to facilitate file and message delivery, along with managing, tracking and moving bulk data. The packaged system may incorporate user-defined value added services to transported data including, for example, user authentication, access authorization, encryption and compression.Type: GrantFiled: April 27, 2004Date of Patent: April 9, 2013Assignee: American Express Travel Related Services Company, Inc.Inventors: David Armes, Rene Koutia, Diana M. LaFoley
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Patent number: 8413160Abstract: In a packet-based transaction processing system, workload is balanced across multiple computer systems. A plurality of packets is received from a plurality of clients over a plurality of communications sessions. Each of the plurality of packets includes a portion of a transaction involving a financial transaction instrument that requires authorization. The plurality of packets are processed to assemble a plurality of transactions. Each of the plurality of transactions is then transmitted to an application server selected from a plurality of servers that provides authorization for the transactions. The server may be selected from the plurality of servers based on a round-robin distribution of the plurality of servers, and additionally, the round-robin distribution may be modified to account for a workload on each of the plurality of servers.Type: GrantFiled: June 22, 2007Date of Patent: April 2, 2013Assignee: American Express Travel Related Services Company, Inc.Inventors: David Armes, Ian Brown, Eric James Eldridge, Conrad Orlando Menezes, Claudio Valdes, John Ryan
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Patent number: 8271384Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: GrantFiled: November 18, 2011Date of Patent: September 18, 2012Assignee: American Express Travel Related Services Company, Inc.Inventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Publication number: 20120101916Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: ApplicationFiled: December 15, 2011Publication date: April 26, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Publication number: 20120089512Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: ApplicationFiled: December 15, 2011Publication date: April 12, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Publication number: 20120089511Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: ApplicationFiled: December 15, 2011Publication date: April 12, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Publication number: 20120084209Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: ApplicationFiled: December 15, 2011Publication date: April 5, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Publication number: 20120066123Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: ApplicationFiled: November 18, 2011Publication date: March 15, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Patent number: 8090655Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: GrantFiled: February 3, 2011Date of Patent: January 3, 2012Assignee: American Express Travel Related Services Company, Inc.Inventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Publication number: 20110289569Abstract: An Enterprise Identity Management system includes a registration component, an ownership component, and an audit component. The registration component is configured to associate a user ID with specific accounts that are accessible via a computer system. The ownership component is configured to verify the ownership of the accounts. The audit component is configured to perform periodic checks to ensure the validity of the association between the user ID and the ownership of the accounts.Type: ApplicationFiled: August 3, 2011Publication date: November 24, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Michael Richard Barrett, David Armes, Fred Bishop, James Shelby, Elliott Glazer, Philip W. Steitz, Stephen P. Gibbons
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Patent number: 8015205Abstract: An Enterprise Identity Management system includes a registration component, an ownership component, and an audit component. The registration component is configured to associate a user ID with specific accounts that are accessible via a computer system. The ownership component is configured to verify the ownership of the accounts. The audit component is configured to perform periodic checks to ensure the validity of the association between the user ID and the ownership of the accounts.Type: GrantFiled: June 15, 2010Date of Patent: September 6, 2011Assignee: American Express Travel Related Services Company, Inc.Inventors: Michael Richard Barrett, David Armes, Fred Bishop, James Shelby, Elliott Glazer, Phillip W. Steitz, Stephen P. Gibbons
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Patent number: 8010562Abstract: A method and system for facilitating the management of user identities includes an ownership component, a registration component, and a servicing component. When a user first desires to access a system using the present invention, the registration component verifies the user's ownership of the underlying account by asking a variety of questions. Thereafter, when a user desires to service his account, the user may be re-queried to determine if he is attempting to access the correct information. An authentication and access component provides the functionality to access a system of the present invention. An audit component can be configured to periodically monitor the various accounts to ensure a continued linking between users and accounts.Type: GrantFiled: January 25, 2010Date of Patent: August 30, 2011Assignee: American Express Travel Related Services Company, Inc.Inventors: Michael Richard Barrett, David Armes, Fred Bishop, James Shelby, Elliott Glazer, Philip W. Steitz, Stephen P. Gibbons
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Patent number: RE43157Abstract: A method and system for converting a first transaction account device to a second transaction account device wherein a card number associated with, or defined as, a first transaction account (e.g., stored value account) is re-associated with, or re-defined as, a second transaction account (e.g., credit card account).Type: GrantFiled: January 31, 2008Date of Patent: February 7, 2012Assignee: XATRA Fund MX, LLCInventors: Fred Bishop, Trey Neemann, David Armes