Patents by Inventor James H. Marsden

James H. Marsden 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).

  • Patent number: 11392921
    Abstract: A system and method are disclosed herein leveraging financial networks standards with mobile device data and secure processing and storage environment knowledge to authenticate a device. For instance, a party to a transaction may utilize these elements of information, not traditionally associated with wireless transactions, to achieve a lower probability of fraud and/or a higher confidence associated with the transaction.
    Type: Grant
    Filed: July 6, 2020
    Date of Patent: July 19, 2022
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Joanna Colegate, Charlie Craven, Christopher Adrian Kong, Jonathan Lupton, James H. Marsden
  • Publication number: 20200334659
    Abstract: A system and method are disclosed herein leveraging financial networks standards with mobile device data and secure processing and storage environment knowledge to authenticate a device. For instance, a party to a transaction may utilize these elements of information, not traditionally associated with wireless transactions, to achieve a lower probability of fraud and/or a higher confidence associated with the transaction.
    Type: Application
    Filed: July 6, 2020
    Publication date: October 22, 2020
    Inventors: JOANNA COLEGATE, CHARLIE CRAVEN, CHRISTOPHER ADRIAN KONG, JONATHAN LUPTON, JAMES H. MARSDEN
  • Patent number: 10706404
    Abstract: A system and method are disclosed herein leveraging financial networks standards with mobile device data and secure processing and storage environment knowledge to authenticate a device. For instance, a party to a transaction may utilize these elements of information, not traditionally associated with wireless transactions, to achieve a lower probability of fraud and/or a higher confidence associated with the transaction.
    Type: Grant
    Filed: April 12, 2019
    Date of Patent: July 7, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Joanna Colegate, Charlie Craven, Christopher Adrian Kong, Jonathan Lupton, James H. Marsden
  • Publication number: 20190236582
    Abstract: A system and method are disclosed herein leveraging financial networks standards with mobile device data and secure processing and storage environment knowledge to authenticate a device. For instance, a party to a transaction may utilize these elements of information, not traditionally associated with wireless transactions, to achieve a lower probability of fraud and/or a higher confidence associated with the transaction.
    Type: Application
    Filed: April 12, 2019
    Publication date: August 1, 2019
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: JOANNA COLEGATE, CHARLIE CRAVEN, CHRISTOPHER ADRIAN KONG, JONATHAN LUPTON, JAMES H. MARSDEN
  • Patent number: 10304044
    Abstract: A system and method are disclosed herein leveraging financial networks standards with mobile device data and secure processing and storage environment knowledge to authenticate a device. For instance, a party to a transaction may utilize these elements of information, not traditionally associated with wireless transactions, to achieve a lower probability of fraud and/or a higher confidence associated with the transaction.
    Type: Grant
    Filed: June 6, 2017
    Date of Patent: May 28, 2019
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Joanna Colegate, Charlie Craven, Christopher Adrian Kong, Jonathan Lupton, James H. Marsden
  • Patent number: 10019719
    Abstract: A system for authorizing a reward card transaction includes an account server configured to receive an authorization request for a transaction performed using the reward card. The system also is configured to compare the amount of the transaction to an available balance in a bank account linked to the reward card and authorize the transaction based on the comparison. The system further is configured to transmit an authorization for the transaction. A system updating a credit limit on a reward card includes an updating module configured to receive amounts of authorized reward card transactions and amounts of authorized bank account transactions. The system also is configured to update a credit limit on a reward card based on the reward card transaction amounts and/or the bank account transaction amounts.
    Type: Grant
    Filed: November 17, 2009
    Date of Patent: July 10, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Timothy John Roe, Alisa J. Copeman, Wendy MacDonald, James H. Marsden
  • Publication number: 20170270509
    Abstract: A system and method are disclosed herein leveraging financial networks standards with mobile device data and secure processing and storage environment knowledge to authenticate a device. For instance, a party to a transaction may utilize these elements of information, not traditionally associated with wireless transactions, to achieve a lower probability of fraud and/or a higher confidence associated with the transaction.
    Type: Application
    Filed: June 6, 2017
    Publication date: September 21, 2017
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: JOANNA COLEGATE, CHARLIE CRAVEN, CHRISTOPHER ADRIAN KONG, JONATHAN LUPTON, JAMES H. MARSDEN
  • Publication number: 20120221397
    Abstract: A system for authorizing a reward card transaction includes an account server configured to receive an authorization request for a transaction performed using the reward card. The system also is configured to compare the amount of the transaction to an available balance in a bank account linked to the reward card and authorize the transaction based on the comparison. The system further is configured to transmit an authorization for the transaction. A system updating a credit limit on a reward card includes an updating module configured to receive amounts of authorized reward card transactions and amounts of authorized bank account transactions. The system also is configured to update a credit limit on a reward card based on the reward card transaction amounts and/or the bank account transaction amounts.
    Type: Application
    Filed: November 17, 2009
    Publication date: August 30, 2012
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Timothy John Roe, Alisa J. Copeman, Wendy MacDonald, James H. Marsden